BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX checks where deposit to an ATM on Chase bank on XXXX XXXX XXXX Tx XXXX. ATM displayed an error message which was also on receipt. After submitting a report Chase bank offered a temporary credit for amount of checks. After the " investigation '' they did not find anything. I have been going to this bank to find a solution and they claimed that the checks where not Found nor checked. I spoked to my employer and he tracked the checks on his end and gave me proof that at least one was cashed. I need to know what was done to my money that they took away.When I asked them to please review the cameras I was told that I had to submit a police report, when I told them I was going to call the police they called the manager and he said he was going to help me out within 24 hrs this was on XX/XX/22 up to now we have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information. 

I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name. 

I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim. 

I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party. 

Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CL Holdings LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} Jefferson Capital Syatem {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Following was sent to the credit card company, the CHASE Credit Card for South West Rapid Rewards on XX/XX/2022 with Certified Mail to the address shown on the 2nd page of the monthly bill where it says " What to do If You Think You Find A Mistake On Your Statement '', since then they have not replied at all. 

This is to inform you that there is an error in the billing statement dated XX/XX/2022 on my South West Rapid Rewards Credit Card due on XX/XX/2022 which I am disputing. It should be resolved immediately upon receipt of this dispute letter. 

I have made two on line purchases with a PO number XXXX from XXXX XXXX XXXX on XX/XX/2022 which is shown on the attached XXXX XXXX XXXX XXXX. It clearly shows on this document I was charged in the amount of {$920.00} which included the sales tax for the two items. Cost of each item before sales tax was {$390.00} and {$440.00} each. After adding the sales tax cost of the purchase was {$430.00} and {$490.00} for each item yielding to the total purchase amount of {$920.00}. 

Shortly after receipt of these on line items I have returned one of the items back to XXXX XXXX in person as shown on the VISA Statement in the amount of - {$430.00}. However, this amount for the returned item has not been deducted from the total balance due. Both purchase and returned items fall within the same statement period. Therefore, there is a serious error in the statement that I have received, dated due date of XX/XX/2022, this statement did not apply the returned item of - {$430.00} as credit. Yes, it shows it has been returned as - {$430.00} in the statement but it has not been applied as credit against the total purchase amount of {$920.00} and hasnt been deducted from {$920.00}. Total balance on this statement should have been {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NM
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am two months behind on my capital one credit card. They sent me an email that I could bring my account current by paying {$110.00} by XX/XX/19. In the meantime I have been harassed by an excessive amount of phone calls to collect the balance, including multiple calls in one day and calls on Sunday : XXXX XXXX - XX/XX/19 XXXX XXXX   XXXX - XX/XX/19 XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX  There is a fee for request of phone records. Will request if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
During the XXXX years I've received countless emails and letters " Cash out Alert : Home Equity Available '' " Estimated cash available $ XXXX! from Freedom Mortgage. Therefore I requested via letter XX/XX/2023 that the PMI monthly insurance payment {$34.00} be removed. My request was denied. The company states FHA loans are " not eligible for MIP cancellation. '' This is unfair to the consumer. We have paid on time for the life of the loan and had significant roofing expenses {$9700.00} in the past year. Our current mortgage balance is ~ $ XXXX, Freedom 's marketing alerts claim " Estimated Home Value is {$240000.00} '' The facts are clear that it is unethical to continue charging PMI on this property and mortgage. The marketing to get people further hooked into debt on " easy Cash '' ploys is despicable as well.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
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 presented to Experian a dispute that will be attached to this complaint. Experian sent me a letter asking me to identify myself and present to them a copy of identify theft report that was filed with the Federal Trade Commission, who is a federal law enforcement agency. I am submitting my identifiable information with this complaint as requested by Experian. I asked Experian to provide on numerous occasions asking you to validate the validity of the accounts that are reporting on my consumer report. After each contact, your company has noted these accounts have been verified and updated on my consumer report. Your company has refused and or failed to provide me with your investigation process. By law, you are required to investigate anything that is furnished on my credit report. I have requested for the method ( s ) of verification of the investigative accounts and how did the company come to the conclusion that these accounts are accurate? Congress found in the congressional findings that you are using an elaborate mechanism to determine my credit worthiness that is unfair and undermines my due diligence to extend my credit. After further research, CFPB released an article in detail that proves this company has not properly handled consumers disputes because proper investigations were not conducted extensively. With Experians misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to this information being furnished and this infringes upon my right to privacy as a federally protected consumer. I am demanding this information be taking into consideration and these alleged accounts will be deleted from my consumer credit profile that you continuously updates. I will escalate this and hold Experian personal liable for their deception. Experian is ruining my reputation as in direct violation FCRA 15 USC 1681

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my credit reports and realized a 30-day late payment was placed on their XX/XX/2022. I reached out to the creditor and credit bureaus about deleting this negative mark on my credit reports. They both only responded that the mark was accurately reported in which is was not. This has caused my XXXXredit score to drop XXXX points. 

The following account/late payment should not be reported late without my written instructions or consent. The credit bureaus are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) THE LAW CLEARLY STATES : A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

This means the late payment should be deleted from my credit reports.

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 2023-01-19
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:
After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( Transunion, XXXX, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC 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 2022-11-02
Company: Experian Information Solutions Inc.
State: NC
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and TransUnion are reporting unauthorized inquiries that I never authorized and I have previously disputed the inquiries in written and called XXXX on XX/XX/XXXX at approximately XXXXXXXX XXXX  central time spoke with a rep and the representative made me verify before she took the call and I gave her all my Identifying factors and the issue still wasn't resolved. I've reached out to both the companies and the bureaus the Inquiries are reporting from and to XXXX and TransUnion but they have failed to remove them from my credit report as they are hindering my credit scores and I want them removed as I did not authorize these Inquiries I never even been to these companies nor do I have an active account attached to these unauthorized Inquiries Neither company has responded to my previous letters that I have written to them besides TransUnion, TransUnion is accusing me of working with a credit repair company which I am not I just did my homework and researched everything I need to know about my rights when it comes to credit reports and TransUnion stated they will not investigate the items I have found reporting inaccurately on my credit report. 

XXXX unauthorized Inquiries listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion unauthorized Inquiries listed below XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021

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 2021-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed my driver 's license and social security card to XXXX XXXX, Experian, and XXXX. ( XX/XX/2021 } certified to prove my identity and address. On my Experian, an XXXX has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX provider services, XXXX, etc. it's over 147 inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights

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 2023-10-12
Company: EQUIFAX, INC.
State: IL
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 segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 response to consumer: Closed with non-monetary relief