BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX C & amp ; XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$410.00} : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$230.00} : XX/XX/XXXX XXXX LOAN SERVICES REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$25000.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: PA
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:
I have reached out to JP Morgan Chase and requesting information in which I have yet to receive a response in regards to my 2 closed credit card accounts. JP Morgan Chase is in violation of my rights as a federally protected consumer. Pursuant to 15 USC 1602 ( p ) unauthorized use of my accounts by closing both credit card accounts without my permission or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1988 SS # : XXXX To Whom It May Concern, I am writing to address inaccuracies in my credit profile that have recently come to my attention. I kindly request that you promptly remove the incorrect information from my credit profile within the next thirty days. Your cooperation in rectifying this matter is greatly appreciated. 

Below, I have outlined the inaccuracies pertaining to my personal information that are currently being reported. I request that you take immediate action to rectify these errors : Name and Aliases : My legal name is XXXX XXXX XXXX. I have no other names or aliases associated with me. Please ensure that no additional names or aliases are retained or reported on my credit profile. 

Address : My current and sole address is XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. I have no other current addresses. Please remove any other addresses from my credit profile. 

Social Security Number : I want to emphasize that you are not authorized to report my full Social Security Number on my credit report or share it with any entities. Reporting my complete Social Security Number poses a significant security risk and exposes me to potential identity theft. I request the immediate deletion of any social security numbers that your company has reported on my credit report. 

Date of Birth : My accurate date of birth is XX/XX/1988. There are no other valid Dates of Birth associated with me. Please ensure that no other dates of birth are retained or reported. 

Telephone Numbers : I have no requisite telephone numbers that need to be retained or reported. Please delete any telephone numbers associated with my credit profile. 

Employment Information : There are no employers associated with my credit profile. I request the deletion of any employers that may have been erroneously reported. 

Spouses/Roommates/Co-applicants : I have no requisite spouses, roommates, or co-applicants linked to my credit profile. Please remove any such associations. 

I thank you in advance for your prompt attention to my requests. I am aware that you have a period of thirty days to address this matter. If I do not receive updates within that timeframe, I trust that the inaccuracies will be automatically removed. 

Upon the successful removal of the inaccurate information, I kindly request that you provide me with a complete and corrected credit report, reflecting the necessary changes. Please mail this report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Thank you for your cooperation and assistance in resolving this matter. I look forward to the timely correction of my credit profile. 

Sincerely, 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 2023-02-24
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881.

Bankruptcy inaccurate 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written consent.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Reporting Agencies have assumed a XXXX XXXX and have XXXX responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-02-23
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: DE
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, my mortgage was assumed by Shellpoint Mortgage Servicing. On XX/XX/2019, I made my mortgage payment online. At that time I attempted to apply an additional amount to my principle balance, over and above my minimum payment, but the website did not allow me to. I subsequently emailed this company to inquire why this happened. I received a response that said I wasn't able to pay additional principle because there was an outstanding {$99.00} fee due on my account. When I called to inquire what this fee was for, I was told that this was for a `` drive by inspection '' that they performed on XX/XX/XXXX. I never asked for, authorized, or was advised of this appraisal. 

My complaint is twofold. First, how can this company arbitrarily charge me fees for appraisals that they, at their own discretion, deem necessary? Two, how is it legal for them to limit my ability to pay additional principle amounts when I make my payment? 

Thank you for your attention to this. I look forward to your response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!

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 2021-12-14
Company: Experian Information Solutions Inc.
State: DE
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1. Made a request for a method of verification as it pertains to a XXXX XXXX XXXX  account that was reporting on my credit report. That request was received by the credit bureaus in XX/XX/2021. To this date all I have gotten are letters stating that it is reporting accurately. There method or procedure used to get this conclusion were not disclosed. 

2.I would also like to opt out of a clause that the credit bureaus have which states that if you created an online account with them to view your credit report with them, then you can not file a lawsuit against them. I want the credit bureaus to opt me out of this clause please.

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 2023-08-08
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-03-14
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I used my bill pay option to pay my credit card payment and today XX/XX/2023 the payment still have not reached my credit card company. The financial company ( Chime or XXXX XXXX  ) states the payment is has been processed, however they will not give me any paper work stating it was paid. I received a late fee from my credit card company XXXX which they said the payment never reached them. I have called Chime support 5 times and I have emailed the support team over 5 times. They are giving me the run around and this is just not fair at all. I need something or be done about this matter. I had to pay my debit {$80.00} yesterday just to get my credit back in good standing. In the mean time my bill check for {$150.00} never reached XXXX. I dont know what else to do in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: CT
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:
Hi, JP Morgan Chase owes me a points refund in Ultimate reward points for airline tickets I had purchased and the flight was canceled. In the past 1 month, I have called the credit card services at Chase 3 times now and spent over an hour on each call explaining what the issue is. Every time I was told it will be resolved in XXXX hours but it has not been resolved yet. 

I have an email ( attached with the complaint ) from the last agents stating : " We have sent a request to have the XXXX points to be manually adjusted to your VISA card XXXX. In addition, we also requested a one-time courtesy compensation of XXXX goodwill points to be adjusted to the card mentioned above. '' I am not sure how many more times am I supposed to reach out to the bank after receiving confirmation from three different agents that they owe me the points. 

Any help from CFPB in this matter is greatly appreciated. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
I was speaking with this company about settling my debt. I provided them my card information and all and agreed to pay the debt for a lower amount. This company used my card without my permission and charged it for the entire amount of debt rather than the amount we agreed on settling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was informed by US mail, that from XXXX XXXX XXXX XXXX XXXX, Az XXXX of a " Notice of Servicing Transfer '' effective with payment due XX/XX/XXXX. 

NewRez LLC would collect payment going forward. 

contact information provided was NewRez LLC Customer Service XXXX XXXX XXXX XXXX, SC XXXX On XX/XX/XXXX, I was informed that I had successfully secured an online account to pay the XXXX mortgage with NewRez. 

This email informed me that the Customer Service Team was available at XXXX or XXXX. 

I could not access the payment account after setup to pay the XXXX payment, so I contacted their provided number by telephone call. 

I informed them that I was the estate executive/Successor Trustee for the property/loan and was attempting to make a payment, but was locked out. 

I was furthered informed that because of privacy, I would need to forward copies of Certificate of Death/Revocable Living Trust documents to NewRez. 

I was provided a contact receipt via email on XX/XX/XXXX. 

Followup phone calls informed me that Shellpoint Mortgage Servicing was confirmed as the actual responsible party for the XXXX transfer, ( NewRez LLC owns the lien but Shellpoint Mortgage Servicing ) would need the document as well, to assist me with payments. 

As of today, XX/XX/XXXX, I have not received a response in any way, or the promised followup to assist me as the property owner to continue to make payments/provide whatever maybe requested as the heir/executive/trustee from either NewRez/or Shellpoint Mortgage Servicing. 

The property has never been delinquent on a loan payment since it was purchased in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been paying my mortgage timely since inception and haven't had issues until it was sold by XXXX. The new mortgage company refuses to timely post payments made which is grossly affecting my credit and ability to secure new loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/XXXX  account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT 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 2021-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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