BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a certified letter to Transunion for the removal of unauthorized inquiries and Transunion did not respond in the 30 days outlined in the law. 
I received a response on XX/XX/2019 complaint XXXX # XXXX I requested Transunion investigate the fraudulent inquiries on my account that cause me to place a fraud alert on my reports on all three credit bureaus for unusual activity. 

Inquiries I requested for removal in XX/XX/XXXX letter are : 1 ). XXXX  XXXX. 
2 ). XXXX XXXX XXXX XXXX 
3 ). XXXX XXXX XXXX Even after submitting a direct letter from XXXX   XXXX XXXX stating for the record that they believe the inquiry with fraudulent and will request it to be removed on all credit bureaus reports. 

XXXX  immediately removed XXXX XXXX XXXX after acknowledging the letter. 

Transunion has yet to acknowledge this direct notification and remain to allow this fraudulent inquiry to impact my credit profile.

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 2019-02-03
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ive own my home for 9 years and the payment has been ridiculous because of the pmi. 2years ago i had a conversation with lender about getting the pmi removed and they told me over the phone that XX/XX/2018 it would drop off. It has not and cost me XXXX extra a month. All they do is deny any conversation when i had written everything down the day of the conversation. Ive always been on time wth payments just seems as if my balance never moves. PMI is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
XXXX Experian Sudden dropped XXXX points of existing posted FICO Credit Score without reason, validity of action XXXX Suddenly without reason, validity and assuredly non-recklessness by consumer Experian deleted/removed FICO Credit Score from consumers credit profile ( To date XXXX XX/XX/XXXX Experian have NOT and will not restore ) XXXX Consumer fighting XXXX third time - Yes XXXX time XXXX XXXX correspondence to Experian XXXX XXXX correspondence to CFPB XXXX XX/XX/XXXX Consumer emailed XXXX XXXX - Experian XXXX XXXX XXXX XXXX XX/XX/XXXX voice message from XXXX XXXX, Experian XXXX he left same generic format as previous - NOT addressing or resolving the compliant XXXX XX/XX/XXXX consumer emailed XXXX XXXX with detailed and certified its contents to be as occurred to date is true. To date no reply or follow up after my detailed email. 
XXXX XX/XX/XXXX Consumer mailed complaint to FTC XXXX XX/XX/XXXX consumer filed compliant with CFPB XXXX XXXX XX/XX/XXXX or so once again Experian sent generic response did not address, amend, correct the sudden deletion/removal of Consumer 's FICO Credit Score - and they closed case ( lol )

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 2021-06-10
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX  ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2021-10-28
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS account records previously submitted in a response to my CFPB complaints of Spring and Summer XXXX, shows 90 % of the direct mortgage payments I submitted to the agency went into unapplied funds. 

SLS has a history of treating me, a XXXX, single, XXXX nurse and veteran with contempt. Indeed, I have suffered from XXXX verbal abuse and a consistent pattern of structural racism making homeownership difficult for myself as a XXXX women.Yet the current intentional misapplication and theft of my {$850.00} partial mortgage payment from XXXX of XXXX, is another illustration of how this company persists in stealing from hardworking homeowners. 

Specialized Loan Servicing took my XXXX, XXXX partial mortgage payment and applied it to the principal without my knowledge, intention or permission. 

Attached is a document from SLS showing that a payment of {$850.00} was made to principal and interest, although {$790.00} of this was from a partial mortgage payment made in XX/XX/XXXX. Bank statement enclosed with transaction.

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 2019-10-12
Company: Byrider Franchising, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a car loan with CNAC in XXXX, LA and there were some legal issues with them and I was required to start making payments to XXXX XXXX XXXX  in XXXX XXXX, LA. I started making those payments to XXXX XXXX on XX/XX/XXXX and since then my credit CNAC has not been posting that my payments have been made. My credit report shows I am 30-59 days late currently and that is incorrect. This still stands are a dispute with XXXX. I have made all my payments in a timely manner. I have all payment receipts from XXXX XXXX XXXX  in email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX 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 a 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 2017-10-01
Company: WELLS FARGO & COMPANY
State: NY
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:
Someone open or apply for a credit card from Wells Fargo for XXXX} and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account

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 2017-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
original complaint XXXX # XXXX have tried to contact with XXXX XXXX XXXX XXXX constant stall tactics. Now Portfolio Recovery Associates is suing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase credit claims to offer fraud protection. I have a chase card I use for business only. In XXXX and early XXXX of 2022, I discovered XXXX  charges for XXXX items fraudulently charged to my card, I called Chase and they assured me I would not be responsible for the charges. My card was canceled and reissued. A month later, Chase put back all of the charges on my card except for one. They claimed I benefited from the transactions except for one of the XXXX. I was stonewalled by Chase and rudely told to take up my case with XXXX. I do not even have an account with XXXX!, When I contacted XXXX, they informed me that they could not help me because a dispute case was opened outside of XXXX, They also indicated that they do not mention that I benefitted from a transaction, so it appears that Chase is deceiving their customers and blocking recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Unable to connect to a third party application to review my spending habits and ways I can save money. App is called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: WA
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:
Good evening, I hope all is well. I am filing a formal complaint against the credit reporting agency that is identified as " Equifax Inc. ''. 

By their own admission, Equifax has stated that they have issued wrong credit scores for millions of consumers. My consumer report has recently been reviewed, which informs me that they have my personal information in order to furnish such a report. Per 15 USC 1681A ( 3 ), Equifax does not have my permission nor my consent to furnish anything on my consumer report. Per 15 USC 1681A ( 4 ), they also did not exercise grave responsibility to ensure that my privacy was maintained. This is evident due to the fact that my personal information, which includes but is not limited to - name, social security identification number, etc. is included in the consumer report. 

This has given Equifax not only the ability to allow identity theft and fraudulent actions to occur on my consumer report, but they have also willingly accepted information that they believe belonged to me without first contacting me personally to ensure that the information was valid and true. I demand that all items furnished on my consumer report be removed, and that Equifax be held accountable and pay for damages that not only contributed to defamation of my name and credit due to them being a major credit reporting agency, but they pay for all inaccuracies that were furnished on my report. Itemized line items will be provided to Equifax during the resolution process in order to completely clear my consumer report of all inaccuracies. 

The Attorney General will be contacted as well, to ensure that all avenues of rectification are obtained. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
Please remove these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with XXXX demands.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

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 2017-10-01
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX t is a collection agency in XXXX XXXX, PA, and has reported three medical collections to the credit bureaus that I do not owe : 1 ) Reported opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 2 ) Reported opened XX/XX/XXXX {$20.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 3 ) Reported opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX This is the exact information reported on my XX/XX/XXXX XXXX credit report ( no full account numbers or name of original creditor ), and I have confirmed with all my doctors that I owe no money. I pay every single medical expense at time of service and have never left an appointment owing any money, period. I have never received anything in the mail from " '' XXXX XXXX '' or any medical provider, nor have I ever received a phone call. It is preposterous that completely false information can be reported to credit bureaus, especially without any details as to where the alleged debt originated. I am contacting my representatives and the Delaware Attorney General 's Office, where I am currently employed, to find out why this is legal and this company can get away with this. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: OR
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 collection listed for XXXX XXXX XXXX, this debt was reported before litigation was finished. When we appeared in court we settled payed what we had due and it was agreed that this debt would be removed from our report, it has not been nor does it reflect as paid, I have disputed this with documentation and contacted the creditor. Creditor claims it is Experian who will not update

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 2021-05-10
Company: Southwest Collection Services, LLC
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 status incorrect

Complaint:
I submitted a a dispute to XXXX I contacted Southwest medical collection agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. Southwest collections was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.

Company response to consumer: Closed with explanation