BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
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 company, continues to maliciously, inaccurately, and illegally report this bogus collection to equifax. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Adler Wallach & Associates, 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: Personal information incorrect

Complaint:
Incorrect spelling of name, wrong address, saying account is open with a balance in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PER REPORT XX/XX/2019, TRANSUNION I have continued to report this to the CFPB and nothing happens. TransUnion and XXXX continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD

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 2018-02-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've reported them to the BBB twice for their repeated & unwelcome solicitations. It stops for a few months then they go hire another illegal marketing firm to send more solicitations to nameless addresses to drum up business for their XXXX co.! They keep hiring illegal co. 's to buy my addresses & solicit me for accounts I have no interest in! I've done business with them in the past, they proved to not be worth it because their branch lines are slow, the terms aren't made clear on many things & complaints are not handled well. They just say " I'm sorry you feel that way '', that's all they know! I closed my accounts a year or more ago & refuse to have anything to do with them. Yet every so many months I keep getting their stupid solicitations that I didn't ask for nor did I give anyone permission to randomly use my address without my knowledge that includes the illegal marketing co. 's they & so many other XXXX business owners keep hiring! I received 2 of those begging solicitations onXX/XX/XXXX & XX/XX/XXXX. What part of leave me alone is just not clear to them?! They need to know the info they're purchasing was done without the knowledge of consumers! Chase is on every corner. If we want to do business with them then we know how to find them! Otherwise if we haven't opened up an account then that means we don't want to! Get the hint & leave us be! They are the ONLY bank offering consumers $ $ to open accounts on unreasonable terms! I don't know anyone that has the kind of $ $ to throw into a savings account that they are asking for! They're unrealistic & insane! If you have to pay people to open accounts what does that say about your business model? I've not seen any bank do this before. I'm a happy XXXX XXXX customer & intend to keep it that way! They've done right by me & don't send me unwelcome solicitations via email or any other way. XXXX is the only pesky bank out there bothering people & it's because they know they XXXX! So does their horrible CEO!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a foreclosre sale coming up on XX/XX/2018 and Select portfolio is snot removing the sale which will be in violation of my Home Owner Bill of Rights. Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over three years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification. 
Even when Making Home Affordable program was in use in the U.S the  company still prolonged the process for us and never gave us any offers or options through the program until it expired by the government. This is deceptive ways to get the borrower out and not to give them the loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: GREAT LAKES
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: Old information reappears or never goes away

Complaint:
My student loans should be in income based repayment status, but Great Lakes refuses to update. Each time I call to get this corrected or request additional information - I am told to have my attorney reach out. I do not have an attorney and have advised Great Lakes of this on multiple occasions. I am not in bankruptcy and do not have an attorney. I mailed in my IBR recertification over a month ago and Great Lakes acknowledged receipt. 

What they are doing is unlawful and predatory. They're unwillingness to update account to {$0.00} payment in income based repayment is costing me multiple months towards my repayment calculator. 

I again spoke with XXXX ID # XXXX today and nothing changed. This company needs to be investigated and a class action consumer lawsuit filed due to their illegal ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 I, XXXX XXXX, consumer, and natural person, I am aware of all my rights that I have, and are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have also filed a complaint over 30 days ago to have accuracy issues as the accounts are STILL not reporting my information correct after there update and have given them 30 days per 15 USC 1681. I am not requesting that these accounts be removed immediately from my account unless you want to be held {$1000.00} per violation. THESE ACCOUNTS ARE SHOWING INCORRECT INFORMATON Accounts still committing violations per 15 USC 1681 after investigation : Account Name : XXXX XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : US DEPT OF EDUCATIONXXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, 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 2022-08-30
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On the day of XXXX XXXX, I revived hard Inquiry alert of Wayfair/Citibank on my credit report. I never ever once authorized the company Wayfair/Citibank to check my personal credit information. I did not apply for this credit card EVER. No desire whats so ever to even have an account with this company. I soon realized i was a victim of identity theft for I started seeing I had more and more hard inquiries from different companies that I never even applied for!. Now I immediately called Wayfair to tell them, that the account was not mine and that I never authorized the account in the first place. They closed it and marked it has card lost or stolen they were very neglectful to the fact the the account was opened fraudulently with my personal information!. I wrote a dispute letter on the month of XX/XX/2022, to one of the Three major credit reporting companies reporting inaccurate information about the account Wayfair/Citibank for they are reporting that I still owe a balance even tho the account is closed. These company Wayfair/Citibank has been harassing me about the balance even though it was opened fraudulently with my personal information they are claiming I am fully responsible for the balance on it. I provided my FTC report my local Police report and all my Proof I had about this very stressful matter In the dispute letter I mailed out. Iv calling the company Wayfair/Citibank and I get no help whats so ever they dismiss me all the time.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called transunion in regards to their accidental deletion of credit inquiries and the inquires being put back. Im understanding that once deleted that they are not able to be put back in my record.

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 2022-08-30
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter dated XX/XX/XXXX stating that the service of our loan with UWM ( United Wholesale Mortgage ) was being transferred to XXXX XXXX  XXXX XXXX XXXX XXXX. Unfortunately, we did not receive this notice until Friday XX/XX/XXXX and the start date for transfer was to be XX/XX/XXXX. This not only did not provide us with the full fifteen ( 15 ) days advance notice before the transfer would go into effect, and it did not allow us time to dispute with UWM the transfer and our concerns regarding the new service agent. Having the full 15 days prior to the transfer date would have been beneficial for us to research this new service agent more fully because we were already aware of the complaint of fraud filed in XXXX of XXXX against XXXX and the stipulated judgement and order for {>= $1,000,000} to borrowers and {$1.00} XXXX to cfpb. We want a reputable loan service company to service our loan. XXXX isn't even accredited with the XXXX  and has an approval rating of 1 out of 5 stars. UWM is at fault for this lack on their part to notify borrowers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 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 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 2022-08-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have 2 Diner 's Club XXXX accounts. One is a corporate Diner 's Club XXXX account. The other is a personal Diner 's Club XXXX. Both credit cards are administered by the BMO XXXX XXXX. Over the years, I have almost never used my personal Diner 's Club XXXX. When I checked my credit report a few months ago, I learned that BMO XXXX XXXX had reported to a credit agency that I was delinquent in paying a balance on my personal Diner 's Club XXXX. When I contacted BMO on or about XX/XX/XXXX about the alleged delinquencies, I was told there were 2 charges for XXXX 's on or about XX/XX/XXXX for {$860.00} and {$1500.00}, respectively. I told the BMO representatives that I did not make those charges to my card and they are fraudulent and I requested they remove the charges and all of the penalties and interest that had accrued. I asked them to review the history of transactions on my personal Diner 's Club XXXX and they could see there have been very few transactions because it is a card I have rarely used over the years. I don't believe I charged anything to my personal Diner 's Club XXXX in XXXX. I also informed BMO 's representatives that my address changed slightly ( I changed apartments in the same building ) in XX/XX/XXXX, so I didn't receive any paper statements in the mail about the 2 XXXX 's transactions, and I haven't been able to electronically access to BMO 's website to review the statements. I spoke with BMO representatives in several additional subsequent calls, once in late XX/XX/XXXX, once on XX/XX/XXXX, and several times today on XX/XX/XXXX. BMO has told me that my personal Diner 's Club account was " charged off '' in XXXX, so they can not give me electronic access to my account. BMO also said they can not review the 2 fraudulent transactions because we are outside the 100 days of the transaction, per XXXX. This is untenable. I didn't have notice of the fraudulent transactions, so I was not able to timely dispute them. I asked BMO today to send me a copy of my statement showing the fraudulent transactions and they said they would e-mail it to me tomorrow.

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 2020-02-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX  XXXX  EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX =THIS ITEMED IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO XXXX   XXXX   XXXX XXXX  XXXX  XXXX  I REQUEST THAT MY BANKRUPTCY BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am on XXXX XXXX XXXX  status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : 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 2017-06-21
Company: Experian Information Solutions Inc.
State: NC
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 submitted an online request to remove the automobile inquires on my credit report. I sent letters to the credit bureau and was told to contact the actual company. One agent stated they would not hurt my credit report which shows it does. I cosigned for a car but only for authorized XXXX XXXX and XXXX XXXX XXXX XXXX since we have accounts their.

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