BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXXXXXX XXXXXXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX Late Payment Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX  Collection Account XXXX XXXX  XXXX Late Payment Account XXXX  XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX  whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$4400.00}. This collection agency has updated this account in which it keeps the account current with no closed date. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: Credit Karma, LLC
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received a letter dated XX/XX/XXXX from XXXXXXXX XXXX, after applying to a credit card through Credit Karma. Credit Karma claimed that I was guaranteed for approval, or would receive a XXXX dollar payment for denial. The letter states that I need to call XXXXXXXX XXXX  to proceed with the application. XXXXXXXX XXXX  has treated me like a criminal in my two attempts to reach out to them via phone on XX/XX/XXXX. I called them at XXXXXXXX XXXX  Central time and XXXXXXXX XXXX on XX/XX/XXXX. The first agent was very rude and hostile on the phone and then hung up on me after I refused to text him a photo of my ID. I found this to be extremely concerning and the way I was being treated on the phone was unacceptable. I figured it was a fluke, so called back the second time at XXXXXXXX XXXX and spoke with a " XXXX '' on the phone who was also very snippy with me. At that point I asked for a supervisor, and " XXXX '' claimed no one was available and refused to allow me to hold for a supervisor and kept insisting " a supervisor will call you back. '' I do have a fraud alert on my report and always appreciate people trying to protect my credit and identity. I do not appreciate being treated in a hostile manner for being a crime victim and treated in a disrespectful and unprofessional manner. That is completely unacceptable. I think it is also outrageous that this sham company doesn't allow a customer to reach a supervisor when the call center is acting out on the customers and don't have the most rudimentary level of manners. Abusing people is not acceptable under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without 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 explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and Transunion are reporting late payments for account XXXX XXXX XXXXXXXX XXXX. I was never late on this account, and the information is inconsistent between the XXXX credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all XXXX bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.

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 2022-11-03
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are now behind 3 months on our mortgage with loancare XXXX. 

They refused a partial payment and now ate refusing a one month payment even if certified check. Paying two payments is just a bit too much. I an waiting for extra money from my second job and a curriculum project with my main job. 

Loancare, by not being flexible, is putting us in Jeopardy of losing our house. 

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 2023-11-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We were forced into financially disparate conditions last fall. We knew we were moving from XXXX  back to our home in XXXX. We chose to place the XXXX  home in forbearance, because we were going to sell in the spring of XXXX. 

The market conditions are difficult to sell, and our real estate agent recommended possibly doing a VA assumption, since our loan interest rate was only 3.5 %. 

Called the VA to ensure a loan in forbearance could be assumed, VA gave us confirmation that we could. 

Called the lender, NewRez / Shellpoint, and they confirmed that we could do an assumption while in forbearance. When we applied for the opening of the we received an email from the lender that the loan was approved to move forward as an assumption. 

We have gone under contract with a buyer, but the assumption process has been difficult and has caused significant difficulty in our transaction. Due to the friction with this transaction, the buyer has now notified us that the may file suit against us.

I need help getting this rigid process back on track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I submitted a letter to the 3 Credit Bureaus to delete 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

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 2022-11-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent a secure message the other day to Chase, informing them that I would pay my freedom unlimited card off in full at the end of the month. And asking them as a one time courtesy if they would waive an interest charge, they refused, saying they can't do that however, every other bank that I've asked to do this has been able to do it as a one time courtesy this is the reason for my complaint I informed the chase bank I would be filing this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Numerous times I have attempted to resolve this issue with Transunion. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. Also remove the unauthorized inquiry XXXX XX/XX/XXXX PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE EVIDENCE OF LATE PAYMENTS XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX credit card {$8200.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE

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: Experian Information Solutions Inc.
State: NJ
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 am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance- XXXX XXXX XXXX XXXX Balance- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Balance : {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

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: 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 have also verified that these accounts are not on my consumer report so you never accurately never verified any information. Remove the unverified items listed below that still remain on my credit report in violation of 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. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Remove these accounts. 
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 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 2023-01-24
Company: EQUIFAX, 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:
Account Name : AXXXX Account Number:5XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXXXXXX XXXX to get this old account deleted/removed it was paid off back on XXXX XXXX, 2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account Number:XXXX-Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received a derogatory mark on my credit report for supposedly failing to pay {$1700.00} for an emergency room visit from XXXX XXXX XXXX XXXX XXXX. The collection agency is COMNWLTH FIN and I told them this has to be a mistake because I haven't been to an emergency room for over 5 years and I never got any explanation as to what these charges are for. Also, they have recently changed the amount that they said I owed. It originally was at around {$900.00} ( if I remember correctly ) and then months later it jumped to {$1700.00}. This has lowered my credit score and made it very hard for me to get credit for my small self employed business. I am helping to raise XXXX kids with my girlfriend and I can't afford to pay a debt that is either from 6 or 7 years ago but is just now being reported or that isn't mine at all! So far they have not been able to explain to me specifically what these charges are for.

Company response to consumer: Closed with explanation