BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: FL
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 contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors JPMCB Business Bank ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom it XXXX concern, RE : XXXX XXXX Pursuant to XXXX XXXX Code XXXX ( XXXX ) ( B ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 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 2023-05-18
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:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

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 2021-07-10
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I submitted an international wire transfer to a school in XXXX to pay my son 's tuition. On XX/XX/XXXX, I asked for a recall of the wire transfer. Basically, my payment was no longer needed. Last week, on XX/XX/XXXX, Citi received the funds from the XXXX correspondent bank, but Citi has failed to redeposit these funds into my account for the past 2 weeks. I have not been given any explanation for this delay. 


The Case number is 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and caused me undue stress and defamed my character 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, 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 2022-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to EQUIFAX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED : XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When my XXXX and I visited XXXX XXXX in XXXX, PA, we did the tour, he took all the tests, we submitted all the applications for tuition assistance, etc. We were told before we left that day that he qualified for FULL TUITION scholarship. We were also told that he would be given a job while he was attending school so he would have money for living expenses. We WERE TOLD that they had food vouchers for the students- which turned out to be a complete lie. The " job '' they gave him was to sit by a phone and wait for it to ring. He has high XXXX and needs to keep active. They knew I lived XXXX hours from campus, was a single parent barely holding it together financially. An incident occurred at the dorm where a student was XXXX and vandalized a fire extinguisher which in turn summoned the fire department. My XXXX  was trying to stop the drunk student and got blamed for the incident and evicted from the dorm. This was XXXX MONTH prior to graduation. He was permitted to continue classes, but had nowhere to live in the meantime. I was told I could appeal the eviction, which I did- but was told it was too late. They didn't fax me the proper paperwork timely and I faxed back the required information within minutes after I received it. XXXX months later I get a bill from XXXX XXXX that I OWE THEM over {$25000.00}! I have told this story probably XXXX times to different organizations and NOT XXXX person has done anything about it. It's been XXXX years now and I am still struggling to pay the loans that WE WOULD NEVER have agreed to in the first place. The school is closed now and my son has a " Certificate '' and does not work in his field of study. He's a maintenance person for the most part and has learned some other on-the-job skills that are worth more than a certificate from a dishonest school. The person we spoke to the day we toured and registered has NEVER EVER returned my call. I know this is years ago, but every single time I see how much money I owe for something that we were scammed out of, it makes me really, really, really mad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Hillcrest Davidson & Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted XXXX  ( creator of bill ) sent to XXXX XXXX XXXX  ( billing for XXXX  ) sent to Hillcrest Davidson ( collationer for XXXX  ). I have been told that the {$1500.00} bill they are trying to collect was for installation. We had XXXX in XXXX, Va.-sold and moved to -- .XXXX  , VA. temporally while home built -- -moved to new home. We had XXXX  in every location. We contacted XXXX as too what we might owe and they said nothing. XXXX sent billing history Which showed nothing. Several DAYS after moving in, we received a letter from a collection agency ( Hillcrest Davidson ) that we owe {$1500.00} they sent us to XXXX XXXX XXXX  ( which referred me to XXXX ) We already had a billing statement from them. I have been bounced around without satification. My wife paid a reduced amount of {$1000.00} to protect our credit. We were never notified that we owe a bill nor did we know how much and what for. We have a bill that we owed this, should they have notified me that it was owed and how much without any prior notification of debt? PLEASE HELP. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - first part missing -- - I had XXXX  in my home in XXXX, VAA -- sold moved to XXXX, Va. ( a rental ) -- - moved into new home in XXXX, Va. We called to see if we owed them anything, they sent payment history showing nothing owed. Days after moving we received a bill from a collection agency ( Hillcrest Davidson ) stating we owe {$1500.00}. My wife called and said we owe no such bill. She was scared of damaging our credit that she negotiated a lower price XXXX {$1000.00} which we did not owe. We started with XXXX who sent us to Safe streets Bank ( XXXX biller ) sent to XXXX XXXX XXXX  to Hillcrest Davidson sent to Safe streets bank sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # 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 2022-10-14
Company: PLANET HOME LENDING, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing on behalf of my client, the current homeowner of XXXX XXXX XXXX, XXXX, MA. My client is currently facing an improper foreclosure based on a " zombie '' second mortgage serviced by Planet Home Lending , LLC. He had not heard about this mortgage since he modified his first mortgage in XXXX through HAMP, and had been told then that the second lien was discharged. However, in XX/XX/XXXX, he began receiving statements and letters stating he owed more than $ XXXX, made up of ~ $ XXXX in principal and almost ~ $ XXXX in accrued interest. Because he had not received any correspondence regarding the second mortgage in 5 years and the amount claimed to be owed was significantly higher than the original principal balance on the loan, he believed that he was being scammed. It was not until the foreclosure auction was scheduled that the homeowner reached out to legal counsel, who was able to assist in postponing the auction. Since the postponement of the auction, counsel for the homeowner has brought several errors of Planet Home Lending to their attention. Please see enclosed XXXX demand letter. Planet Home Lending 's counsel has responded, denying the homeowners claims and refusing to accept the homeowner 's settlement offer ( $ XXXX in total for complete discharge of loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my third complaint against Commonwealth. Their response to the most recent complaint about this alleged debt is not satisfactory for me. They have not proven solid validation of this alleged debt. I told you guys this alleged debt was reporting with XXXX XXXXXXXX XXXX XXXX  back in XX/XX/XXXX along with reporting as a debt for Commonwealth on my credit report. You claimed that your client XXXX XXXX  verified that you were the only company with this alleged debt. However, I reached out to XXXX XXXX in XXXX, and they responded with written notification to remove the debt from the bureau because it was actually reassigned to XXXX XXXX which is their " sister company ''. XXXX XXXX is a " XXXX XXXX XXXX XXXX '. XXXX XXXX is not a " CREDITOR ''! And has not ever been in any type of business with me. According to title 15 USC 1692a ( 4 ) The term " CREDITOR '' means any person who offers or extends credit creating a debt or to whom the debt is owed, but such terms DOES NOT INCLUDE ANY PERSON TO THE EXTENT THAT HE RECEIVES AN ASSIGNMENT OR " TRANSFER '' OF A DEBT IN DEFAULT SOLELY FOR THE PURPOSE OF FACILITATING COLLECTION OF A DEBT! XXXX XXXX bought this alleged debt from XXXXXXXX XXXX XXXXXXXX XXXX who was the XXXX XXXX Agency who bought this alleged debt from THE TRUE ORIGINAL CREDITOR " XXXX XXXX XXXX XXXX ''. The original account number for XXXX was XXXX. Then when XXXX XXXX  XXXX obtained it the account number for them was XXXX. And now the account number with Commonwealth and XXXX XXXX through XXXX XXXX is XXXX. This alleged debt has been floating around from one collections agency or debt buying agency to the next since XXXX! I asked for the ORIGINAL contract and bill for services rendered from the Original Creditor. And what I received from Commonwealth was fraudulent documentation from XXXX XXXX as the current creditor when it should say current " debt buyer '' or " collection agency ''. Commonwealth stated and I quote " We obtained Verification of this Debt ''. They claimed to have met the standard of verification of the debt and that they are in full compliance with the FDCPA and the FCRA. Commonwealth claimed they sent me an itemized billing statement but what I received was XXXX printed up by XXXX XXXX. This bill is not from the original creditor. This alleged debt has not been Validated. In the attempt to collect this alleged debt Commonwealth has violated my consumer rights and is in violation of the FDCPA. You will find an invoice of every violation committed by Commonwealth per FDCPA. pay for I want this alleged debt to be removed immediately off all my reports and it should not be sold or transferred to another collection agency. And please make check payable to XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a dispute for an inaccurate entry on my credit report. I asked for a complete copy of my report from Transunion once they finished their investigation and subsequent removal of the erroneous information from my report. I did get a letter back saying they removed the inaccurate entry, but never received the correct copy of my report via US Mail. I called to ask about the report and was told I would have to sign up for credit monitoring service to get a copy of my report. The federal law indicated that the credit reporting agency must provide a copy of the 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-02-08
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill for {$32.00} dated XXXX XX/XX/XXXX with account number XXXX it seems that the company is from XXXX with account number XXXX the question I ask is why is this bill coming to me now in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see attached documents that contains all XXXX account in the PDF. 

I received a 1099-C ( cancellation of debt ) notice for the following account : Amazon.com Store Card Account Number Ending in XXXX JCPenney Credit Card Account Number Ending in XXXX Sam 's Club Personal Credit Account Number Ending in XXXX These accounts were charged off as of XX/XX/XXXX. I reported these accounts under a 1099-C on my XX/XX/XXXXTax Returns as Paid in Full. 

I sent a copy of all documentation to the credit bureaus to update the accountsas paid in full. By me sending the form 1099-C they negatively impacted my credit score 80 points and restarted collection efforts on an attempt to collect a debt on these three old credit card accounts that were charged off in XX/XX/XXXX" NOT XX/XX/XXXX'' The information was sent to have it remove the balance to zero from all credit reports not to restart collection attempts.

Synchrony Bank is reporting to the Credit Burues that I still owe the debt in full!! 

I have attached documentation that SHOWS SYNCHRONY BANK ATTEMPTING TO COLLECT A DEBT that is not owed!! 

I want these accounts to be removed from all 3 credit reports ASAP and to reflect the balance as XXXX balance. 

I will be contacting my States Attorney General to look into this matter and will be filling a lawsuit against you for collecting on debt not owed to you. 

I have reached out to you several times via email and have left several messages via phone. 

Till this day I have yet to receive a phone from YOU. 

I can be reached at 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