BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 urge the CFPB to investigate the actions of XXXX XXXX  for non compliance regarding the Gramm- Leach Blilley Act and reporting inaccurate, incomplete information to credit reporting agencies. 



I received a letter dated XX/XX/2023 from a XXXX XXXX who quoted 16 CFR Section 313 15 ( a ) ( 5 ) but where are my initial privacy notice and annual private privacy policies?, that are mandatory even for former customers even if alledged debts have been sold according to Gramm- Leach -Blilley Act. XXXX XXXX, XXXX  XXXX that are charged off and inaccurately reporting on my consumer reports. That makes me a former customer due to these debts that you as a FURNISHER are reporting. 

XXXX XXXX stated that XXXX XXXX  is " authorized to report to the credit bureaus. '' I find that statement to be Misleading because you may be authorized to report but you are not under any mandatory type of pressure to do so! XXXX XXXX  could stop reporting anytime with no consequences. 


I am more concerned with XXXX  being in Non Compliance because the law in accordance with the Gramm- Leach Blilley Act states I am a former customer who should have received an initial notice and should also receive according to CFPB Regulation P your annual privacy policy notices and opt out notices. I understand that they could be served with harsh fines from {$10000.00} to {$100000.00}. 

*A financial institution can be fined {$100000.00} *The officers and directors of the financial institutions can be fined up to {$10000.00}.

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 2019-03-23
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX XXXX. there is evidence demonstrate how XXXX consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: In progress
Consumer complaint received 2023-03-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2020 I had a account with chase credit card and they tell me I owe them money but I dont cuz I payed it off and they didnt report that in my credit report instead of it being a positive they just dinged. My credit and didnt close the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to seek guidance and assistance regarding a challenging legal situation involving a debt collection case that has become a significant burden for me. 
The case is located in XXXX XXXX, with the case number XXXX between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My court date is scheduled for XX/XX/XXXXXXXX 
In XX/XX/XXXX, I obtained a personal loan of {$12000.00} to start a business venture. Regrettably, unforeseen circumstances such as contracting XXXX in XX/XX/XXXX and the subsequent vandalism of my store on XX/XX/XXXX severely impacted my business and finances. As a result, meeting the regular loan payments became unmanageable. 
Despite my efforts to resolve this situation, the strain of these unexpected events, compounded by my status as a student, has made it increasingly difficult to navigate the debt collection proceedings. Due to my low income, I am presently unable to afford any payment or establish a payment plan. 

Enclosed, please find supporting documentation, including medical records, evidence of the business downturn due to the pandemic, and documentation related to the vandalism incident. 
I kindly request your office 's guidance, advice, or any available resources that may assist individuals in similar circumstances dealing with debt collection cases. 
Your assistance in identifying potential solutions, providing guidance on consumer rights, or offering resources to address this situation would be immensely appreciated during this challenging time. 
Thank you for your attention to this matter, and I look forward to any guidance or assistance your office may provide. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: PA
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX  Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.

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 2022-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2012, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-12
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They refused to collect from the insurance agency. 

Capital Accounts Collection Co. 

XXXX XXXX Original date XX/XX/XXXXNow they updated it to 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 2022-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 explanation
Consumer complaint received 2023-03-13
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX account XXXX and XXXXXXXX XXXX account XXXX is still showing on my credit report. This account is more than XXXX XXXX XXXX. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not XXXX XXXX XXXX and never get a response. I have written several letters and made phone calls with XXXX assistance. Debt over XXXX XXXX XXXX must be removed or they must show proof to validate it can legally still be reported. XXXX and transunion refuse to remove old debt. The next step will be having my attorney file a lawsuit.

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 2023-03-30
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX Balance : {$4900.00}

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 non-monetary relief
Consumer complaint received 2022-03-22
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problems all started when my wife and I needed more money than we had originally borrowed on a home equity loan. We applied for the new home equity in XXXX of 2021. We originally borrowed {$40000.00}. We asked for {$55000.00} on the new one, so they closed out the one for {$40000.00} and created a new loan. Instead of closing out the home equity loan they closed out my original mortgage. They took the money from the home equity loan to pay off the home mortgage. While all this was going on they were switching the mortgage payments over to XXXX XXXX  XXXX XXXX I paid my mortgage in XXXX and XXXX for {$590.00}. They closed out the account in XXXX. There was also payments made on the Home Equity loan for {$400.00} for XXXX and XXXX. I also sent the bank {$2000.00}. I was sent some documents form the XXXX, NY office of changing my interest rates on both loans to make up for their mistake. They were going to change the mortgage to 2.5 % and the home equity to 3.125 %. They were also suppose to take out my mortgage and home equity out of checking accounts with XXXX XXXX  and Berkshire Bank.

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 2018-04-26
Company: Navient Solutions, LLC.
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:
I am being charged for attending XXXX XXXX where I have NEVER attended. I applied to the school but never enrolled nor attended. I have called and wrote Navient from XX/XX/XXXX until XX/XX/XXXX to validate the charges said that I owe. 

I have asked several times for Navient to validate the said loans allegedly owed to them by providing documentation that I agreed to pay these funds, breaking down an audit of the payments, what school the said money was sent to, proof that I even attended the school ( s ), how was money applied, what was my balance and where is any or all documentation. 

I was verbally coerced into some form of consolidation that would temporarily make my payments $ XXXX monthly while my account is being investigated. However, these amounts are still being reported on my credit report without any proof that I owe the monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My credit card account was compromised on XX/XX/XXXX at XXXX. My account information was changed, email address, password, and address. ~ {$550.00} worth of rewards points was used to purchase gift cards that were rush shipped for a {$10.00} charge to my account to an address in XXXX, AL. From speaking with Chase customer service it appears access was given to my account using the XXXX code as a 'security ' question. XXXX code is not a security question, it's on the card that is ostensibly compromised. This is gross negligence on the part of Chase that lead to my account and private information being compromised and incurring charges. It took me 4 hours and speaking to 7 different representatives to get this information. Throughout the call no one was able to tell me how my account was compromised and I was passed between departments forcing me to wait 30 minutes each time and starting over in my inquiry each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX open collection is not know by me and not my account XXXX XXXX XXXX is not accurate and not known by me. Not my account

Company response to consumer: Closed with explanation