BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: LEXISNEXIS
State: IL
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - I changed my phone number within my Discover Bank Account online. I received the confirmation email and when I attempted to access my account again it stated that it was locked and to contact customer service. 

I spoke with someone at Discover who informed me that I needed to accept a phone call verification and relay the code to Discover. I successfully obtained the verification code which the Discover employee confirmed was correct. The employee then proceeded to inform me that I needed to submit a photo of my government issued ID or passport along with a photo of my face. 

I told the employee I was not comfortable doing so to which they explained there is no other way. They decided to discontinue helping me and would not assist further in rectifying this situation. I asked to speak with a supervisor which was not granted and I was disconnected, presumably due to my XXXX when I was attempting to rectify this instance. 

I called back and was transferred to the security department to which I asked to speak to another supervisor. I was again denied and told someone would call me back on XX/XX/XXXX to which I have yet to receive a call. 

I am not comfortable allowing companies and their third parties access to images that can be sold and used for fraud. Discover has continual data breaches and does not protect it's consumers or their privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-03-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have trying to get information regarding disputes from Experian. When I do it electronically and via mail. EXPERIAN tells me, the consumer, they will not investigate the matter again. And they will not share the information on how they investigated it.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX, XXXX purchased PHH Mortgage, and I received a notification that PHH would be taking over the processing of my mortgage payments. I was advised that no action was required on my part and that electronic payments and processing would continue as normal. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that my mortgage was 2 months past due. I confirmed with my bank that there was disruption in the automatic withdrawals from my bank account. The most recent bi-monthly payments of {$660.00} and {$660.00} were withdrawn from my bank account on XX/XX/XXXX and XX/XX/XXXX, respectively. Another payment is scheduled for processing on XX/XX/XXXX. Again, I was told that I didn t have to do anything when PHH took over my mortgage from XXXX. I logged in to my account on the new site and I did not see anything describing my mortgage payments as past due. 

I contacted the company by emailing them through their website and received a very weak response. 

Here is the response in full : Dear Mr. XXXX, Thank you for using our email service. 

I understand your concern. Our records indicate that you are set up on bi-weekly payments and the account is current and due for XX/XX/XXXX. The loan was still in the transitioning period. The letter was dated XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. Please be advised we are unable to assess any late fees or negative credit reporting until XX/XX/XXXX so your loan is in good standing and everything is up to date. 

If you have any further questions or concerns, please let us know. 


This demonstrates PHH 's inability to accurately serve its customers, which is a similar problem I had with XXXX. In fact, XXXX adjusted the principal balance on my mortgage as part of a class action settlement in XX/XX/XXXX. Unbelievably, they weren't able to handle that adjustment correctly either, as negative adjustments ( i.e. increases ) to  my principal came on to my account status. I was told these were " errors '' ; I submitted a compliant to the CFPB for this matter previously. I reviewed XXXX 's response and, while I am not certain, I think eventually my principal adjustment was fixed. 

XXXX, and now it's subsidiary PHH, have consistently demonstrated a lack of competence when dealing with its customers. They can not even handle the most basic of situations. I have been paying electronically since my mortgage started in XX/XX/XXXX. I have never missed a payment, never switched banks, or anything like that. Yet, first with XXXX and now with PHH, the companies have demonstrated that they do not deserve the public trust and should be sanctioned and financially punished by the CFPB to motivate them to get their acts together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2020, a XXXX debt was removed from my credit reports. This debt was alledged to be owed to XXXX XXXX XXXX XXXX, upon successfully disputing this debt with the XXXX major credit bureaus, it was removed from those reports. Thereafter, out was reasserted by another company who purchased this erroneous debt. That Company name is XXXX XXXX XXXX. This company does not have the right to report any financial information under my personal information i.e. social security number. 

As well, the law clearly states that reasserted debt is prohibited from reappearing on credit reports and financially impacting consumers livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, is saying that it was a collections/charge off, but I pay in full

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 2023-09-25
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 non-monetary relief
Consumer complaint received 2019-12-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, XXXX, and Experian. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.

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 2023-09-25
Company: TD BANK US HOLDING COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Lewis, McDonnell & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was at XXXX  and someone stole my wallet. The guy took my wallet and took the two checks and atm out of wallet. He got money out somehow and now your company or XXXX  are coming after me knowing this guy had my wallet at the time the money was taken out. Here are the case numbers since he was caught and arrested. XXXX has it on video and there are two case numbers with the sheriff 's department. 

XXXX XXXX  XXXX XXXX I am disputing the charge of XXXX filed by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: McCarthy, Burgess & Wolff, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.

1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Below is the dates and the tracking numbers to the disputes I sent to transunion to delete some accounts and credit inquires that I did not apply for and accounts that aren't mine. Transition has not responded back to me or proved that it was me that applied for credit or accounts. 
XXXXTracking number : XXXX XX/XX/2021 Tracking number : XXXX XX/XX/2021 Tracking number : 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 2019-12-23
Company: EQUIFAX, INC.
State: MI
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:
3rd REQUEST FOR ACTION! 

I recently submitted several complaints to Equifax & XXXX regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking XXXX & Equifax to read the above law by the FCRA and delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have applied to refinance my home mortgage for a lower interest rate. The loan documents submitted to me included another client information. Which is a breach of personal information. I was provided with their loan documents credit history, credit card account numbers and their entire credit history. I contacted the company and spoke with the manager XXXX she acted as if it was no big deal. I want this company investigated to ensure not only MY information is secure but all of their customers information is safe and secure. This is a breach of personal information that could be very harmful to anyone. Their entire life has been comprised and I feel as if my information could have been given out to someone in error.

Company response to consumer: Closed with explanation