BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am using a debt collector to help me get back on my feet. I have gotten numerous letters and non stop phone calls from JP Morgan Chase and now they are sending and calling me for the money which I have told them in the past I am consolidating my cards to help myself and they are giving me bad XXXX XXXX and XXXX XXXX. Pkease contact XXXX XXXX XXXX  this is the company helping me out. PLEASE HELP ME STOP THESE PHONE CALLS AND LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/ Experian Information Solutions INC . 
And all variants of said entity. 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my Experian, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX consumer Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report Remove any listed item applicable to EXPERIAN & ALL VARIANTS OF SAID ENTITY REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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 2023-09-14
Company: V and H Portfolio
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXXXXX Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from Equifax, XXXX or XXXX. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for XXXX credit card for XXXX XXXX surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today, XX/XX/23, I, a person with XXXX  and XXXX, attempted to address the issue of my account Being overdrafted. I got hung up on not once, but twice, and the third time i called back the wait was XXXX minutes. None of the workers speak English very well nor are they very understanding or sympathetic. 

Furthermore, again, these XXXX transactions in XXXX are NOT mine. The provisional credit was reversed with NO notification or communication. My account is all in disarray and they have been giving me the runaround when i am simply trying to pay what I owe! 

This is XXXX  and frustrating. I am an American citizen and want some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly letters to XXXX XXXX XXXX  asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX XXXX XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After refinancing my home and closing with my new lender on XX/XX/2018, my former mortgage with M & T Bank was paid in full and funded on XX/XX/2018 In XXXX, I was notified by XXXX XXXX and my credit monitoring service that I had a derogatory/30-day late reported for XX/XX/2018 from M & T Bank I contacted M & T and asked them to explain because this was inaccurate. I have never made a late mortgage payment. M & T told me they marked my late because the received payment on XX/XX/2018 and that was 30 days after payment was due. I told them that did not make since and did not coincide with federal laws. M & T told me to file a complaint and they would investigate and get back to me. 

A couple weeks later, I received a letter from M & T saying they would not remove the derogatory mark from my credit report and they pretty much stood by the information stated to me previously. 

I also received a paid in full letter from M & T Bank stating my loan had been paid in full on XX/XX/18 ( attached to this email ) I filed a dispute with the credit bureaus and M & T changed some of the wording on my credit report but failed to remove the 30 day late from my credit report I worked with a credit reporting agency and had a conference call with my current loan officer, credit agency and M & T bank last week. In that conversation, the rep ( XXXX ) from M & T Bank said in plain language I never made a late mortgage payment and was on time in XX/XX/2018 because the loan was paid off on XX/XX/2018 After our conference call, the credit agency called M & T back and a supervisor ( XXXX ) said they would not remove the late payment from my credit report I have never made a late mortgage payment and I am disappointed with how M & T Bank is handling this matter. I am not in opposition of legal recourse if this matter is not remedied.

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 2019-09-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying off my mortgage to XXXX XXXX ( XXXX ) the original provider in a regular, automatic fashion. From about the beginning of this year Bayview Loan Servicing have been sending me letters demanding that I pay the same mortgage to THEM. I sent them several letters explaining that their demands are senseless, but they would not listen. ( There was no authorization from mortgage provider to switch. ) They are threatening with foreclosure. They ruined my credit rating and prevented me getting a loan. 
In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to them. 
For some reason they are pretending not to receive those, even though XX/XX/XXXX and XX/XX/XXXX have been marked in my XXXX account as PAID. 
I am enclosing one of the typical letters. 
The person just designated to look after my account is XXXX XXXX, tel XXXX XXXX XXXX, email : XXXX They keep acting as if had no money to pay. This is not the case, I simply don't want to pay fwice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

XXXX keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

XXXX investigate all unauthorized inquiries and nvestigate on collection and mail back findings.

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 2022-10-20
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:
At this time Transunion in collusion with XXXX XXXX XXXX XXXX, continues to share my non public private information and as a financial institution and vice versa. Not only that but XXXX continue to ignore written request of account ledgers showing my credits debits, and principal accounts for the so called debt in question. this XXXX account has already been removed from XXXX and XXXX due to said violations. XXXX has still not provided any Accounting or internal records to proof their validity and contract to collect as debt overall. I have sent Transunion XXXX forms of identity as well a an Identity theft report to support my claim and with evidence upon the description of violation broke by both the XXXX and Transunion the reporting company. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft '' Transunion SHALL a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. All measures have been taken by The authorized person for the Estate of XXXX XXXX XXXX. TRANSUNION HAS NOT IN FACT BLOCKED the account regarded on my identity theft report.I never gave expressed written consent, nor was disclosed this company will be sharing with third parties nor has put the notice of " we will be sharing you nonpublic personal information with proper notice or conscious notice to the Estate ( consumer ) Not only that but pursuant to 15 US Code 6802-6809 XXXX XXXX XXXX XXXX HAS NO LAWFUL RIHGT TO SHARE MY NON PUBLIC PERSONAL INFORMATION TO THRID PARTY AFFILIATES SUCH AS TRANSUNION.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these accounts ASAP.

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 2023-04-12
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Referring to complaint XXXX with CFPB this issue is still not resolved. I have followed up with XXXX bank, and this inquiry remains on my Transunion credit report. Se attached follow up conversation below, and note the dates. It has been over 5 months since my original contact, and this inquiry is still negatively affecting 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 non-monetary relief