BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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: Account status incorrect

Complaint:
in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX acct # XXXX In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurato on my credit report The Crodit bureaus stated my account was property investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accuraso. This ground for removal thay also violated my rights under 15 U.S.C 1681 soction 602 A. Statos I havo tho righl to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agony 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 explanation
Consumer complaint received 2018-12-12
Company: JPMORGAN CHASE & CO.
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: Personal information incorrect

Complaint:
I have two credit cards by chase bank. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX & 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 2019-09-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Funding, LLC representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$3100.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I submitted information to SPS ( Select Portfolio Servicing ) that my property had over paid XXXX XXXX XXXX for the following years : XXXX {$960.00}, XXXX - XXXX, & XXXX - XXXX. 

I requested that they send me a letter stating the following so that I could submit to the XXXX XXXX XXXX office for a refund. 

Please provide a complete copy of all XXXX XXXX History on my account. XXXX XXXX has overcharged my property because the XXXX XXXX deduction was not applied. 

Because ( SPS ) my mortgage company paid my taxes, the XXXX and XXXX XXXX Collector is requesting verification of payments. The letter must be on your letterhead and contain the following information : The letter must be on your letterhead and contain the following information : Homeowners Name : Property Address, Property Tax Account Number, Mortgage Company Account, Amount of XXXX XXXX Taxes Paid Year : XXXX, XXXX, and XXXX Physical Mailing Address of ( SPS ) Mortgage Company : ________ I contacted ( SPS ) XX/XX/XXXX, and they said they never received an over payment check for my escrow account. They requested I contact XXXX Taxes to request the USPS tracking number. On XX/XX/XXXX I contacted ( SPS ) provided them the XXXX XXXX Check #, the Amount {$2800.00}, again, and the USPS Tracking number. Once I provided this information, on Friday, XX/XX/XXXX, ( SPS ) said they had received the check, but XXXX XXXX Tax office did not include what account it should be applied to. Therefore, they were sending a letter to XXXX XXXX requesting additional information. I could not understand their rationale because I had provided ( SPS ) all the information pertaining to my mortgage account and that the refund amount that was coming. So, I contacted XXXX XXXX Tax office and they informed me that the check had all the proper attachments and apparently the ( SPS ) separated the information upon receiving it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XX/XX/2022 I filed XXXX XXXX Bankruptcy. I wanted to keep my vehicle so it was excluded in the XXXX XXXX. I attempted to make payments during the period before the discharge but the lender would not accept payments until after the discharged. On the Transunion credit report it is reporting 120 days late. That is not correct.

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 2018-03-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I never used this account. There should never have been any 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 2022-01-06
Company: Experian Information Solutions Inc.
State: CA
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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1400XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02
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: Reporting company used your report improperly

Complaint:
n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXXXXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-09-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: CA
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:
Invalidated/unauthorized inquiry Results of the Equifax data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Investigation took more than 30 days

Complaint:
I have a home equity loan with XXXX with servicing done by XXXX XXXX. They are incorrrectly reporting to the credit bureaus that I have an open {$100000.00} credit line. In fact, the credit line is closed and no longer available. This is having a severly negative impact on my credit score as it shows outstanding revolving credit debt when this is not the case. 
I contacted the company numerous times by phone and their website. In XX/XX/2020 I sent a letter to their general counsel at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX account number XXXX Her assistant in the executive resolution department contacted me numerous times in an attempt to resolve the situation. She fully understood the issue and the impact on my credit score. But despite numerous attempts, she was unable to resolve or determine why this information was being incorrectly reported. She advised that the best they could do was to provide a commentary which is now in my credit reports, but the false information continues to be reported. Credit score calculations ignore commentary and only look at the raw data so this did not solve the issue. 
It is my position that just because a mortgage servicer can not resolve a false reporting issue with their own systems, it is not appropriate to continue reporting false information. 
My contact information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2019-09-16
Company: Trident Asset Management, L.L.C.
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:
I've been disputing this XXXX Account with XXXX for 2 years and explaining to them that my identity was used fraudulently by a family member. I've sent in copies of my police report on numerous occasions showing this and they in fact verified they received my information to confirm that my identity had been used fraudulently. They FLAT OUT REFUSE TO REMOVE IT FROM MY CREDIT FILE. I've called, sent in certified mail and done regular mail and NO REMOVAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any notice that of the debt because the collection company was sending notices to an address that I did not live at anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: 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 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 these 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 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 non-monetary relief
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I attempted to reach out to transunion to dispute a slew of credit inquiries that are reporting on my credit file inaccurately or in complete error. However their customer service would not assist in deleting the negative remarks for the below inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Thank you

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 2021-08-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of XX/XX/XXXX, my close friend XXXX flew on XXXX XXXX from XXXX to XXXX XXXX and back. During the flight, the flight attendants were handing out applications for the XXXX XXXX XXXX XXXX XXXX Mastercard, which offered {$0.00} intro annual card fee for the first year and XXXX bonus miles, if you made a small purchase within 90 days. XXXX took one for himself and one for me ( XXXX ). The flight attendant said this was okay. Once you filled the application out, you could hand it to the flight attendant or mail it in or do the same online. XXXX decided to do it online, but there was no box to enter the promotional code from the application he was handed. The credit card company rejected his application because they claimed they could not verify his identity - even though he had just gone through the security checks at XXXX 's and XXXX XXXX XXXX  airports security check points with proof of negative covid tests. His XXXX XXXX Acct. # XXXX. 
When I applied, I ran into the same problem online - no promotional box to enter the promo code - they approved my application and sent me a credit card. I made a small {$20.00} purchase with it to get the XXXX miles. Instead of what was offered on the in flight card application, I received no miles and was charged a {$99.00} annual fee. I contacted customer service, explained the problem and gave them the promo code I had. They advised me to go ahead and pay the monthly fee until this was resolved. Several weeks later, I received a letter from them stating that they wouldn't help me with the " Rewards Issue ''. Now, I am stuck with a credit card I do not really need, no XXXX bonus miles and a $ XXXX  yearly credit card fee.

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 2022-11-04
Company: Chime Financial Inc
State: MN
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:
on XX/XX/2022 i reported to my bank chime that i got hacked and that my phone and all my cards got stolen the day of XXXX i made a police report and sent all information to chime through email even all of the evidence that my XXXX page was hack and money from my account was getting sent to people that i didn't authorize i explained this to them for 3 days and i still didn't receive any help from chime they kept emailing me that they didn't see any errors on my account then on XX/XX/2022 i found out that they lock my account and stated that detected usually activate on my account and emailed me that i had to send verification of my id and a picture of me with my id to supportatchime.com through email because when i tried to login and do it through the app it wasn't working so when they emailed me i sent all proof to them as they stated and then on XX/XX/2022 they emailed me aging and ask me to send all my proof to them aging but this time they wanted my id and another picture of me with my id and a piece of mail with my name and address i didn't understand why they needed more information just to unlock my account so i called them and ask if i can speak with a manger to ask them why did i have to keep sending my information when i already sent it they act like they couldn't answer my question so i ask them to close my account down because i feel as if they might be a part of the fraudulent activity the manger told me it will take approximately XXXX business days just to close my account they didn't help me get my money back they told me it wasn't any errors that accrued on my account but they locked it due to unusually activity on my account none of this made since to me i lost out on XXXX dollars do to scamming and people who hacked me i couldn't pay my rent i couldn't pay my bills for water and gas and electricity do to all of this activity that has happen and I'm going through a life XXXX and i need help and support for my identity and my money that was stolen from me i have all the information if needed i have my police report i have all the emails i have all the evidence that i was hacked i have everything but no one is willing to help me to resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail a few days ago, from a company ( Collection Agency name Jefferson Capital Systems LLC. Located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. ) ( XXXX or XXXX ). 
They claim I owe XXXX an amount of ( {$27.00} ). They wanted me to confirm my personal information, ( ie name, addresses, and the last 4 of my # SS ) which I did. The young man I spoke with his name is ( XXXX  direct number XXXX ). I disputed their claim, and advise that I will contact XXXX directly to inquire. Upon contacting XXXX, ( XXXX XXXX ) they confirm that I owe them nothing and that this company or person is fishing to gather personal information. They advise to discontinue and disregard any and all communication with this ( Agency ). They recommend reaching out to you. 

Thanks, XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Recently I did an investigation on my credit which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items! 
I have communicated with the reporting agency and told that these things were not accurate information.

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