BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like the National Consumer Telecom & Utilities Exchange ( NCTUE ) investigated. I am unable to get in contact with them. Perhaps they are a shell company set up for some illegal tax scams??? My efforts to contact them are useless! 

In an effort to help prevent identity theft, my wife and I tried to get various credit reports frozen. We contacted NCTUE to freeze our NCTUE credit reports that they have on file for us. We expected them to respond with a PIN # to unfreeze our credit reports if ever needed. Our efforts to get any kind of communication from this company failed again and again. Perhaps they are criminals hiding something. Perhaps they are super incompetent in performing their basic clerical jobs. I dont want to be narrow minded and think out of the box a little ; perhaps they both incompetent and criminals. 

On or around XX/XX/2019, I tried freezing our credit report by using their website ( https : //www.exchangeservicecenter.com/freeze ). Their website for accomplishing a freeze DID NOT WORK. 

On or around XX/XX/2019, I tried freezing our credit report by using their telephone number ( XXXX ). This telephone number to freeze things DOES NOT WORK. 

On XX/XX/2019, I sent to them two letters via certified mail requesting a freeze of our credit reports. According to my local U.S. Post Office, at least one letter ( probably both letters ) was delivered to them on XX/XX/XXXX at XXXX XXXX. The two separate certified mail letters ( one for me, one for my wife ) provided our names, our signatures, address, date of births, social security numbers, home telephone number, e-mail addresses and a copy of a recent utility bill. In the letters I warned them that their website and telephone number to freeze a persons account were not working properly. I told them using the U.S. mail system may finally be the only way to contact them. They have NOT responded as of XX/XX/2019. 

I dont believe in an eye-for-an-eye. If someone takes my eye out, Im probably going to take their head off, just to make the world a little better place. Maybe the NCTUE has lost our personal information, and that information is now available to identity thieves. Of course, I could always travel directly to the NCTUE headquarters in XXXX, Georgia and let my physical presence make it very clear what needs to be done. They better think about it, smarten up, and start responding to consumers. Duh! Whoever you are at the NCTUE, wake the XXXX up!!!! Youre welcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2020-09-29
Company: SFMC L.P.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been asking for an escrow refund since XX/XX/XXXX. Here are the details : Service First Mortgage issued an Escrow Refund in the amount of {$2900.00} issued on XX/XX/XXXX to XXXX XXXX XXXX, on property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. My Father, XXXX XXXX XXXX was the sole borrower on the Service First mortgage loan, however I, XXXX XXXX was an authorized user on this account, as well as being named co-owner of the Deed of Trust since XXXX. I currently and legally retain 100 % sole ownership in the property. 

I cared for my Father in our home together at XXXX XXXX XXXX XXXX, until he passed away on XX/XX/XXXX. I continued with the mortgage payments until I was financially able to pursue the legal process to have my Father removed from the Deed, and have the property refinanced in my name. Service First was paid in full for this mortgage on XX/XX/XXXX, as a result of being refinanced in my name. 

I spoke with the service representatives MULTIPLE times and provided them every single document they could possible need including the following items ; DEATH CERTIFICATE ORIGINAL WARRANTY DEED HEIRSHIP AFFIDAVITS NEW TITLE COMMITMENT SERVICE FIRST PAYOFF STATEMENT FINAL CLOSING STATEMENT PERSONAL IDENTIFICATION They have failed to issue me the refund for escrow overage and it has been a year since this loan was paid in full. I refinanced the home in my name. Please help me get the funds I am due. thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
after reviewing my credit report, i have found numerous inaccurate names, aliases, and address do not belong to me. I want to ensure that you are onlynretaing and reporting true, current, and accurate information on my credit report per FCRA regulation and i demand, as my lawful right, for names and addresses that i have listed below must be removed immediately as they are not accurate and untrue.

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 2022-11-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was originally with XXXX XXXX and was closed as a stolen card due to an identity thief. So I don't understand how a debt that was fraud fell into a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2022-08-18
Company: Capio Partners, LLC
State: PA
Product: Credit reporting, credit repair services, 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 a fair credit reporting act [ ASSETCARE # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2018-10-10
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This writer had an account with XXXX XXXX XXXX in XX/XX/XXXX and canceled said account within the time line stated in our agreement with XXXX XXXX XXXX. XXXX XXXX XXXX saw their error and corrected said error. The case number with XXXX XXXX XXXX is XXXX. ( See attached email document from XXXX XXXX XXXX ) However, before the correction was done XXXX XXXX XXXX forwarded the account to Sunrise Credit Service ( XXXX    ) a collection company. XXXX   was informed by XXXX XXXX XXXX via email that this account was not owed by this writer and was sent in error to XXXX. 

This writer phoned XXXX   on XX/XX/XXXX to have them remove this collection account from all my credit reports ASAP. XXXX  refuses to discuss said account with me since they no longer  have the account, and refused to purge said collection account from all my credit reports, even though XXXX  was instructed to purge said collection account from this writer 's credit reports ASAP by 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 explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, 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 XXXX, my discovery revealed Experian, XXXX XXXX, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security 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 2022-08-18
Company: EQUIFAX, INC.
State: GA
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX reported to Experian, XXXX, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : Experian : A balance of {$22000.00}, past due of {$22000.00}, and 18 months of CO 's interpreted as 18 late payments. 

XXXX : A balance of {$22000.00}, past due of {$22000.00}, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with Experian, XXXX, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.

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 2021-04-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An old friend texted me on the app XXXX  asking me if I wanted money which I said yes. She said she was selling her Bitcoin and that all I had to do was send her 50 $ to help her convert it. Weve been friends for 3 years so I trusted her and went along with it and sent the money, but then she sent me another text saying it didnt go through so I sent it again thinking she would send the extra 50 back but instead she blocked me. I later found out that her account had actually been hacked and that it wasnt her texting but another person by the name XXXX XXXX XXXX, her XXXX address is XXXX and her phone number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-19
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, my sister sent me funds via transfer from XXXX XXXX They were sent to my PayPal account which is linked to my XXXX. Upon logging into my PayPal account, choosing instant transfer to my linked bank account, I received an error stating that it could not be processed at this time - try again later. In choosing other transfer options- was informed with the same error message. I have been trying to receive/transfer the funds for over two weeks now, reached out to PayPal support only to be told that there is a security concern, they dont know what it is, and that I should wait 48 hours - yet, GREAT NEWS, everything on my account is fine! Upon expressing to the representative that I have been trying to do this for two weeks, receiving the same error, I was told, again, that I could either wait 48 hours or try to send the money to someone else such as a friend. I was sent the funds to pay for personal expenses, such as gas and food. Due to the inability to receive those funds, I have been unable to utilize the money sent. I requested to speak with a supervisor, who informed me of the same options. They have no way of releasing MY funds to me.. and they are unsure if waiting the 48 hours will offer the release of those funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { 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