BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX County Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : 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 2023-01-03
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 information incorrect

Complaint:
THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS XXXX, TRANSUNION AND 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 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 XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2023-06-26
Company: CMRE Financial Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My bill was reported to access said they gon na to take care of medical bill, they never did a 3 rd company never told me never address me nothing about they bill they medical company did do nothing about it .I was told this was paid off all ready and my credit is bad and no 3rd company 's don't have my authorization about this only bill on my credit report they are fake and this bill needs off my credit report thank you XXXX XXXX a 3rd company has my bill and is fake, no rights my bill is over 145 days and 2 company 's 3rd party has my bill no rights and this a medical bill was taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: JFQ Lending, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - I asked JFQ not to start my loan process on XX/XX/XXXX after he gave an origination cost of 3.5 % point and a high loan closing cost on XX/XX/XXXX while other bankers quoted me of a 1 % - 2 % of origination cost. 

XX/XX/XXXX - I sent him another email to reassure that the origination cost he quoted was too high and not to process my loan. 

XX/XX/XXXX - ignoring all my requests, JFQ sent me an email that " your loan is now underwriting ' in email. I responded to the email " how? '' I did not authorize the process and I did not put down the downpayment for the appraisal. 

XX/XX/XXXX -- I did not hear from him so I sent him an email again not to process mine on XX/XX/XXXX. But he keeps moving with my loan process ignoring me even though I did not make the downpayment for the process for the appraisal. Because of JFQ 's unauthorized process, XXXX can't process my loan. 

XX/XX/XXXX - JFQ continually ignored me and processed my loan. They sent me another email that " I was conditionally approved '. 

XX/XX/XXXX - JFQ asked me appraisal payment. I sent an email again to stop. 

XX/XX/XXXX - XXXX XXXX reported me that they can't process my loan because of JFQ is in the process of my refinancing loan and requested my title. 

XX/XX/XXXX -- I contacted XXXX XXXX at JFQ again to stop using my info for the unauthorized my mortgage process and to remove my info completely from JFQ 's database. He replied with the following manner. XXXX XXXX : I've withdrawn your loan earlier this week. When did XXXX come in the picture? Lol I thought you were moving forward with the other no name bank? '' XX/XX/XXXX - JFQ contacted my company for employment verification. 

XX/XX/XXXX - JFQ sent me another email again and requested an appraisal payment. 

XX/XX/XXXX - XXXX XXXX reported me again that they were not able to process my loan because JFQ is processing my loan. 

XX/XX/XXXX - Again, I sent an email to JFQ to stop blocking XXXX XXXX 's my refinancing process. 

XX/XX/XXXX - JFQ urged an appraisal payment again. 

XX/XX/XXXX - JFQ assured me they are removing my info from their database. 

XX/XX/XXXX - XXXX XXXX reported me again that they are not able to process my loan due to JFQ processing my loan. 

JFQ committed serious violations of multiple occasions. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions 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:
Remove the frauds Alerts And inquiries from my credit profile. 


I never asked to have a fraud alert placed on my credit profile. I only asked That the following unauthorized inquiries be removed from my credit profile!!!! 

REMOVAL ALL FRAUD ALERTS FROM MY PROFILE!!!!!! 
IT IS HURTING MY CREDIT I CAN NOT USE MY CREDIT CARDS!!!!!! 


remove the following inquiries from my credit profile Hard Inquiries XXXX XXXX bod XXXX ss # 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 2020-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
For a few years I have been going back and forth with Experian about a public record listed on my credit report. Each time they say XXXX XXXX XXXX provided the information to them. I have contacted XXXX multiple times and multiple times they have said they are not reporting the information to Experian. In XX/XX/XXXX XXXX provided me with a letter that states they have no record of a bankruptcy and have not provided that information to Experian. I have sent this letter to Experian on multiple occasions and Experian refuses to remove the public record and states that the record was investigated previously and the dispute is frivolous. 

Also, in XX/XX/XXXX I had sent a letter into Experian to investigate a slew of credit inquiries. Since I have a fraud alert on my credit file for identity theft I asked to see the permissable purpose of the credit inquiries they are currently reporting. Experian replied, XX/XX/XXXX, with a copy of my credit report stating that inquiries are a factual part of my credit report. 

Experian routinely violates consumer rights under the FCRA by either labeling disputes as frivolous or outright ignores the dispute all together. If I had to guess, I have asked Experian atleast 20 times to remove this public record all to no avail. 

I would like the CFPB to step in and represent me and hold Experian accountable for the disregard of my rights afforded to me by the FCRA. As you know, the FCRA was enacted to protect consumers from situations as this. I have attached a copy of the letter XXXX provided as well as an excerpt from the response I received from Experian.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX/XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Friday XXXX XX/XX/2019, I got a letter from Capitol one showing I had an account with them with a {$1500.00} cash advance limit with them and a {$3000.00} credit card limit with them. 

Balance owed was {$0.00} Minimum payment was {$0.00} No invoice # on page. 
Account ending in XXXX Number @ Bottom of page : XXXX XXXX XXXX XXXX I called XXXX On Friday XXXX XX/XX/2019, @ XXXX XXXX  call lasted for 39 minutes. 

I asked for who I was speaking with and they would only give first names, if it really was their true name. They never gave me a full name, only 1 gave me a badge # if it is real. 

I spoke with : XXXX  but given no badge # XXXX Badge the badge number she gave me was # XXXX Document is included, 2 pages, both sides filmed. 

I asked for them to close the account, and asked for a confirmation # in which they would not give me one, and I was denied an answer. 

I asked for information of who opened this account, and was intentionally denied an answer. 


Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx List of actions requested : I need to know Who opened the account under my name and information. 

I need a confirmation # the account is permanently closed. 

I need a confirmation that any and all correspondences to any firm or firms by Capitol One that affect my fica score or any other type of credit score be immediately reversed, and documents stating such be delivered to me by e-mail below. 

I need Capitol One to completely remove all of my personal and intellectual property from all their data banks, and I need a correspondence stating they accomplished such. 

Any and all information about who opened this account. 

I do not think my request is unreasonable, I did not open this account. 

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Thank you for your time and expertise XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Ca. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
I did not give this corporation written notification to report these items! this is a clear violation of 15 usc 1681b ( 2 )

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 2020-01-23
Company: Ad Astra Recovery Services 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  1. ) XX/XX/2016 {$1300.00} XXXX  1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: AZ
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 purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the JPMCB-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my XXXX and XXXXXXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my XXXXn and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Assocciated Credit put a debt on my XXXX  credit report ( # XXXX ) with out verifying the debt is mine. I do not owe this debt, and dispute its validity. 
I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my credit report and saw there were late payments being reported which is a violation under the FCRA. 

XXXX XXXXXXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXXXXXX Acct # - XXXX XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX Acct XXXX - XXXX I did not give written permission to this company to furnish this information and according to FCRA late payments are transactions and are not to be reported on a consumer report. 

Delete the above late payments on these accounts from my consumer report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ]

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 2018-02-08
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried with Ocwen to get assistance but kept getting denied. My husband I eventually had to file bankruptcy with a bankruptcy attorney. On XX/XX/XXXX we filed. It put a hold on our auction. We received a new date of XX/XX/XXXX. But our bankruptcy discharge wasn’t until XX/XX/XXXX. The week of XXXX  we went to meet the bankruptcy trustee. No creditors attended. After that meeting we received another letter saying our auction was going to be XX/XX/XXXX. Now it took until XX/XX/XXXX to get the discharge. I contacted the bankruptcy div of Ocwen on the XX/XX/XXXX. The auction was on hold. By Monday when they received the concent by my attorney. It was off. Hold and we now only have less that 2 weeks. Shouldn’t we have received 30 days. They need that much for the loan mod paperwork. That’s all I want is 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: RentDebt Automated Collections, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Showing on report as late when account was never issued to me in writing or given permission to 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 non-monetary relief
Consumer complaint received 2021-01-29
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
received loan for XXXX XXXX dollars u.s. and being charged almost 200 % interest and possible fees on the balance to pay off. Would like to resolve loan balance but not the excessive fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2017 I tried to get my equifax report, and I was unable to gain access

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CL Holdings LLC
State: NC
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation