BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 an 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 1681 s-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. 


XXXX XXXX XXXX- Account 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/07 I noticed I had fraudulent activity on my account. Someone called acting as me and filed 2 disputes stating I was overpaid by {$990.00}. When I noticed this, I immediately called the bank and noticed that their level of security when calling in is slim to none and anyone can retrieve the required information that they are asking for. Which is account/debit card number, name and street address. I felt like this is the reason why someone was able to fraudulently call and act on my behalf. I asked that more security levels be added onto my account which I was asked a series of questions and gave answers to. When I called back in to check on the status a couple of days later, they asked the same 3 questions with none of the extra security questions being asked. 

Chase is making it very easy for scammers to call in and act on behalf of valued customers. I am now out {$1900.00} due to this lack of security. I should feel secure in the place that I trust to hold mine and my families financial lives in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed this collection account to Credit Bureaus as I am not familiar with this {$1200.00} debt with IC System but they continued to report the account as accurate. That is the reason why I filed a complaint with CFPB. I have full medical coverage reasons why this account should not be showing on my credit report. I am not obligated to pay for this considering this business does not have a contract with me or provide me with any service.

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 2018-07-23
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting 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 2023-09-05
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Just now, on XX/XX/2023, I am in receipt of a taunting, harassing, and wicked message from EdFinancial in the XXXX complaint portal. EdFinancial appears to be celebrating that my {$70.00} payment was applied to the wrong group, a group I never specified as payment. I was very specific, in my selection of online functions, that my payment be applied to my loan group with the highest interest rate, as it relates to the {$70.00} payment and any hypothetical future payments where I may or may not specify my highest interest loan group for payments.

EdFinancial must stop any and all interest from my loans until they resolve this problem by reducing my loan balance in the desired group for payment of the {$70.00}, especially as since this is a problem of their own creation, and since they refuse to behave themselves when communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Dad had bank of the west as a bank he passed away in XX/XX/XXXX, we closed his account in XX/XX/XXXX, the bank was shown a death certificate and since then his phone number has been put in my name, even tho they have taken a copy of my XXXX 's death certificate they call my number and keep leaving messages to contact them, not a person to contact either, I have talked to them and they stated they removed my number from there system, I even blocked them but still receive voice mail, this is harassment and really close to a lawsuit, this needs to stop imeadietly

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
I did not give permission to XXXX XXXX XXXX to run my credit. THEY RAN IT MORE THAN 5 times and hit my report with hard inquiries. I just bought a car from them in XXXX It needs to BE FIXED I demand these hard inquiries be 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 explanation
Consumer complaint received 2020-10-20
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted my mortgage company a few days after my escrow information had come out. i had noticed that they did not adjust my total amount due to accurately reflect my escrow account. they raised my mortgage payment over {$100.00} per month. it was supposed to be fixed by XX/XX/XXXX, XXXX it still had not been fixed as of XX/XX/XXXX, XXXX i have since contacted them 3 times about it and i get no response. now my payment is due and they refuse to do anything about it. i sent them the revised tax bill now 4 times. no response. this company is TERRIBLE.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
Per XXXX XXXX XXXX credit card services this account was supposed to be deleted off all 3 credit 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 non-monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
The is a balance of XXXX on my credit report and trans union did not remove it after putting in a dispute the amount is being reported from an apartment complex they should not be charging me any money

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 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My personal information ( including my social security number, date of birth, and credit history which provides important answers to security questions for identification purposes ) was stolen in the Capital One data breach as a result of the fact that I formerly had a credit card with Capital One. In XX/XX/2019, Capital One received an e-mail link to the stolen data which had been uploaded by the hacker to the website XXXX in XX/XX/2019 ( see Exhibit_A.pdf attached ). Despite this, Capital One continues to misinform the public and, not least of all investors in SEC filings ( see Exhibit_B.pdf attached ), that Capital One does not belief that the stolen data was disseminated by the hacker. 

As a result of the foregoing, in XX/XX/2019, and immediately after the announcement of the data breach, two credit card applications were fraudulently filed electronically with Capital One in my name, and the imposter also ordered a drivers license in my name. When I contacted the Fraud Department at Capital One, they refused to even acknowledge that there was a data breach, and they refused to provide law enforcement with the IP address of the imposter or the physical address ( for mailing the credit cards to XXXX or the phone number provided by the imposter, thereby obstructing justice in the process. It was only through my own hard efforts that I was able to finally obtain this information by myself for providing to law enforcement.

As if this was not enough, Capital One has refused to this day to provide me with free credit monitoring and identity protection, despite the fact that Capital One has also misrepresented to investors in SEC filings ( Exhbit_B.pdf ) that it will do so and, despite that fact that I e-mailed the CEO, CFO, and General Counsel at Capital One regarding all of the aforementioned matters. Among other things, I have had to incur the expense of paying for XXXX XXXX Ulitmate Plus as a direct and proximate result of the above wrongful conduct by Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hey, on XXXX I order 3 stethoscopes form home Depot for my school, in same day they send me an email that one of the 3 items have been canceled, after one week they sent me another email to go to Home Depot and pick one of the 2 stethoscopes, and that second one wont be arrive until late XXXX ; because I needed it on that semester ; I called and I canceled the order ; the sales representative ensured me that order been cancelled. At the end of the month I went to Home Depot and I paid for the one I picked up ( the only one I received ). After 3 months they sent me a letter stating that third stethoscope the one I cancel it wasnt cancelled and they kept charging me XXXX $ fees every months. I called the credit card company /Home Depots for hours and days trying to resolve this issue ... no one seem to care. now they asking to either pay or they will send it to the collection agency. I felt I have been scammed ... paying for something I didnt received. I am very responsible person I pay woman I paid my dues on time and work so hard for my money .I have the emails/ payment to back up everything I said ... .. please I need help resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I sent Midland Credit Management a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$610.00}. They keep reporting it each month too as a new collection. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to file a complaint against XXXX, XXXX and Experian regarding XXXX XXXX. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or XXXX through Bankruptcy XXXX XXXX. '' I would like for XXXX, XXXX and Experian to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a zero balance but I want proof of the account or I want it removed from 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 2019-10-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since of XX/XX/XXXX i have been trying to ASSUME my father 's mortgage after he pass away. 
Mr. cooper restricting me from to instead trying to sell my father home against the law I have the right to assume the mortgage loan under XXXX XXXX and this Agency rules saids I do under the new regulation since of XXXX. 
I have given Mr. Cooper all the proof I need to show Im a heir beneficiary and they say they need more proof now say they need a will when I gave them the probate documents Im the heir and beneficiary and death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 sent a letter on XX/XX/2022, to remove this account that is UNKNOWN to me. I came across this law XXXX and according to the XXXX FCRA XXXX XXXX XXXX XXXX XXXX ) you are required to remove/block any account not later than XXXX XXXX XXXX  Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Balance : {$55.00} XXXX XXXX  XXXX Balance : {$25.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation