BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and XXXX Disputed Item XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and TRANSUNION Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from one source, especially creditors is not accurate. 

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the Department of Personnel 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 2022-08-17
Company: Experian Information Solutions Inc.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, Experian is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Aim submitting this complaint to you today to request that they provide me copies of documents bearing signature to verify the status of the disputed accounts. If Experian failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Late Date XX/XX/20

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 2023-10-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX  XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}

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 explanation
Consumer complaint received 2018-04-27
Company: Flagstar Bank, N.A.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to Fla. Statute- 673.3081- A defendant may denied in specific the authenticity of any document presented as the original promissory note and any possible signatures contained in the complaint. 

On XX/XX/XXXX, we submitted a written request under section 6 of the Real Estate Settlement Procedures Act. On XX/XX/XXXX, we received a response from XXXX XXXX on behalf of Flagstar Bank, however XXXX XXXX failed to respond to the questions that was asked and instead claims that it is unclear from our correspondence what we are requesting or disputing. The written request is very clear and to the point. The note reveals an endorsement by XXXX XXXX XXXX senior vice president, flagstar Bank. XXXX XXXX provided a copy of the note reflecting the same endorsement naming XXXX XXXX XXXX therefore he knows too well what we are asking and is refusing to respond. We ask, if XXXX XXXX XXXX was ever employed by Flagstar, we also ask if XXXX XXXX XXXX holds the office of Vice Presidient of Flagstar, we ask when XXXX XXXX XXXX employment started with Flagstar and when it end. Pursuant to the Florida Statute, a debtor has ever right to question the authenticity of any signatures on the note. The record reveals that XXXX XXXX has knowledge of the questions being ask because he himself provided a copy of the note reflecting the name of XXXX XXXX XXXX. Therefore if he already provided this information it does not make any sense that he would not answer to the questions when he clearly knows too well that the question is very clear and he knows the subject matter. By providing a copy of the note reflecting the name of XXXX XXXX XXXX, XXXX XXXX has placed himself in a contradictory position claiming he knows nothing or that does not understand the question, XXXX XXXX has provided a poor excuse that not even him believes. In the Court of Appeals State of Arizona, in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee ; Flagstar. The summary judgment was reverse by the appellate court in specific due to a False recording claim surrounding the endorsement of XXXX XXXX XXXX. The appellate court agreed with the defendant that the endorsement of XXXX XXXX XXXX was false and that there was no proof she was an actual employee of Flagstar. We have enough information to be believe that the endorsement placed on the note by XXXX XXXX XXXX is false and we demand that flagtar bank respond to the written request under RESPA 6 of the Real Estate Procedures Act. The CFPB has jurisdiction over the matter and we ask that you act according to the law. Pursuant to the Fla. Statute and RESPA we have every right to demand an answer and therefore we ask the CFPB to enforce every statute mention in this complaint.

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 2018-03-19
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was approved for the income based repayment plan XX/XX/XXXX. Great Lakes continued to bill me at a standard repayment rate. I called each time to tell them it was wrong which they ignored. They eventually told me I had to reapply to the income based repayment. I did what they said and was approved, again, XX/XX/XXXX. However, they continued to charge my accounts interest from XX/XX/XXXX through the present even though they continued to have my payments wrong preventing me from making a payment without the risk of accepting what they were doing. On XX/XX/XXXX, I spoke to Great Lakes again, and they deny that I was accepted and refuse to correct the interest they charged me which is now over {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 2023-09-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX Amex ... ..Delta skymiles XXXX XXXX I was a regular AMEX XXXX customer for several years paying my accounts monthly on time. I received a note saying my card was going be non renewed or canceled because I disputed several small charges which were within my rights regarding XXXX  cancellation charges for {$5.00} or less which XXXX reversed with no problem. Despite this, apparently because it was not profitable to Amex they canceled my card. This is outrageous abusive conduct. They added on needless charges to spite me. Incredibly enough, a senior regional manager from their Florida center said they were dumbfounded why the card was cancelled as I was an excellent customer. This appeared to be a power play by some lower-level individual. Even worse, they submitted an adverse credit report regarding me to the credit bureaus adversely affecting my credit scores. The only way to deal with such abusive conduct is to investigate and severely discipline them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX  XX/XX/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 2023-04-11
Company: EQUIFAX, INC.
State: NJ
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:
My name is 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 idea 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. Please delete the accounts : XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX - XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX XXXX XXXX : {$860.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called in XXXX to make payments to my 2 Barclays credit cards, I didnt have access to my accounts and spoke with a customer service member. He confirmed that payments would be made to both accounts, in which I asked twice because I had a hard time understanding him. 
I then received notice I was 30 days late, I called and was told it would be corrected and any fees would be reversed. The fees were reversed but late payment was never corrected. Ive called over a dozen times and told it will be done. Today, I called twice and after being on hold, its disconnected.

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 2022-03-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a XXXX XXXX in my teeth. Went to dentist. They hit me with a huge amount. They applied me with a COMMENITY BANK LINE OF CREDIT to pay for my work I needed done. I never got a reminder through the mail that the 'interest fee ' period was ENDING. I had called at the end of XXXX, after getting my new bill to find out that the {$3500.00} bill I had whittled down to {$1100.00} was now over {$2200.00}!!! They added {$1000.00} to my bill!! I called and tried to talk to them to eliminate that interest. I had plans to pay it in full the next cycle!!! THEY WERE RUDE BEYOND BELIEF AND SAID THEY WOULD NOT REDUCE THE INTEREST! I even explained to them even a CAR when you do a 10 day payoff has reduced interest. I had just recovered from XXXX ALONG WITH MY SON WHO ALMOST DIED! I LOST MY JOB! Now High gas prices ... ... ... THEY REFUSED TO WORK WITH ME. ALL I WANT IS THE {$1000.00} ELIMINATED so I can pay my original balance in full which is the {$1100.00}. PLEASE PLEASE PLEASE HELP ME! 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: RoundPoint Mortgage Servicing LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Round Point Mortgage. I have had this loan since XXXX XXXX. 

I am paid semi-monthly and send 1/2 a payment on the XXXX and the XXXX of every month. I am 1/2 payment ahead so that the half received on the XXXX is my total mortgage due. 

Round Point does not offer a semi-monthly payment option. They only offer a bi-weekly auto payment for a fee. My payment comes in as " Do not apply to Principal '' however, they keep applying one of my payments to the principal and then marking me " late '' to charge a {$57.00} late fee. 

I have to call every month to have this fixed. This time, they stated they couldn't remove the late fee because they had done that many times previously. I reminded them that THEY misapplied my payment and I was not late. First half received XX/XX/XXXX and 2nd half received XXXX. Therefore, they MUST remove the late fee. 

They processed my payments perfectly for the first 4 1/5 years, but in the last 18 months, this happens every month. 

I feel this is fraudulent and may be " on purpose '' so they can charge late fees. My payment is marked appropriately and on time. If their system " can't handle '' receipt of my payments, that should not impact me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Client Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I kept getting phone calls from Client Services Inc twice a day once in the morning and once in the evening. When I answered the call no one picked up and I hung up. This went on for months. 

Company address is : Client Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Spoke with : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

All completely useless and offered no information other than " they are sorry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My information was compromised due to the XXXX data breach. I have attached all information needed for the credit reporting agencies to BLOCK the fraudulent accounts immediately!

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 2020-03-18
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX XXXX has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called Lexis Nexis which is very inaccurate. 

Letter to LexisNexis ( Please accept this formal letter as my second request to investigate & remove derogatory account from my consumer report. I have found it has errors. It has come to my attention that you are reporting inaccurate data which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 USC 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ) 15 USC & 1681 et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer files. The FCRA states that its the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate & free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumers reports, as defined in 15 USC $ $ 1681a ( d ), to third parties. 

New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. 
cc ; New Jersey Attorney General

Company response to consumer: Closed with explanation