BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/19 I reset my password following Experians ' instructions. However, they have a secondary security feature that asks to send a verification code to a predefined phone number. The phone number listed is not mine, therefore I did not proceed. I made several attempts in vain to actually speak with someone at the company to get this corrected. There is physically no way to actually speak someone to get this corrected through their automated system. There could be severe fraud on my account if someone has accessed my account and changed the contact information. I have no way to check and I am very concerned. I e-mailed the company and as of yet have not heard back from them on this issue. Please assist. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Back in XX/XX/2021 I sent a certified formal dispute to XXXX TransUnion and XXXX regarding fraud accounts open under my name. Ive sent in A verify police report picture of driver license bank statement to show my identity, prove I am the person. Per 605B. 15 U., S.C. 1681c-2 Requesting the listed accounts be blocked off my police report due to fraud, Idenity theft. Its obvious that none of the Credit Bureau took my dispute seriously Because the never addressed my concerned and are sent me a detailed reasoning and justification of not blocking these items off my credit report. I believe my due process rights were, has been violated by these companies.

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 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit card issuer - Capital One - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please update and correct the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires FCTUALDATA - XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/2020 XXXX XXXX  XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2019-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in foreclosure with a sale date XX/XX/2019, the new underwriters who purchased the certificates from other lenders did not complete my disagreements with my previous services who were found to be negligent by CFPB CEO. The damages were not corrected the demands were placed on me as the consumer and reported to the highest banking and court organizations by myself and not resolutions has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM 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 explanation
Consumer complaint received 2020-12-24
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have contacted NJ Lenders to get a copy of the alleged payment ( Cancelled Check ) that they made to XXXX XXXX XXXXXX/XX/XXXX The NOTE NJ Lenders prepared claims that I received payment of {$130000.00} I did not receive this payment from NJ Lenders. I would like to see who was paid so the matter can be sorted out. I am not saying NJ Lenders is behind the mass sabotage and communications tampering that led me and many others to default on their mortgages. I am not saying that NJ Lenders is involved with covering up illegal transactions. What I am saying is that the contract NJ Lenders prepared titled " Note '' states that I have received a {$130000.00} loan from NJ Lenders and I have not received a penny from NJ Lenders. NJ Lenders has responded to my request by send back a " mortgage '' stamped cancelled or record without proof of being satisfied or the lien being released and no discharge of mortgage. 

All I need to get is a copy of the check that was used to pay-off the existing XX/XX/XXXXmortgage. You have sent me a copy of the XX/XX/XXXX cancelled mortgage. 

I am requesting of copy of the check used to pay-off the existing balance. I have attached an example of what I am looking for CHECK # XXXX proves that XXXX XXXX paid XX/XX/2003 mortgage in the amount of {$1400.00} On the reverse side of the check it shows the Fleet bank where the check was processed. The SINGLE POINT OF CONTACT AGENT ( SPOC ) XXXX was used also. Please take a look at the check front and back that gives you a visual example of what I need to see. Your payment will look similar but the names will change to show NJ Lenders payingXX/XX/XXXX along with the mortgage pay-off number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank monitors TJ Maxx card. I have had this account for years and I do not use the card if you can see the minimum payment is {$30.00} and I have been paying {$60.00} all the time and my balance is NOT going down any!! They lowered my credit limit, it was much higher when I opened the account over 7 yrs ago, It should not take that long to pay off an account. Synchrony cheaps people and they need to be exploited for their poor practices to American people {$790.00} * Current Balance VIEW ACTIVITY {$360.00} * Available to Spend {$1100.00} Limit REQUEST MORE Paperless Statements- ON Text and Email Alerts- ON Additional Authorized Users - 0 PAYMENTS {$30.00} Minimum Payment Due VIEW PAYMENTS 13 days Monthly Due Date XXXX Account ending in XXXX Minimum Payment Due {$30.00} 13 days Monthly Due Date XX/XX/2023 remind me Last payment XX/XX/2023 {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2021-06-11
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 Sent a letter to validate the debt and to cease collections of the debt as it is outside the time frame to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 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 XX/XX/XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Chase will not provide us with a payoff anywhere near the amount that is actually owed on our mortgage loan taken out in XXXX and assigned to Chase in XXXX. Chase is the lien holder of record at the County where the property is located. Chase keeps stating to contact XXXX for a payoff or a release. We would like to see the assignment and/or servicing agreement that gives XXXX any rights to our mortgage. Our loan taken out in XXXX for {$140000.00}. In XXXX a mortgage in the amount of {$35000.00} was applied to this mortgage. We have on 2 different occasions this year requested the accounting of our loan from Chase. In which Chase still has not provided adequate accounting information to us. Chase filed a Complaint for Foreclosure in XXXX. This property was XXXX in a Chapter XXXX Bankruptcy and the property was surrendered by the Trustee of the Case in XXXX. Chase is stating the payoff is {$150000.00}. We have had the property up for sale and have a contract with the purchase price of {$180000.00}. We have hired an attorney to help negotiate payoff of {$95000.00}. Chase is refusing to negotiate any kind of fair and reasonable payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 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 Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation