BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}

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 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received multiple emails about opening a BofA account in my maiden name but at my current address. I have never been known by that name at this address. I changed my name 7 years ago. I contacted them and told them that I did not open the account and that it was fraudulent. They stated that they closed the account and sent me confirmation emails. However, the account is still open and I'm receiving statement emails and online banking confirmations. They have not closed the account even after reporting it as fraudulent.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-03-22
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been repeatedly contacted and harassed and accused of owing money to XXXX XXXX for a membership I never signed up for nor do I know anything about. I have told this law firm ALDOUS & ASSOCIATES this multiple times. I also requested written as well as physical proof of when, where, a witness statement proving that I was ever in any XXXX XXXX location and any paperwork I would have had to have signed and shown my ID to someone so they could verify that it was in fact me who was signing up. They can not provide me with anything other than telling me I owe XXXX some X amount of money. They can't tell on what day this supposedly happened or where or what type of membership or who signed me up. All they gave me was my correct phone number an email address I don't hardly ever use and my address information. All of which is searchable via the internet. This has been happening for over a year now at random. They send me a notice and I respond the same way I call and ask for the information I listed above then they try to get me to verify my info and give them my social and I tell them no. I have never once received a document with a tear off that gives me an opportunity to dispute these claims and when I have asked for XXXX to be sent to me They send me the same payment letter with a tear off requesting my credit card info and offering me 50 % off my original debt amount owed. 
Now they are threatening that my credit report will be damaged until I give them money that I don't owe them or anyone else. I NEVER SIGNED UP FOR A XXXX GYM PASS AT XXXX. 
I made that mistake once with XXXX XXXX in the early XXXX 's and paid that debt off in full back in or around XXXX or XXXX give or take a year on either side that was XXXX years ago. 
I know how the gym membership debt works I have done this before and I paid what I signed up for then and it was never XXXX simple payment of X amount of dollars and at no time do they offer you XXXX XXXX  off your debt owed. 
I feel like this is either a scam or set up. I HAVE BEEN WORKING MY XXXX OFF WORKING ON MY CREDIT SCORE AND THEY BETTER NOT MESS WITH IT OVER SOMETHING I NEVER SIGNED UP FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part XXXX Docket CFPB XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX with Rushmore Loans opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
After several correspondence with Chase Executive Representatives trying to solve this issue with a scam with suitcases I ordered and never received. Chase Bank failed to solve this issue but blamed the Postal Service for stealing my luggage it was the United States Postal Inspection service that solved this scammed in order for me to get my money back. Chase Claims and Executives did not investigated but deducted the monies from, my account stating the merchant who scammed me stated I received the items. I submitted the proof to the Chase claims unit with difficuilty and received my monies back on XX/XX/2023 I received a letter on XX/XX/2023 from the executive office why they declined to refund me monies to me I already received on XXXX XXXX. 
Until I received these letters, I assumed my case was closed. But receiving these letters opened an old would I was trying to heal from. Its apparent that your company need a formal investigation into your Executives and claims departments on how they are investigating and communicating and treating the Bank customers who are investing and entrusting your institution with our monies we work hard for,.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of 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 non-monetary relief
Consumer complaint received 2022-12-17
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
recently my information has been stolen and these are fraud reports.

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 2021-03-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian refuses to delete inaccurate addresses on my report and i am worried it could lead to inaccurate information i have sent them numerous request to have these inaccurate unverified addresses deleted

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- XXXX XXXX- -- - XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I started a dispute with XXXX back in XXXX. XXXX cancelled my account and took down my website domaine immediately. Now in XXXX I log in to my Capital one account to find the charge is back on my account. I spent over 5 calls and two hours with capital one uploading documents for them to tell me its past dispute time and theirs nothing they can do. I contacted XXXX and they sent me a screenshot of my account, said its been cancelled and they refunded my money. Sent that to capital one and they said it didnt matter I dont get the money back because its past the time on dispute. XXXX has not provided me a service or product any longer, said/shown they have sent back the money. Yet, capital one still says they wont remove charge. I have screenshots and documents from XXXX showing they refunded the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting 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:
These accounts and inquiries are not mine they was made without my permission, consent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: LA
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes 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 explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I shopped at XXXX store XXXX in XXXX XXXX, XX/XX/2022. I spent XXXX but my Capitol One card declined the transaction so I had to use my XXXX debit card instead. My Capitol One statement for XXXX showed the XXXX charge. I also got my XXXX bank statement that showed the XXXX for XX/XX/XXXX XXXX called Capitol One and disputed the charge. The charge was removed in XXXX statement XXXX. I had stopped using the Capitol One card but I did use the card XX/XX/2022 online for XXXX. I had a XXXX on my Capitol One account. I sent Capitol One a copy on my receipt that says Capitol One declined the purchase XX/XX/2022. The receipt says another credit card was used. I am sending pictures of my receipt and XXXX bank statement with the charge from XXXX with the XX/XX/2022 charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After contacting XXXX XXXX XXXX XXXX to pay off a closed account, they re-aged the account by reporting it as a second account to Transunion. I have only had one account, a revolving account however the second account is showing as an installment account with an entirely new closing date. I'm aware that re-aging an account is illegal, just as well I'm aware that paying the account does not change the date an account initially went into default. I tried resolving this previously via the dispute process however both Transunion and XXXX XXXX XXXX XXXX deemed the information is right when clearly it is not.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 paid my loan, the creditor went report an inaccurate late payment on my credit report i want them to remove it immediately

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 2021-03-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'd like to formally submit a complaint against Shellpoint services for transferring over my mortgage from XXXX and basically making a mockery of cfpb transfer rules in place in the way they don't follow any of them. 

The attached statement alone shows of the fraud by XXXX. It took 10 years for me to pay off XXXX of loan and get it down to XXXX, and it took Shellpoint and XXXX 2 years you put back on a d even add XXXX. That's fraud. 

Shellpoint had the audacity to even hurry me through a foreclosure and get rid me. Then tried to say my options were modify my loan, at XXXX ( XXXX more than original note ) or sell home to them. 

So let 's start with intial transfer amount. I need thorough explanation on how you can to amounts in the attached 1st statement. Plus how you can just talk on XXXX like nothing you see in the activity of another statement ( also attached ). This is flat out fraud and discrimination for singling me out. 

They are literally showing they can and will do anything they like and those regulating them do not matter at all. If did, they would not be flying off the hinges like this doing whatever they like. I've received no nts for any foreclosure from Shellpoint. No explanation on how they configured amount. I'm just supposed to sit here and take it. Not happening.

I need Shellpoint to 1st explain these transfered amounts. Full explanation. 

Also copy if previous email I went off on them about all this will be attached in the rebuttle as well as screenshots of being in pre forclosure status taken this last XXXX. Not notified by them. I found out by just researching my home online. XXXX has tried to hold me down but now can't. I will come forward with everything. Including all violations by Shellpoint!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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:
On XX/XX/2019 I contacted the Equifax customer care number to dispute the results of their investigation and informing them that the information on my credit report was still showing up as incorrect. The individual I spoke with could not verify my identity through there automated questions. I then asked to speak with a supervisor. Supervisor then tried to verify my identity through the same verification system that I informed her was not recognizing the correct answers I was giving along with the incorrect information that was on my credit report. The supervisor then informed me in order to verify my identity I would need to mail a copy of my driver 's license along with a letter stating my dispute. I told the supervisor they should have other ways to verify someone's identity over the phone without having to use the same exact method a previous person used unsuccessfully. As a result my dispute was not resolved and I was directed to place another dispute through there online dispute form and have to wait another 30 days for them to provide results.

Company response to consumer: Closed with explanation