BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I was interacting with an individual on XXXX XXXX. They agreed to buy the piece of furniture I was selling. They asked to send the money to me through XXXX and I agreed, for {$400.00}. I received an email shortly after that the transaction was too large and I needed to upgrade my account to a business account. As a result, the email said that XXXX required the other party to send me {$700.00}. I would have to send them back {$300.00} so the {$700.00} could be disbursed to my account. I sent the {$300.00} through XXXX to XXXX XXXX, email XXXX. Then, after my payment was received, I got an email that the other party had accidentally sent the extra {$300.00} twice, so they had mistakenly sent me {$1000.00} for my {$400.00} piece of furniture, and I would have to send the extra amount to receive my money. I sent them {$200.00} more as my XXXX account would not allow me to send more than {$500.00} to a new contact. Once I did this, the other party started to harass me on XXXX message for the remaining {$100.00}, claiming I would get my money back when I did. From there, I refused to interact with them further or send more money and began to report this incident. I filed a policed report and reported the incident to Chase bank and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 non-monetary relief
Consumer complaint received 2022-10-18
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX My phone number is ; XXXX and would like to report a fraud from the company Western Union XXXX transfer - against me with location in the address : XXXX XXXX XXXX. XXXX, N.Y. Zip code ; XXXX I sent XXXX hundreds dollars to XXXX XXXX XXXX XXXX in the date XXXX XXXX XXXX  and the final received that is my sister ; XXXX XXXX XXXX XXXX De XXXX she never received the money. The number of tracking is : ( ( XXXX ) ) The money was retired from another Check cashier Western Union in the location The XXXX XXXX : XXXX XXXX pharmacy XXXX XXXX XXXX XXXX. XXXX, NY This is a telephone number that I XXXX the time of the next morning XXXX XX/XX/2022 around XXXX to XXXX XXXX 
I make a complaint two times with the company Western Union and they give me this claim complain number ; XXXX XXXX XXXX and this is the XXXX XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts 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 2021-02-16
Company: CrossCountry Mortgage LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I re-financed my loan mid 2020 ( moving from XXXX to Cross Country ). After closing the title company AND the mortgage company ( CC ) paid the home owners insurance. A refund was made to the mortgage company as a result of the duplicate payment yet the credit was never posted to my account. As a result CC increased my monthly mortgage payment by {$280.00} a month to account for the 'shortage ' in the escrow account. There is in fact no shortage as the double payment was credited back to my account however an escrow analysis was never completed. Since XXXX I have made multiple calls a month to the XXXX number provided by CC as well as to my local mortgage lender with no answers. IF I can actually get through ( often times after I press all the options to talk to someone the call sits on hold for 20+ minutes with no answer or it hangs itself up ) I speak to someone who refuses to allow me to speak to loan servicing who handles the escrow analysis. I have been assured multiple times that a request has been made on my behalf to servicing and that I would hear via mail within 10 business days yet no follow up has been received and my account has still not one through a re-analysis. In all my years as a home owner I have never dealt with a company with such poor customer service, poor response time and inaccurate account management. I will never work with CC again and I feel as if their business practices are unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint against TranUnion regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681i. 

On XX/XX/2023, I submitted a dispute regarding misinformation on my credit file with TransUnion. The results of their reinvestigation were communicated to me on XX/XX/2023. However, I am concerned that the agency has not provided adequate documentation of the procedures and evidence used during the reinvestigation, as required by U.S. Code 1681i.

The response I received lists a generic course of action, stating, " After a review of your dispute and any provided documentation, we took one or more of the following actions : '' and lists four possible actions they could have taken. One of these actions includes the statement, " determined that the data furnished has previously verified the reported information. If any of the items you disputed were previously verified, a separate communication was sent to you listing those items along with the data furnishes contact information. '' I wish to note that I have not received any separate correspondence regarding the verification of disputed items.

While these are generic options, the response lacks specific details about the actions taken in my case, which is crucial for a thorough understanding of the reinvestigation process. Relying on previously verified information without providing specific details about the verification process raises concerns about the accuracy and thoroughness of the reinvestigation, potentially violating the FCRA and U.S. Code 1681i.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with the FCRA.

Enclosed, please find copies of the relevant documents, including my original dispute, the response ( s ) from Transunion, and any other supporting evidence. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.

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 2023-10-23
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-19
Company: Experian Information Solutions 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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
AFFIDAVIT OF TRUTH CREDIT REPORT DISPUTE & IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN/TIN XXXX XXXX XXXX XXXX have written this affidavit pursuant to Title 15 UNITED STATES CODE 1681a Definition ; rules of construction to dispute furnished information that is identified as falsely reported without XXXX XXXX XXXX written permission on a credit report with your agency that bears XXXX XXXX XXXX personal and private information . XXXX XXXX XXXX as the private identified person request that you provided the following : Proof of Claim. That XXXX XXXX XXXX gave your agency written permission to create a report using my personal and private information. ( Title 15 UNITED STATES CODE 1681b Permissible Purpose of consumer reports ) Proof of Claim. That your agency has not taken XXXX XXXX XXXX personal and private information and sold it for profit to a third party. ( Title 15 UNITED STATES CODE 1681c-1 Identity Theft Prevention ; Fraud alerts and XXXX XXXX alerts ) Proof of Claim. That your agency did not obtain XXXX XXXX XXXX personal and private information to report negative data to disable and/or prevent XXXX XXXX XXXX from obtaining credit as a consumer. ( Title 15 UNITED STATES CODE 1681q Obtaining Information under false pretenses ) Proof of Claim. That your agency is the sole furnisher of XXXX XXXX XXXX personal and private information ; if not, XXXX XXXX XXXX request that your agency provide the name and address of the agency that provided your agency with XXXX XXXX XXXX personal and private information. ( Title 15 UNITED STATES CODE 1681s-2 Responsibility of furnisher of information to consumer reporting agencies ) Due to the time-sensitive nature of this affidavit, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days plus three ( 3 ) days grace granted by return service by certified priority mail to principal address. 

Should you fail or refuse by non-response to this affidavit within the time frame specified, general acquiescence and acceptance will be taking on your agency part as formally exercise and performed pursuant to your agency silence and dishonor ; there for your agency accept and recognize Title 7 UNITED STATES CODE 13 ( a ) ( 4 ) and shall be reliable for a maximum fine of XXXX XXXX dollars ( {>= $1,000,000} ) for each violation.

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 2020-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I accepted a " deferral '' of payments on my account which was, according to law, the help a mortgage servicer is supposed to provide during the pandemic. After a couple of months I received what they call an " annual activity statement '' showing some adjustments in my principal balance resulting in an increase of about the equivalent to the 3 moths that were being deferred. The statement was followed by a letter that according to them explained the terms of this " helpful program '' confirming that the principal balance had increased and that the total amount equal to the payments for 3 moths would be due upon maturity or payoff of the account date. 
I never agreed to these terms and never was clearly informed of these additional charges. This is in no way helping me. Again! Additional charges that aren't supposed to help the consumer during a worldwide pandemic. 
After a couple of attempts to get a clear explanation from SPServicing, I still don't understand how can they increase the principal amount by $ XXXX and just suggesting to try to file a complaint because they can't do anything after they discussed it a couple of times with me over the phone. 
The way I see it, they're just trying to make money from its customers out of the very particular and difficult situation thousand of people are going trough. Deferred to my knowledge, means " postponed '' and to any regular individual this means making those 3 or 4 payment at a later date ... not making them twice! This is illegal and they just claimed I accepted it. Not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CU Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Any account with my name on it at XXXX XXXX XXXX XXXX was closed in good standing. Me nor my wife were informed of any debt when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2022-10-31
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: Was not notified of investigation status or results

Complaint:
I would like to dispute some information that I do not recognize or find to be accurate : 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 [ REPORTING TWICE! **WHY/HOW?? ] ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! ** XXXX?? ] XXXX XXXX XXXX XXXX. I have reached out to Experian via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that XXXX, XXXX, and Experian are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, if any of these companies choose not to cease reporting, please have them provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.

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