BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a + court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before 566 a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written 380 instructions of the consumer to whom it relates. 

XXXX - XXXX Last updated XX/XX/XXXX Balance {$1400.00} Account Details DEROGATORY Account Type Telecommunications/Cellular Credit Type Open Account Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$1400.00} Highest Balance {$1400.00} Original Amount {$1400.00} Term - Remaining Term 0 months Monthly Payment - Hard inquires I would love to have deleted 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 2022-03-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Personal Information Also Known as : XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Late Close : XXXX XXXX XXXXXXXX Balance : {$0.00} ; 10/15-30days Charge off : XXXX XXXX XXXXXXXX XXXX XXXX : {$330.00} New Inquiry : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX, a federally protected consumer and I am submitting this complaint against TransUnion and also for a follow up to my original letter sent to TransUnion dated XX/XX/XXXX, regarding inaccuracies in their credit reporting. Specifically as related to unauthrorized, fraudulent and inaccurate inquiries furnished by TransUnion are, 1. XXXX XXXX, inquiry date XX/XX/XXXX and 2. XXXX XXXX, inquiry date XX/XX/XXXX. Both inquires of which I did not authorize. In response to my original dispute concerning these inaccuracies, TransUnion replied via USPS, stating, " Your written authorization may not be required to constitute permissible purpose ''. ( their response letter is attached labeled, TransUnionIqu. ) Pursuant 15 usc 1681b ( 2 ) states a consumer reporting agency may only report under the following circumstances and none other, " In accordance with the written instructions of the consumer to whom it relates ''. 1st violation. The 2nd violation is Pursuant 15 usc 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In the result of their response, a 2nd Inquiry letter was sent today XX/XX/XXXX to TransUnion. 
My other concern with TransUnion is that I received a letter via USPS ( attached and labeled TransUnionInfo ) stating that my " Proof of address was Unacceptable ''. I called TransUnion to speak with a representative to clarify the issue, and when I inquired about inaccurate addresses being furnished on my consumer report, the TransUnion representative hung up on me. TransUnion requested in their letter that I needed to provide acceptable documents to verify my address to which they mailed me a letter to. Also attached is that requested documentation, labeled Bank statement and also attached is a scan of my state ID. The inaccurate addresses that are being reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX. All of which are not correct addresses and nothing can be delivered to me at any of those inaccurate addresses. Federal law states that everything has to be 100 % accuracy in reporting to consumer reporting. TransUnion 's actions is causing harm to me & my financial reputation.

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 2019-10-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 a loan with COMENITYBANK/VICTORI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and COMENITYBANK/VICTORI with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i had submit all the doc the bank ask by fax and also by certified mail so when i call today to check onthe status of my loan modification i was told they did n't received in time and something was missing so ask many times what was missing they dindt know i have the name and badge of the person i ve talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-03-23
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX my identity was stolen and was use a XXXX XXXX hospital to recieve medical attention and the amount was {$600.00}

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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check for {$71000.00} which was an insurance settlement from a workman 's comp injury. The check has long cleared the bank the funds are in the account the bank is holding the money now but they're not allowing me to use my funds. They've created an extra process that the check writer is not asking and that is what has created ahold up of my money. It has been 14 days now And the check has cleared for a week already the bank is holding my money the check is cleared and they're just still denying releasing my funds I've spoken to management on 3 days in a row and several employees I have some names documented along with times. The problem is with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2019-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USAwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-12
Company: EQUIFAX, INC.
State: NC
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:
I XXXX XXXX XXXX XXXX XXXX the following : In accordance with the Fair Credit Reporting act Convergent Account ( XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.

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 2021-02-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, my CD matured, and because of the low interest rate it was suggested that I deposit the monies in my money market savings account which I did. On that date I was informed the interest rate was XXXX XXXX, that it could change any day. On XX/XX/XXXX, I had another CD mature. In visiting the bank, I learned the money market account new rate was XXXX XXXX and that the rate had changed on XX/XX/XXXX, the day before I was quoted the higher rate. XXXX XXXX, the branch XXXX, was present at the XXXX conversation and was unable to explain why their screen showed an incorrect rate. She agreed to submit an inquiry to the Corporate office. On XX/XX/XXXX, XXXX XXXX called and stated she was told that the money market rate of XXXX XXXX  was correct, nothing can be done and I would be receiving a phone call by XX/XX/XXXX from the Corporate office. On XX/XX/XXXX at XXXX, I received a phone call from XXXX XXXX of the executive office. I asked XXXX XXXX if he had spoken with the branch XXXX. He said no. I asked if the system at the branch was on real time. I needed to ask this question several different ways to finally get an answer of yes. Then if so, how could two people at the branch see a different rate than what was actually in effect? I was not pleased with my conversation in that XXXX XXXX did not seem to understand my complaint and all he wanted to do was confirm that the money market rate was the correct rate being offered by Santander Bank. The entire transaction lacked transparency and credibility.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account 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 non-monetary relief
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: FL
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've recently disputed about this XXXX  credit on all three of my credit reports Experian, XXXX and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and Experian account. The amount owed is {$1100.00} but has not been verified on my XXXX  Experian or XXXX   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 explanation
Consumer complaint received 2019-01-21
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to PA law, " The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. '' The Statute applies to most private student loans ( not government or government-backed loans ) is the four-year Statute of Limitations applies to Private Student Loans.

It has been expired a long time ago but post on my credit report recently.

Also, they have post the wrong information incorrectly and it should be removed the incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received my escrow analysis for a property I own under an LLC, the loan is serviced by Fay Servicing. I noticed that the escrow analysis was using an amount for the Homeowners insurance which was incorrect. It showed an escrow shortage and increase to my monthly payment which was wrong. I called and advised them that the insurance amount was reduced in XX/XX/XXXX to {$940.00} dollars from the initial {$3100.00} amount that I had paid for insurance at closing on XX/XX/XXXX. The associate said they would submit this information and do a re-analysis. On XX/XX/XXXX I received another escrow analysis, this time instead of reducing the insurance amount, they decided to add another insurance disbursement of {$3100.00}, essentially doubling the escrow shortage. I was astonished at the level of incompetence here. Not only should the shortage not have increased, I am owed a refund for an escrow surplus since I reduced the insurance premium and have been making escrow payments based on a higher premium amount. Fay Servicing has made numerous errors on my loans and never seem to address them timely or correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has never responded to the original complaint submitted on XX/XX/XXXX via CFPB website. 

This is my second complaint. This company is in violation of the FDCPA ( Fair Debt Collection Practices Act ). I've asked this company to provide the following via and enclosed " Credit Disclosure Statement '' : *Amount of debt purported to be owed *Date debt was charged off *Was the debt ASSIGNED or PURCHASED from a previous creditor *To state the amount of money paid for the ASSIGNMENT or PURCHASE of said debt I have revoked their power of attorney and I do not give them permission to do business as a third party in my commercial affairs yet they keep committing this FRAUDULENT ACT. 

They continue to be in violation of the FDCPA ( Fair Debt Collection Practices Act ) by not providing their verified proof of claim via the " Credit Disclosure Statement '' They have yet to substantiate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 explanation