BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
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:
I have sent two letters certified to the Collection Agency, disputing and requesting validation of a debt they claim I owe according to FDCPA, 15 USC 1692g Sec. 809 ( b ). One on XX/XX/2019 and the other on XX/XX/2019. In return I received copy of an invoice from them of the original creditor with a XXXX balance. 
This is not a validation of the debt. Nothing with my signature and the original amount according to the invoice was {$1700.00} and they claim to be collecting {$300.00}. The unverified items remain on my credit report in violation Federal Law. They have not provided me a copy of Any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 612 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NY
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 some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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

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 2023-01-20
Company: EQUIFAX, INC.
State: NY
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 some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
My XXXX XXXX Mortgage was sold to Carrington Mortgage. The Last Last Report Date from XXXX XXXX to the Credit Bureaus was XXXX XXXX. Carrington reported to the Credit Bureaus on XX/XX/XXXX, showing that I was Currently 120 Days Past Due, and my last late payment was XX/XX/XXXX. This information is incorrect. The Loan is not past due. The Information that Carrington is reporting as current is the information as of XX/XX/XXXX. I am unable to apply for a Mortgage Loan due to the reporting of inaccurate information from Carrington Mortgage. 


**NOTE : I am one of 2 borrowers on this Loan. One Borrower filed Bankruptcy. That Borrower included this Mortgage Loan in his Bankruptcy Filing. I did not file Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-03-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a natural person/consumer. I extended my credit to Synchrony Bank on XX/XX/2022, in good faith pursuant to 15USC1691 ( 3 ) while at the XXXX  store in XXXX XXXX. I entered my credit card number pursuant to 15USC1602 ( l ), and we entered into a Consumer Credit Transaction ; however, I never received a benefit from said transaction which is a direct violation of 15USC1602 ( p ). Instead of receiving evidence with a security instrument that my open-end credit is active, I was given the GAP  Rewards Visa Brochure and told to expect something in the mail. 

I left the store being very embarrassed, confused and XXXX I know that I can not be denied credit unless involving insurance or employment. I also know that my rights were violated pursuant to 15USC1691 ( d ) ( 6 ). There was no reason for this adverse action to have taken place ; something is very fishy. 

On XX/XX/2022, I received communication from Synchrony Bank via mail with adverse action, stating my application for a credit product with XXXX was denied. This adverse action is unlawful and a direct violation of my rights.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent inquiries and inaccurate account information

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 2018-02-13
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2018 I submitted a complaint to Credit Bureau Experian/XXXX and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how Experian/XXXX and XXXX  Validated the accuracy of this negative collection account. This was a paid on time account and closed. Experian/XXXX  and XXXX has failed to provide me proof documentation from XXXX. The 30 days exceeded.

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 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one quick to report negatives like being over the limit but extremely low on posting updated payment causing lowering of credit score ... .in my opinion deliberate scammers!!! And you do nothing about it. Join the club.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I filed a complaint sometime in XXXX of XXXX, Consumer Financial Protection Bureau, Complaint ID XXXX, JP Morgan/CHASE Reference XXXX XXXX XXXX JPMorgan/CHASE responded in a letter dated XX/XX/2021 that " JPMorgan Chase Bank was the Trustee for the mortgage securities trust of which the loan was a part. '' Require JPMorgan Chase Bank to identify the deed of trust instrument number it was a part of AND state the securitization date of the? i.e. promissory note, account, other. Reveal whether JPMorgan Chase Bank was managing a lien for a bond issued for a construction loan? or a consumer mortgage loan secured by real property single family dwelling? 

Require JPMorgan Chase Bank to reveal whether it held a first or second lien and on what specific asset? i.e. Real property single family dwelling, a bond or other? Provide the date the lien was filed and instrument number. 

Require JPMorgan Chase to reveal if it filed a cause of action suit of a Judicial Foreclosure of a lien for a consumer mortgage loan against XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX, XXXX? If yes, name the borrowers involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my 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 2018-08-18
Company: Heritage Finance Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Starting in 2007 my father knowingly recieved loans using his birthdate and my social security number. I was only XXXX. I later then applied for a loavn at my bank and was told that there was numerous loans with my dads birthdate and my social security number. I went to the company to resolve the issue. I showed them my identification proving I was a minor and my correct date of birth. they told me there was nothing they could do and It was up to me to get a copy of my dads ss #. I contacted my dad and he says the company is lying. I Want THIS FIXED

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2023-03-11
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/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 2018-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: PNC Bank N.A.
State: NJ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
The I signed up on website XXXX to obtain credit score for a loan. After obtaining the information I called to cancel the subscription so next pay period I will not be charged. They were given my bank details. When I called to cancel the guy was still trying to push for me to keep the account and sell coupons. This made me aware that this may be a fraudulent company. I told him no to cancel and he did. I received a confirmation number. Now today XXXX the hoax company is trying to charge my card. I look up the address on the website and it shows a research lab not a credit review company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi I am using American Express Serve Card. I use it to get my direct deposits as well as purchases. Quite a few times I have noticed that things didn't add up as far as when I returned something me seeing the money added back to my card. The times that I call a rep just more so made it seem that I overlooked the return. Most recently I brought two things online on at XXXX for {$14.00} and XXXX XXXX for XXXX the money was deducted on out my account and place on hold pending the shipping. I also around the same time return an item at XXXX for XXXX and another for around {$20.00}. Because I notice a few time that I felt they were not properly returning my money. I transferred majority of my money into my saving to monitor the returns. Well now I have a negative on my account for XXXX. I called the and they told me that they took the hold off of the XXXX and XXXX XXXX and that the money went back to my account. And that when both items shipped they authorized my account again. I stated that was not the case I then told them that the only money that went back to my account was from the store return and requested to speak to the dispute department. After being on hold for like 20 mins and then the rep told me that the dispute dept refused to take my calling stating that the account was accurate. I don't agree! Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: GreenSky, LLC
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: Account status incorrect

Complaint:
I have a loan with my son as co-signer with Greensky. My son and his wife filed for Bankruptcy in 2017. Since then, my son has continued to always pay the Greensky loan as agreed since I was still responsible for it. He has never missed a payment. Further, most recently my son paid two large payments of $ 10,000+ to pay up the loan quicker than expected ( loan is a 15 year or so loan and is almost paid in full short of 5 years ).

I received an alert that my credit score went down due to delinquency. When I received my credit report, Greensky reported me as delinquent and charged off the loan. This should not have happened as due to the Fair Credit Reporting Act, my accounts in good standing should be reported as such.

My son contacted Greensky to tell them this, and they told him that due to the bankruptcy, they were following procedure. My son told them that they could not do that to me since I did not file bankruptcy only he and his wife did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So on XX/XX/2021 XXXX XXXX XXXX  i was informed from my wife when she was looking on experian they have my personal stuff on there without my consent and without law enforcment consent ... .so wIth them posting to there websites my street address age birthdate name all that has put my life in jeapordy plus now puts my wife in jeapordy due to her XXXX XXXX and such im very XXXX off about it i dont feel XXXX safe now companies dont understand how they put a persons life at risk when they pull a XXXX stunt like experian and others ... .experian has absolutley no right to do what they now had done and they are not law enforcment agency.they are defaming my name plus they are not even in the same XXXX state i want this addressed immediatley and i am very very serious to be calling my attorney i am suing experian for defamation of character and hardship plus many more TAKE MY INFO AND BACKGROUND OFF EXPERIAN AND OTHER WEBSITES CONNECTED AND THERE IS A LAWSUIT COMING TO EXPERIAN AND THERE AFFILIATES EFFECTIVE IMMEDIATLEY!

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I used the car lot to purchase a truck but was unhappy with the deal. Went back later and they pulled my credit without asking me to find the payoff value of my car because I would not give it to them. They ran my credit based on a text message that stated " show me your numbers '' and they ran my credit. I didn't sign any paperwork or agree to give them any information, they used previous info and ran it again and though several banks.

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