BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. There are numerous accounts that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts as soon as possible.

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 2017-11-16
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice from Mr. Cooper,  who had taken over my mortgage loan # XXXX from Nationstar that I owed an escrow balance of {$2500.00}. Upon calling, ( and being switched to numerous agents ), I was told that this was due to homeowners insurance escrow. I have never paid my homeowners through my mortgage. I was told they had 30 days to research this. I just received a letter, datedXX/XX/XXXX, stating " as per my refinance on XX/XX/XXXX with XXXX, the insurance is automatically added when a refinance is done. That may have been but it was quickly removed. When Nationstar took over the mortgage, they added it and once I called, they removed it. Now I have spoken to numerous agents who misdirected my call, gave me a wrong # XXXX and hung up on me. 
I tried again today and spoke with, XXXX, XXXX, XXXX and finally supervisor, XXXX # XXXX XXXX, who informed me that before they can remove the homeowners, which was not there when they took over, I have to pay them what they are saying is in arrears. I have spoken with XXXX at my homeowners insurance co. and they are currently paid in full until XX/XX/XXXX. This is a travesty. Does the consumer no longer have any rights in the banking world. Why should I need to come up with over {$2000.00} for a mistake that they made? Is it the law that banks can buy your mortgage and revert back to an error and the consumer has to pay for it? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions Inc.
State: OH
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 have written dispute letters to XXXX, Experian and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Purchased a night stay on XXXX for XX/XX/XXXX and checked in room at midnight but discovered the room not clean as decribed had shower water leaking into bedroom and caused flooding, toilet broken and had insects crawling in room and laying eggs, couldnot sleep due to smell and flooding, host promised to send cleaners in morning but did not, so I left in the morning, leaving keys behined, Tried to get credit from host who does not respond, so turned to chase Bank on XXXX XXXX who said can not help in this case & suggested to call XXXX XXXXXXXX, which i did but unable to reach their corporate office, all their phone numbers end up in XXXX and the reps did not let me speak to anyone in corporate office.. Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
on or about XX/XX/21 I attempted to purchase XXXX ft of XXXX XXXX  for {$620.00} on line from Lowes. Delivery was supposed to be with in 1 week. After waiting 4 weeks I called Lowes customer on XX/XX/21 and on XX/XX/21. I called Lowes to find out what happened to my order. They told me they did not know what happened to the order. So I told them I wanted a refund. After waiting about 2 weeks later I put in a complaint with Lowes ( Synchrony Bank ) Credit card. They denied my claim stating the order was delivered. I have never received my order. 

On the order slip it said XXXX shipped it Tracking # XXXX. I checked with XXXX, they said they need a 12 character number.

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 monetary relief
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At XX/XX/XXXX, I was in Bank of America to have my name added on an existing account to my mother which was also in the bank with me. While talking to the personal banker and manager, they told me I was unable to be added on to my mother account because someone took my SSN # and name and continued to open up an account during the months of XX/XX/XXXX and was successful on XX/XX/XXXX. I was shocked and begin to report this incident to the Bank of America fraud department. I have not had an account at this bank since XXXX or XXXX. While I report the fraud to Bank of America, they communicated to me that there was a few pages full of transactions from this account. My reference number that was given to me from Bank of America is # XXXX. The phone number to the Fraud department for Bank of America is XXXX. They told me that they will send me more documentation in 2 to 3 business days to review the transactions that was made. After I froze the three credit reports from XXXX, XXXX and XXXX. I was still able to file a police report for this incident and I received a incident number which 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 2021-09-16
Company: HireRight Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Hire right conducted a background check for XXXX, hire rights background check is not including the date of arrest that is the disposition date more than 7 years, please explain why the conviction but no record of rehabitations is being shown need the report to show the adjudicated meaning, the fact that the company makes the final hiring decision and the ftc law that allows this in texas, How is it these records are not confidential, and what business code allows the conduct of a background without violation the privacy act of XXXX How is it hirerights module does not follow the XXXX green factor guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX XXXX IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Affirm Holdings, Inc
State: CT
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:
XXXX XXXX Name XXXX XXXX XXXX XXXX ___XXXX XXXX  XXXX Town XXXX State, and Zip Date XXXX XXXX XX/XX/XXXX XXXX To : _____Whom It May Concern _____________ RE : Notice to Correct Credit Report Dear ___Sir/Madam_______________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX 4.Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I XXXX follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _____maurice XXXX XXXX XXXX XXXX XXXX __________ XXXX _____XXXX XXXX XXXXXXXX Town XXXX XXXX and Zip XXXX Social Security No XXXX Date of Birth

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. XXXX Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to have this corrected. My credit file is being mixed up with someone else who has a similar name and social as mine. I mailed a letter asking Jefferson Capital Systems to verify the debt owner on XX/XX/XXXX. I never received a response, but it shows up on my credit with a note stating it meets FCRA requirements. I mailed a letter on XX/XX/XXXX requesting to see what information was used to verify the debt. I have not received any communication from Jefferson Capital Systems. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of XXXX and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

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 2019-05-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
SYNCHRONY BANK/CARE CREDIT GAVE ME A LIMIT OF XXXX AND LATER REMOVED THE LIMIT A YEAR LATER GIVING ME XXXX ONLY. THEY ARE SAYING THEY PULLED MY CREDIT AND MY SCORE DECREASE. I DID NOT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT FILE. I ONLY GET CREDIT REPORTS THROUGH XXXX/XXXX  AND NOT XXXX. THE COMPANY IS DOING ME WRONGFULLY. I HAVE ALSO PAID MY BILLS ON TIME.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called Transunion and spoke with XXXX, the call code is XXXX. I informed XXXX that I did not authorize and have no knowledge of two inquires that are currently being inaccurately reported. Neither inquiries from XXXX XXXX XXXX  or XXXX XXXX XXXX were authorized by me. XXXX informed me that she would flag the inquiries but would not remove them unless a police report is filed. I do not have enough information to file a police report because I do not know who committed the fraud. I do know that Transunion is obligated to follow FCRA regulations when reporting my information and they are currently in violation of multiple FCRA regulations. They are reporting inaccurate information. They have been notified by myself that the information is inaccurate as of XXXX XX/XX/23. When given the opportunity to correct the information they refused multiple requests and continue to illegally report the errors.

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 2023-07-09
Company: EQUIFAX, 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:
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. Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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 an 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 ) ( XXXX ) 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.

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168115 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit Which is a violation. This is preventing me from qualifying for buying a house with my family. 
My address is only XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Any other address is not my address. I attached my previous credit report to show where XXXX, XXXX, and Equifax violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There were several Chase account opened up in my name. I immediately notified the Chases fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Chase continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.

Company response to consumer: Closed with explanation