BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6, 2 which states I have the right to privacy ( 15 USC 1681 ( section 6, 4a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a late payment on a credit card account under an open end consumer credit as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX  XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : ATTORNEY GENERAL-CHI XXXX XXXX : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
J.P. Morgan Chase has a bank account for a scamming lease-to-own company called XXXX XXXX XXXX ( XXXX XXXX XXXX The owner of XXXX is XXXX XXXX. XXXX XXXX pressed my husband and I for {$5000.00} to complete our lease-purchase on a home. We sent the funds to XXXX via his XXXX Chase business bank account on XXXX XXXX. XXXX never sent the funds to the homeowner. We were completely unaware of this until XX/XX/2023. Upon further research, XXXX completely deleted the business webpage ( XXXX  ) and renamed his business XXXX XXXX XXXX. We reached out to Chases owner regarding the ongoing fraudulent activity, but did not get any response. Upon further review, XXXX XXXX has been sued and arrested for scamming several tens of thousands of dollars from individuals looking to purchase a home, that would not normally qualify a home loan. XXXX had the home listing on major home buying sites and a legitimate webpage. Chase has made not attempt to rectify this situation or retrieve the funds that were scammed out of us. This has been an ongoing issue that XXXX has presented to many people and has used Chase Bank to retrieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX Capital One charged off a credit card that I had with them. They have continued to report it as a charge off even though it was possibly sent to a third party. In XXXX of XXXX I called Capital One to get information on this charge off that they had. I spend about 45 minutes on the phone with the representative trying to get my information. The representative said that she couldn't find my charge off information at all in her system. So I started a dispute with the credit bureau. As of today XXXX XXXX I called Capital One back because I'm trying to get a mortgage and spend an hour and a half on the phone with them and my mortgage lending trying to get something showing my charge off account with them so I could get on a payment plan and yet again they were unable to find anything on my charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving debt collection notice on XX/XX/2018 from Credence Resource Management LLC I determined the debt in collection was not mine. I followed up by sending a letter to the company on XXXX Demanding Credence provide proof that i owe the debt. It is now XXXX and Credence has not provided proof. I spoke with Credence today and was offered lower amount that what the bill states. I explained i never authorized cell phone service with XXXX. XXXX fraudulently used my social security number and mother in law 's name to open an account without my permission. Then proceeded to close the account and have it sent to collections. Credence is unwilling to provide proof that i would owe this debt. I've demanded they remove it from my credit report. Credence has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery XXXX. 
Reporting Opened XXXX. 

Account was charged off By XXXX XXXX  XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting. 

I called Dispute department at Portfolio on recorded line. Told he the issue. 
She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan No. XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In my initial contact with Select Portfolio Service Inc, I request to Select Portfolio Service to validate their claim of debt owed by XXXX XXXX, after countless threatening letters which includes notice of default and right to cure from Select Portfolio Service Inc, they stated " that they were the holder of said promissory note and it was available for my inspection in the State of Utah ''. As a Servicer/Intermediary between XXXX XXXX banking institution and XXXX XXXX, I gave specific instruction on where to redeem said note with allonge attached to the appropriate obligor. I have fully acknowledged said Warranty Deed which is required by law as well. I XXXX XXXX have exhausted all legal and lawful remedies in trying to satisfy my obligation with said mortgage company, and to make matter worse the mortgage value is not reflecting the state property value in any way. 

Thanks you for your attention to this argent matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have costanly told XXXX equifax and XXXX  that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having XXXX  going on because of the breach that happen with equifax my info has been found over 130 times and i dont know how to stop this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Bakalar & Associates, P. A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint with CFPB, complaint no. XXXX on XX/XX/20. Bakalar replied with lies, I did not cancel the appointments, the times they gave me were not acceptable, and I have been asking for documents for two years. The Homeowners Association in association with Bakalar, their attorney and debt collector, is in violation of F.S. 720 for failing to provide documents requested. 

The attorney/debt collector is now charging me {$250.00} to respond to the complaint I filed with you. This is OUTRAGEOUS and I believe illegal. 

I want Bakalar investigated for charging unethical/illegal fees to answer the complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to IC Sytems and after thirty days of elapsed time I wanted to file a complaint., The debt they are trying to collect on is erroneous for I have paid as agreed., and fully satisfied this debt., I sent by certified mail / return receipt attached Hereto requesting Full / Validation of this debt including but not limited to An explanation of what the alleged debt is for / A calculation of the balance, Including the complete payment history of this account so that I have proof that this amount is correct / Documentation that shows I agreed to pay this debt / The agreement that grants them the Authority to collect on this alleged debt / a copy of their license to do business in my state along with their license number.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : PORTFOLIO RECOVERY # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INS on XXXX INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE I UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.OR CERTIFIED ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, METRO2, & ACCOUNTING RECORD,426-CHARACTER P6 STATEMENT,5 PART PERSONAL.DELETE/ BLOCK PERMANENTLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was already settled and made payments towards it. Thai shouldnt be on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon. This is a complaint about trans union!! I have sent 4 faxes to transunion dispute numbers listed. 2 numbers and when I call I get no help Im treated rude hung up on even yelled at!! I have numerous hard credit inquirys on my credit reports transunion is seemingly not willing to help!! I was able to get this process done in 2 hours with other bureaus I am trying desperately trying to submit dispute for hard inquirys with transunion that are fraud!! Please inform company of formal complaint I am making. Today is XXXX XXXX XXXX  XXXX Time I have been attempting online since XXXX XXXX  XXXX time. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation