BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-03-15
Company: JPMORGAN CHASE & CO.
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:
attached is letter i sent to XXXX XXXX ceo jp morgan chase... 

i've also included the statement i received from them closing this acct because i was " overdrawn '' ... 

in addition, i've also attached the statements including the credits and reversals...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.

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 2023-03-15
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from debt collector - ERC- that I had an account with them in collections. 

The original creditor is XXXX XXXX XXXX XXXX The amount is for {$270.00} The notice from ERC is dated XX/XX/XXXX The account was paid in full XX/XX/XXXX and XX/XX/XXXX. I have printed bank statements showing the exact amount the company is claiming I still owe. 

I was moving to a new residence, disabling service at old address and beginning service at new address. One is not able to begin new service until previous balance is paid. Please let me know how to move forward with this and what documentation needs to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Klarna AB
State: MI
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 ordered a XXXX  coat online on XX/XX/XXXX paid for it with Klarna at checkout totaling XXXX XXXX reference # XXXX store order reference # XXXX. I made two payments the first one was XXXX on XX/XX/XXXX and the second and final payment was XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a email claiming my order from XXXX  was delivered. I got home Sunday morning which was XX/XX/XXXX and looked for my package nothing was on my porch or the mailbox or on the side of my house by the garage. I called XXXX on XX/XX/XXXX and reported that I dont have my package the lady on the phone put in a ticket to investigate my claim and said once it leave their warehouse they are not responsible. I also reported this to klarna XX/XX/XXXX. Klarna contacted XXXX about my claim that I didnt receive my package. Meanwhile I contacted the post office that supposedly delivered my package. The lady at the post office show me a map of where my package was delivered. I told her that was not my house. They delivered my package to someone else house. The post office told me they were going to go and get the package back from the house they delivered my package to. I went home and went back to the post office the next day. They claim no one answered the door. Then the lady tells me they are not responsible for misdelivered packages. So I guess Im supposed to just take a loss for something I paid for. XXXX finished their investigation claiming my package was delivered and told Klarna my package was delivered. After going back and forth with Klarna and XXXX on XX/XX/XXXX I had no choice but to dispute with my bank cause I never received my package and no one wants to take responsibility for my package being misdelivered. My bank did an investigation and refunded me my money. Now Klarna is trying to rebill me for something I never received and have added late charges. I have paid everything I owe klarna. I have told them I never received my order just because the post office marked my package as delivered doesnt mean it went to the correct house. I will not pay for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a modification in XX/XX/2020 with Mr. Cooper due to a Hardship ( XXXX XXXX ) the set back my financial obligations. They denied my Modification due to a slight increase in payment by {$10.00} on XX/XX/XXXX I filed an appeal in the XX/XX/XXXX and they said they would respond no later the XX/XX/XXXX. I received a denial letter of the appeal on XX/XX/XXXX and called to make two month payment on the XX/XX/XXXX ... the representative said I needed to make 3 payments. I said I can not do that until the XX/XX/XXXX ... She said said I could make 3 payments on the XX/XX/XXXX. They said to call back on XX/XX/XXXX to make the 3 payments. When I called back on XX/XX/XXXX they said its in foreclosure status and you need to the resolve with the Attorney and pay the full amount. 

The rug was pulled from under my nose ... I've never experienced this in my life ... when I had the payment and told the representative on XX/XX/XXXX they said I can not pay anything at this time to wait for the Attorney letter. WOW????? I thought I had plenty of time when they sent a letter of the appeal they would respond no later then XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I made various attempts to reach Hoyt & Landau recently who have made false attempts to collect a debt that is not owed any longer, due to the company filing bankruptcy and do not owe the amount they have claimed and file in court and issued a default judgement after I obtained a lawyer through XXXX whom they refused to respond to. Also, the Lawyer accepted Service and signed for the Entry of Appearance on my behalf. However, they did not file an Answer in time regarding the debt not owed and I was recently notified by the law firm on XX/XX/XXXX that  they slipped and did not file the Answer in time. On another note, the Collection Agency purchased the account for pennies on the dollar from XXXX XXXX and I confirm with them today that they do not have record of an account ending in XXXX for XXXX because this XXXX filed Bankruptcy and XXXX XXXX, in turn, collected on the account as well when the Trustee settled the debts on behalf of XXXX. So both firms are illegally still trying to collect inflated interests and late fees, although I do not owe the debt they are claiming and filed in court as {$3300.00}. 

I also reached out to engage another lawyer on my behalf from XXXX and Hoyt and Landau has chosen to ignore attempts to communicate on my behalf because they are illegally trying collect on an inflated account balance that I do not owe. Also, the lawyer Mr. XXXX, sent the affidavit per the request of the front desk receptionist and he has still not made contact with them, since this morning, although they claimed they would be available to speak about the claimed account they have from XXXX XXXX. Mr. XXXX attempted to reach them multiple times today to discuss the erroneous claimed amount but received no response or follow-ups which is also totally unacceptable. 

I also made several attempts to reach out to XXXX XXXX when my daughter was XXXX for over 34 Days in XXXX with a XXXX medical condition and was denied any form of Hardship Program or Credit Insurance relief although I reached on many instances in XX/XX/XXXX regarding this matter and also sent them a formal letter in XX/XX/XXXX describing the extenuating medical and financial circumstances we were experiencing during that time and still seeking work as well. Our daughter is XXXX and XXXX XXXX and Hoyt & Landau are both discriminatory towards XXXX XXXX-Americans and U.S. Military Veterans who have served their Country. 

There is no empathy expressed and only bullish, uncanny behavior and greed rules within their company and should be investigated by SEC and FTC regarding their illegal business practices regarding extremely inflated interests rates, and late fees.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I'd Really like for XXXX  to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : Capital one bank # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
The hard inquiry XXXXXXXX XXXX XXXX XXXX ( Auto ) was not made by me XXXX XXXX this is a result of identity theft and I would like this removed of my consumer report immediately.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX XXXX XXXX {$18000.00} XXXX XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXXI XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX  XXXX XXXX XXXX {$2200.00}

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 2021-10-07
Company: Experian Information Solutions Inc.
State: MA
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:
My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding 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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-12
Company: AMERICAN EXPRESS COMPANY
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:
Hello, On XX/XX/XXXX, I discovered a bee charge of {$10000.00} on my AMEX card. 

This amount is the same than my balance due on XX/XX/XXXX. 

I double check my bank statements for XXXX. I confirmed to them that I paid this amount on XXXX. So there is no reason to make me pay twice my balance. 

I contacted them regarding this situation and they told me that it wasnt a charge but de misposted payment adjustment. They told me it was inadvertently made on my account. So they recognize that they made a mistake but they dont want to resolve it. What kind of customer service can justify that from nowhere you see your balance getting increase by XXXX without any explanations The problem is that right now is in my balance due for the month of XXXX ( XX/XX/XXXX ). 

So I dont understand why I have to pay twice for something that I sent them a proof that I paid already. 

I attached my bank statement where you can see that I have a proof that I made the payement on XXXX. 

The dispute case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX  said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact XXXX, TransUnion, XXXX by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect 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
Consumer complaint received 2020-02-28
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:
I'm not responsible for this account, i never had contract with this company.

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 2021-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am having a monumental problem with XXXX and my credit reporting agency. When Experian and XXXX  agencies report to XXXX, they are sending in reports that indicate that my FICO  score is under XXXX. I have never had a FICO  score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX 's tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at Experian & XXXX. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and 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