BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have sent numerous letters to XXXX, Transunion and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from XXXX, TransUnion or XXXX. I want these late payments and inquires removed because XXXX, TransUnion and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.

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 2020-04-29
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: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX, Transunion, XXXX, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This loan company has giving me the run around about helping me with Modification from the beginning, I got divorced and the court assigned the home to me, I got behind on payments because my exhusband refused to help me in good terms, I had totake him to court to obtain help and that took months and i was told by the loan company apply for modification, I have send 3 applications and they keep denying it, every time they give me a different reason, just today again they told me because of a modification back on 2011, if that is the reason why they didn't see that at the beginning when I fist applied, I am not on the Loan but I am the person paying and living in the property, I did explained my situation that when I first got behind a payment my ex husband didn't want to speak to them about any kind of assistance, he told me that he didn't want nothing to do with the house and I was on my own, he refused to speak to them, The loan company told me that he was the only one that can request help, my foreclosure is suspended now because of the Corona Virus but after this passes I still need the help, can you please help, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: NC
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 sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called me on XX/XX/2020 at XXXX XXXX PST. When I answered, the other line " rang '' and was picked up by " XXXX '' from " CCS. '' Refused to identify themselves as debt collector, but said " business matter. '' I said, " if this is a debt collector, do not call me again. '' He asked, " Why is that? '' I said because I don't have to answer any of his f*ing questions, and he said, " OOOOOOOoooooooooooo. '' I said, I will report you. XXXX said, " Ohhhhh kay, so what's my phone number then? '' I hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2017-11-09
Company: National Check Resolution Inc.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Check Resolution Inc . 
XXXX XXXX XXXX had represented in XXXX XXXX that they were a sovereign entity ( XXXX lender ) wholly owned and operated by the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX. The impression is that the company is licensed to do business in states where they have no license, as they are not subject to the state laws. This was sent to Washington XXXX which returned a decision that only the original {$1000.00} needed to be repaid, no fees or interest. Contact from National Check Resolution started XXXX XXXX, XXXX. With 2 calls : home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX 2 more calls : Home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX another call home ; XXXX XXXX. That is 5 calls in 3 days. They are claiming that the loan is valid, and have stated that, " the client has stated that you still do not respond to several notices that were sent to your residence. The file has been forwarded to our office for final recommendation prior to being processed on ( First was XXXX, Second was XXXX ). You do have a legal right to resolve your case. If you choose, yourself or your attorney can contact our claimants office at XXXX. '' On this I am not sure as to what the processing would be, and the second is that the records, if indeed a case might be, are not kept properly. This to me appears a scam as to the two different days as well as the threat of processing. Also to note, the last notice regarding anything on this was from Washington State XXXX as to XXXX XXXX not having a valid license in Washington State, and the amount to be repaid could not exceed the {$1000.00}. So as no notices, and the fact of the different dates, I do believe this may be a Phantom Collection. 
I have verbally told them not to call again until I get the Validation letter in the US Mail. They in return told me they would call back XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: VA
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:
Thank you for your help in advance. I had a personal loan with XXXX XXXX. XXXX XXXX reported a late payment on XX/XX/XXXX. I submitted an online dispute to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Experian Customer Service on XX/XX/XXXX reference case number XXXX. I uploaded a copy of my bank statement to Experian dispute center, report # XXXX to reflect payment was made on XX/XX/XXXX in the amount of {$97.00} along with a copy of my XXXX XXXX XXXX ; reporting my payments current. Experian did not update 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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-04-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX, 2020, I purchased an open-loop visa gift card from XXXX 's grocery store. The Visa gift card is issued by US Bank National Association. The card failed activation and appeared to be tampered with. When I called to report the card tampered, I was told that funds would be frozen and a new card issued to me. The new, personalized replacement card arrived on XXXX XXXX, 2020. When the new card arrived, the balance in the XXXX stated " your balance is XXXX dollars. '' I checked the card activity and purchases were made 100+ miles from my home on XXXX XXXX, 2020. The card had been tampered with, and someone who gained unauthorized access to the card drained the funds that were supposed to have been frozen by US Bank. 

I have called the phone number on the card at least 25 times. I have received a pick up from a human being to assist with this problem only twice. Both times, the system automatically hung up on me either during " transfer to the appropriate department '' or while the CSR was speaking to me. In both cases, the time holding before a human picked up the line was 6 minutes or more. In at least 5 cases, I have been on hold for 5-10 minutes only to be hung up on by the system. On at least 10 occasions, I have had what seemed like someone pick up on the other end of the line, but I can not hear anyone speaking -- just a static sound as if I were listening to someone's cell phone inside their pockets. 

US Bank irresponsibly failed to freeze the funds on my card when it was reported, and now it is impossible to speak with someone to put in a dispute for the funds to be returned. As a result, I am seeking help from the CFPB.

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 2020-04-27
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX  XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}

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 2021-10-16
Company: DISCOVER BANK
State: CA
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/2018, a fraudulent money transfer in my name, using my Discover Bank debit card through XXXX ( affiliated with XXXX ) was conducted in the amount of {$860.00}. I immediately called both XXXX and Discover Bank to file the fraud and, in the case of Discover, freeze my debit card and account. XXXX could do nothing and directed me to talk to the fraud department at my bank ( Discover ). I did so, and Discover closed the original account and open a new one, initially returning the stolen funds while they investigated. Proof of the original fraudulent transaction is in XXXX. 

The next correspondence happened on XX/XX/2018, where Discover Bank reversed the temporary credit and took the money back. I called them to dispute this, but they said there was nothing they could do about it and claimed their investigation had not confirmed my fraud report. ( proof of funds removed is in XXXX ). 

I recently heard about the cfpb complaint process and I am taking action now to have this claim addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I have tried multiple times to dispute the XXXX XXXX XXXX account on my credt report. I have asked during every single investigation for proof that it is in fact my account. I need my signature showing it is mine on anything. I have XXXX & was going through multiple XXXX XXXX at the time the company says it was open and being used. I could not have. I had a XXXX. They have yet to produce any significant proof of signatures. I would gladly pay if it were mine. It is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

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 2021-11-05
Company: GOLDMAN SACHS BANK USA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting misleading information on GOLDMAN SACHS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Review this reporting by making a revision of the information provided. Adjust and process any corrections or deleted this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX XXXX XXXX refunded me my purchase of a ticket for customer service issues. NAVY FEDERAL CREDIT UNION has yet to issue me a check for the funds from the credit back to my closed account. This is the same account whom they contacted you the CFPB, and told you that they credited a XXXX USD credit back to my account and waived it and told you my account was officially closed. This credit was issued back to my account shortly after NAVY FEDERAL CREDIT UNION issued a message to the CFPB about this same account being officially closed with me owing them NOTHING. I contacted them on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time they told me debit card services processed the check and sent it out and the truth was THEY NEVER SENT IT OUT. I am writing for them to be required to send it out because they don't have any reason to hold my check and they even told the CFPB this in there statement in response to my previous complaint last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX has and is reporting inaccurate information on reports from XXXX, transunion, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.

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 2019-10-09
Company: General Motors Financial Company, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: MI
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, 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 status incorrect

Complaint:
I have a car lease with XXXX XXXX XXXX XXXX XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my Equifax regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I have a car lease with JP Morgan Chase Bank Auto Finance. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my XXXX regarding the same JP morgan Auto Finance account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with Chase Auto Finance.

Company response to consumer: Closed with non-monetary relief