BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: I.C. System, Inc.
State: OR
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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:
Someone Please help, I XXXX have been sending letters to the credit bureau about information that was incorrect and have received no responses. I dont know how long these inaccurate and unknown items has been on my credit report but its been over 62 days and I have not received a response yet. I have given them 2 months to give me an answer and I till wait. I feel that everything that I have dispute should be deleted immediately or I will file for litigation is due to the stress you caused me. My information was impacted by the Equifax data breach it may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been left with no choice but to consider pursuing legal action against Transition. 
First and foremost, I want to emphasize that I have already spoken to the company associated with the reported account, ( XXXX XXXX ) and they have unequivocally confirmed that they have submitted the appropriate reporting to the credit bureaus, including TransUnion. It is deeply concerning that TransUnion has chosen to continue reporting this information incorrectly, despite the confirmation from the creditor. I initially approached Transition with the expectation that this matter could be rectified through your support. Unfortunately, the lack of appropriate action on your part has forced me to escalate this issue further. Again my credit acceptance account has been PAID, and CLOSED with a {$0.00} balance. AND ZERO LATE PAYMENTS. TransUnion is the only crediting company reporting this account incorrectly. transUnion stated that the information was verified Please attached how this information was verified because I know for a fact it was NOT verified by credit acceptance per the per company. This my very last time asking to conduct a thorough investigation into the circumstances surrounding this incident. It is imperative that you identify the root cause of this error and take the necessary steps to prevent such occurrences in the future. 
Please be advised that if this matter is not addressed satisfactorily within the specified timeframe, I will have no alternative but to seek legal redress to protect my rights. I believe in resolving conflicts in a fair and reasonable manner, and I sincerely hope it does not come to that. 

For your convenience, I have attached all relevant documentation supporting my claim, including proof of payment and closure of the account. I trust that this evidence will facilitate a swift resolution to the matter at hand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not allowing my report to be pulled for a apartment. They are stating that my credit file is blocked, but my credit file is not blocked nor is it frozen. this has caused me to be homeless and not approved for any apartment. i have occurred charges i can not get back from applying to different apartments and being denied due to this " XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I was charged {$27.00} for XXXX XXXX Guest Visit. This was for the lounge access in XXXX. I brought three guests with me. When I when to check-in with the front desk staff, I asked if there would be additional charge if I brought in three guests and she said no, I could bring them all in without any charge. Had I known later on Chase and XXXX XXXX would charge me {$27.00}, I would bring in only two guests because the lounge service at XXXX was not worth {$27.00} entrance fee at all. This charge was made when I was totally unaware of ( I didn't authorize this charge and was provided with complete and transparent information when this charge was made ). I had to call in two times to get this disputed. The first time, the agent said I would be credited back {$27.00}. I waited for 10 days, nothing showed up on my account. I had to call in a second time. This time, a different agent said a completely contradictory opinion compared to the first one. He said this charge would not be dispute and I would not receive my money back. The fact that I had to call in two times to get it resolved and received two competing solutions is really frustrating to me. I feel like I felt into a scam between XXXX XXXX and Chase Sapphire Reserve because of the in-transparent and unprofessional service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Resurgent Capital Services L.P.
State: MO
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 sent LVNV FUNDING LLC certified letter asking for verification of the negative account they are reporting they were not able to validate the account Im asking account to be removed because its stopping me from get my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2022-11-24
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 sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It has been more than 30 days and I did not receive any response. Also, I did not notice any investigation made because there are no changes in 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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, 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, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,

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 2023-06-06
Company: Experian Information Solutions Inc.
State: IN
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 Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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 the fraudulent activities, 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 explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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 have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi Sir/Madam, I have The Home Depot, Credit Card, that I have paid off in full. I have closed the account couple of months ago, but the company is sending me bill, every month after the closer of the account, with late fee of {$40.00} per month plus interest. As of today, they have billed me for about {$110.00} in late fee plus interest. I have purchased nothing in last few months, but I am getting bills for additional charges on late fee over late fee. This is an insane practice. This is a rip off which is like a termite. I have a family and I hardly make my ends meet every month. These big companies, out of their greed, are ripping off the fabric of this society. They are forcing people toward the poverty then prosperity. Please save me from their vicious scams. I have called them few times and discussed to resolve the issue but instead of resolving the matter, they are keep harassing me. 

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 2022-12-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NAVY FEERAL CREIDT UNION has create. A DOUBLE ENTRY CREATING A " PLEDGEMENT ARRANGEMENT " and of my asset. Thus taking my PROCEEDS OFF THEIR BOOKS FOR PROFIT. my POSSESSION has not been abandon, a debt has incurred from the extension of MY CREDIT, INITIATING A CREDIT SALE TO NFCU. I have been denied the right and under XXXX of law to dispute the Billing Error on my account pursuant to 12 car 1026 e and f. There are proceeds due and interest to be transferred to my principal balance. Any payment or request there of an obligation is PAYABLE TO THE United States, as it is BANKRUPT. I XXXX the living woman, have INVOKED NFCU AS THE COLLECTION AGENT. As I am the holder in due course. nothing is owed.. I Gave value and consideration and extended my credit... SETTING UP MY TRANSITION AS A VOLUNTARY TRANSFER OF TITLE TO MY PROCEEDS IN NFCU FAVOR WHILE XXXX 'S ESTATE IS THE XXXX. NFCU HAS NO INTEREST IN MY POSSESSION AT THIS TIME. ALL POA HAS BEEN RELIEVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief