BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: 2288984 Ontario Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to MoneyKey. I am not familiar with this debt, and I have never taken out a loan from MoneyKey. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. 

Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with MoneyKey. The reported amount and the alleged occurrence date are from the year 2021. However, I have not received any documentation or notice from MoneyKey regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. 

I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue 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 explanation
Consumer complaint received 2019-09-16
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:
Transunion does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. TransUnion is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. TransUnion has items listed on my credit report showing long before I disputed these fraudulent accounts. I need TransUnion to remove the fraudulent items. I am trying to buy a house and new car asap

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 2023-02-03
Company: Experian Information Solutions 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX BANK ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * XXXX XXXX XXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL

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 2019-12-31
Company: EQUIFAX, INC.
State: NY
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 am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in Trans Union the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via Trans Union 35 XXXX 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. Trans Union and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.

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 2023-02-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Before receiving the card, I never received a contract in fact I got 3 contracts over a year after I received the card then they closed the account. Discover closed my account and reflected negatively on my consumer report. After many revocation of reporting request under 15 usc 1692 it states that they can not report to the credit reporting agency without expressed permission. Also under sec e it states A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. since discover is a financial service it ca not be a debt collector yet continues to mislead me. It has stated it closed my account because they can which translates to adversary action and discrimination especially since the account was closed in response to a serious inquiry. This company has cost me employment, careers, car loans, mortgages, and educational services. They have told me you are the little guy so they can get away with anything. They have sent me an adverse action denial letter an entire year after an application was placed in my name without my consent or acknowledgment this again violating my consumer rights and my civil liberties. When does this end?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am on the line with J.P. Morgan Clearing Corp. located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( ph # XXXX ). I have asked them for information related to when my loan entered the XXXX XXXX XXXX Trust and if they are able to locate my loan in the specific pool that XXXX XXXX claims it is in ( pool # XXXX ). In XX/XX/XXXX XXXX XXXX executed an assignment naming EMC Mortgage Corp. as beneficiary. However, EMC Mortgage Corp. claimed they never had interest and never were a beneficiary. Now XXXX XXXX claims that XXXX XXXX is the beneficiary for the XXXX XXXX XXXX Trust. Under XXXX XXXX XXXX Trustee for a trust can not be a beneficiary. After EMCs and XXXX XXXX admittance in court that they were never the beneficiary, XXXX XXXX did another assignment for EMC Mortgage Corp as their attorney in fact, making an assignment to XXXX XXXX as Beneficiary for the XXXX XXXX XXXX Trust. ( EMC Mortgage Corp. has been non existent for years before this new assignment made by XXXX XXXX as attorney in fact for EMC ). I have been given anything and everything but the truth and the entities I am dealing with only know how to re-create and/or fabricate documents to make their story appear legitimate. Through their deceptive doings, I have been railroaded in all directions in dealing with the true party of interest and going to face to face meetings under the foreclosure statutes in my state. Monies I paid into the court registry faithfully were returned to me due to false entities appearing as the beneficiary. I have paid approx. $ 200K direct to XXXX XXXX since XX/XX/XXXX. The majority of those funds paid were after my Chapter XXXX BK in XX/XX/XXXX where I was no longer a legal obligor, as the loan was never re-affirmed. In good faith I paid approx. $ 150K direct to XXXX XXXX after my BK discharge. I want to know what XXXX XXXX did with those payments as they claim they sold the loan on the secondary market in XX/XX/XXXX. I have never had any other statements or notifications from any other entity but XXXX XXXX. My call is coming to an end. XXXX took my call and put me on hold and talked to the higher ups he said and they are not able to find my loan anywhere tied to the trust. That is the answer I just received! Why is this so difficult? Is it because the note and DOT are no longer the security instruments and they have been converted to pass thru certificates earning money on the inside and then the note and mortgage remain on the outside? Something once again just does not add up. It never has. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Im writing to appeal your decision to deny my loan modification application submitted on XX/XX/23, when you claim to have been willing to reverse the decision to cancel and accept payment by XX/XX/23 but failed to communicate this to me in writing. No one told me about this offer when I returned the call from XX/XX/23 and instead was told I had to submit a new application which I did on that very day ( XX/XX/23 ). 

I was just APPROVED 60 days prior for the modification and in those 60 days, I sent in the first payment, which got accepted. I sent in the second payment, it initially got accepted and then returned back to me, for a reason which was not explained. I spoke with PHH and they never told me to resubmit the payment by XX/XX/23. Which I would have done because I already sent in the payment. 

What is going on is not right. Ive been fighting to keep this house and I finally got approved for the loan mod, please reconsider. 

I only found out about your offer to reverse the cancellation after I checked with the complaint I filed with the CFPB. Unfortunately after XX/XX/23. 

Your current reason for denial is now related to XXXX which is inaccurate based on the condition of the house. Due to the condition of the house, this home is not worth {$680000.00}. See the listing of comps ( attached ). Which I believe PHH said that is {$14000.00} over what the loan mod would be approved, which is wrong because I was just approved 60 days ago. 

This home has been in my family for 49 years and represents XXXX generational wealth and I would very much like to keep it in the family. 

I appreciate your reconsideration of the reversal of the current denial especially in light of the situation that caused it on your end. 

Respectfully, 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 2022-12-15
Company: Early Warning Services, LLC
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:
RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that { XXXX  XXXX XXXX acct # { XXXX } dated XX/XX/2020 has listed negative information on my file i have no knowledge of these accounts please remove asap thanks, ( XXXX  XXXX XXXX acct # XXXX XX/XX/2020 ( XXXX XXXX  acct # XXXX ) XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX  acct # XXXX } XXXX XXXX XXXX account # XXXX } i don't have no knowledge, of these accounts I am therefore writing to request full REMOVAL of this information as is my right underneath the Fair Credit Reporting Act. 

I request that these { negative listings } be permanently removed from my report. 

For your records, my contact information is as follows : { XXXX XXXX } - { XXXX XXXX XXXX XXXX # XXXX } { XXXX fl XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have tried to open a regular bank account with chase bank 2 times and got denied, only can open a CHASE LIQUID which is a debit card account. I have nothing in XXXX I got a report from the company that showed nothing. And when I opened a account with them they told me after 6 months they let me have a regular account. Problem is when credit people check your Bank account they say no to you because it not a regular account., There is no reason they should n't let me open a checking account. I been there over a year now. And I receive a regular deposit every month from my XXXX. So they have been unfair with this matter to open a regular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws , and nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
the bank is showing my date of last payment XXXX and that is not true my date of last payment XX/XX/2016, The balance is also reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Churchill Holdings, Inc.
State: SC
Product: Credit reporting 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:
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 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 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 instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A public record is reported Discharged  XXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?

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 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue 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 explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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