BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XX/XX/2021 Re : Account Number : XXXX To Whom it may concern, I recently challenged the validity of multiple Dept of Ed/ XXXX account thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging these accounts with your company you have continued to verify these same accounts. 

It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify these accounts in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately. 

Best Regards, 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 2023-03-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX XXXX XXXX XXXX XXXX ) and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay

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 2022-03-01
Company: EQUIFAX, INC.
State: NY
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, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX XXXX XXXXY and egregious collection accounts from XXXX XXXX and XXXX & XXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00}.

Company response to consumer: In progress
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MS
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:
It's been XXXX  days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: IL
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 pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called XXXX XXXX XXXX claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/2020, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I submitted an Employment Certification Form ( " ECF '' ) for Public Service Law Forgiveness. This form was auto generated through StudentAid.gov, and had a number of errors such as stating my EIN was not a government agencyXXXX when it in fact is. This error ultimately was on my part for failing to adequately review the form. 

I resubmitted the ECF on XX/XX/XXXX and it was rejected due to a failure of me to date the form. This error was on my part. 

I resubmitted the ECF on XX/XX/XXXX. The ECF covered approximately 21 payments. I received a response on XX/XX/XXXX. Despite having submitted an ECF beginning XX/XX/XXXX, FedLoan ignored the time period between XX/XX/XXXX and XX/XX/XXXX and only certified one payment. The other 20 payments remained eligible, but not certified. The explanation that I was provided was that on my XX/XX/XXXX ECF form I used the start date of XX/XX/XXXX rather XX/XX/XXXX, which I put in based on the following instruction from StudentAid.gov PSLF Help Tool : " Note : Only add your employment history since your last approved employment certification '' No explanation was provided for why the period of XX/XX/XXXX through XX/XX/XXXX was ignored On XX/XX/XXXX I submitted another ECF. To date, I have not received any update on that form and have an e-mail chain consisting of numerous FedLoan representatives providing conflicting information, stock responses, and a general lack of clarity. In one instance, XX/XX/XXXX, XXXX informed me that the reason for the delay was because I did not use the form on StudentAid.gov. I did. No explanation has been provided for why this was informed to me. In another e-mail, I was told it was a general review of all employers ; however, my employer remains on StudentAid.Gov as verified. It appears evident that if a customer service representative does not know the answer to a particular problem, they answer with either a guess or a stock response rather than escalating it to someone who can provide an honest, direct answer. 

I have worked for the city of XXXX  XXXX without interruption since XXXX of XXXX. It is a government agency. Further, I am an XXXX engaged in XXXX XXXX XXXX, which is a secondary basis for eligibility. My employer is unquestionably verified, and the EIN continues to appear as Eligible in the PSLF help tool

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a5 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 an 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 I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX. XXXX, XXXX Account # XXXX ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.

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 2022-03-03
Company: Key 2 Recovery, Inc.
State: MO
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:
The creditor advised that I have a balance. I called over the course of several days and was advised that I would have an automatic withdrawal set up to pay the balance on the account. I authorized this several times on a recorded line. Due to the agents error the payment was not processed and negatively impacted by credit score. When speaking with the supervisor he was very dismissive and intimidating. He would not address my concerns for the inaccuracies of what was reported only the balance remaining. The supervisor completely disregarded my concern and continued to attempt to collect although I advised that my information was not correct. The negligence, intimidation and disregard for the customer is appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Velocity Portfolio Group
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The date of the fraud on my Social Security number was XX/XX/2020. The amount of the fraud is {$6100.00}. The company 's name is CKS Prime Investment, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The account number is XXXX XXXX. 

I have tried severally over the years to talk with the company that this was a fraud in my name, but they insisted I have to pay ( what I did not owe ). 

I never had a credit card in that name and the address used on the fraud is totally different from my address I have been living for 16 years! 

The company has consequently refused to remove it from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person claiming to be called XXXX XXXX requested to book my XXXX beach rental property but said his company was paying for the trip and he needed to send a check. I said ok but said I wouldn't confirm until the check was received and deposited. A week later he contacted me through XXXX saying there was a " mix up in the payment sent to you, I was supposed to receive two separate payment one for you and the other for my vacation planner, but unfortunately the whole sum of these 2 payments were issue on 1 check in your name and sent to you. And I don't know if you can help me with the difference once the check clears your bank please advise to be on the same page. '' I offered to refund the difference when the check arrived if he provided their name, address phone and email so that I could contact them. Then he asked to text me and I told him that was not possible until the transaction was completed. Then he sent me a .pdf with his name address and phone number. I think I tried to call or text the number and it didn't work Then he texted me from the number above and said the check was on the way via XXXX and gave me the tracking number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX He texted that the check had arrived. I deposited the check electronically and waited a day. Chase showed the funds had been deposited. He asked me to send the balance {$3400.00} to XXXX XXXX email : XXXX. He asked that I first send {$1400.00} and 'text me the confirmation screenshot once I confirm it I will advise you to proceed with the balance. '' The Chase XXXX transaction numbers were XXXX, XXXX, and XXXX completed on XX/XX/XXXX and XX/XX/XXXX. Friday morning XX/XX/XXXX the bank said the deposit was rejected. I called Chase to reverse the XXXX transfers and was told that since I initiated the transfer they could not be reversed. This XXXX XXXX person continued the ruse saying he would get the money back to me. I told him I was reporting him to the authorities. On Saturday XX/XX/XXXX he texted " Hello '' and that is the last exchange I have had. To add insult to injury, I was charged a {$12.00} returned check fee by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: KS
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed for an over XXXX homestead exemption last XXXX when I turned XXXX so I was expecting a decrease in the taxes and mortgage payment due to this. Mid XXXX I still did not receive an analysis. I have called everyday since then with a different excuse from that department. I received an email that stated my new payment, effect XX/XX/XXXX was XXXX yet the website to make the payment still states XXXX An over of XXXX was to be received from Chase by Last Friday still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan has been sold several times and the latest is Rushmore Loan. 
Since XXXX of XXXX I have been paying extra escrow payments for their required 2 month cushion. 
Since they have obtained this loan to date XX/XX/XXXX I have paid in a total of XXXX and every year at escrow analysis time I have a new monthly payment reflecting their projected property tax, hazard insurance, my principal and it includes the shortage. 
At this time I start all over again owing 2 months worth of escrow cushion but no one can give a clear and simple explanation of where the money I have paid in has gone. 
I receive a check from them to pay my taxes and for 2 years in a row it has been higher than the taxes and I end up with a check back from the city. 
If I never have enough money for the cushion how am I getting money back when I pay my taxes? 
Their explanations make no sense and I am told that the amount is going down but due to them spreading the payment out this is why I am behind. I can not get anyone to explain in plain English why I paid in XXXX and every analysis I wind up having nothing in the cushion and start all over. I don't know where these funds are being allocated. I am not an accountant so their analysis make no sense to me. 
I pay the amount I am required every month yet still have no cushion. 
I am not sure how I am ever going to have the required cushion if every analysis I am told there is nothing left.

Company response to consumer: Closed with explanation