BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Transunion requesting a reinvestigation and the Method of Verification for an account on my credit profile through Transunion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The bankruptcy court cant verify this data due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 an account without my written instruction

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 2022-08-27
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
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: Public record information inaccurate

Complaint:
This is my second attempt to remove a tax lien from the Ohio attorney general that appears on my credit report. EQUIFAX is refusing to remove the tax lien from my credit report. Expungement/cancellation documentation regarding the removal of the tax lien was sent to EQUIFAX by the Ohio attorney general on  XXXX ,  XXXX ,  2017 . I reached out to EQUIFAX on  XXXX   XXXX ,  2017  to inquire as to why the tax lien has not been removed. An agent over the phone indicated that they have no record of the withdrawal letter that was sent by the state of Ohio. ( Lies ) Furthermore, I have had many problems with EQUIFAX regarding the removal of inaccurate information on my credit report. This lien needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter from TD Bank on XX/XX/XXXXstating that I was {$34.00} short in my XXXX payment, and needed to pay by XX/XX/XXXX to avoid late fees.

I called TD on XX/XX/XXXX and paid the {$34.00} over the phone. I also told the TD Rep, XXXX XXXX, that the letter had arrived after the payment was already due. Furthermore, I pointed out that every other mortgage company I've ever dealt with has sent a letter to let customers know when the monthly payment changes, and has done so once per year, at most. TD has now twice changed the monthly amount due within a 12 month period, and did not send a letter either time. I have automatic payments set up, and I don't change them until I receive a letter that the amount due has changed. I asked that Mr. XXXX put in a request that the late fee be waived.

Received a statement in XX/XX/XXXX showing that I now owed over $ 10K because my late fee made my payment inadequate, so that 2 months of payments were in unapplied funds now. I called TD and in the course of the conversation, it became clear that the {$34.00} I had paid was not applied until XX/XX/XXXX, even though TD claims payments are applied in one business day and I had paid on XX/XX/XXXX, a Tuesday. We were told that the fee of {$190.00} had been waived, and everything should be OK now.

Received at letter dated XX/XX/XXXX stating that we still had not paid {$34.00}.

Called again and were told that everything was ok and that there would be no more fees.

Received a statement saying that we owe {$5200.00} including a new fee of {$190.00}. Furthermore, the unapplied funds were seemingly due to this newest late fee.

Called TD Bank today ( XX/XX/XXXX ) and spoke to XXXX XXXX who says that different systems are showing different information for our account and she will send the matter to research. She offered to update us next week.

In short, TD Bank continues to delay applying funds and then to charge late fees, which then cause the next month 's payment to be considered a " partial payment '' which results in funds not being applied yet again, and more fees. It is a vicious circle that benefits TD and swindles the customer. Trying to resolve this with TD only results in long wait times on the phone, more conversations that lead us to believe everything is settled, and then additional letters and statements telling us that our payments are deficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MD
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:
Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear XXXX, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information. 
Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX. XXXX Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
XXXX XXXX New Charge Off Date XX/XX/XXXX {$950.00} XXXX. Delinquent Account XXXX XXXX, XXXX A delinquency has appeared on your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. Account Closed XX/XX/XXXX An account has been identified as Closed by the creditor or consumer. 
XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX {$5800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX {$1200.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, XXXX, FL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX Date Updated XXXX XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Focused Recovery Solutions, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting a salon space from  XXXX   XXXX  inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a   XXXX   balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe  one  month rent plus late fees. I never once received a bill. I requested my statement from  XXXX   XXXX  before I made any disputes. My billing statement was closed out  XXXX  owing {$250.00} fore cleaning and repainting fee. I moved out in  XXXX  no where on the bill was I charged for  XXXX   XXXX  rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: DApps Platform, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 an account without my written instruction

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 2018-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Usaa will not give me a loan unless secured or will only offer me loans with extremely high interest rates. I have good credit with good payment history leading back almost 20 years. The rates they offer are usually double what other companys offer without explanation of why I cant recieve a fair rate. I have banked with USAA since 2002 when I joined the XXXX. I've purchased 2 homes and several cars none of which I have been able to secure a loan with usaa with a fair rate which forces me to go else where which is what I think there intentions are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: SC
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction

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 2022-08-27
Company: Navient Solutions, LLC.
State: MD
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:
In accordance with fair credit reporting act XXXX  accounts shown has violated my rights. 
15 use 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 
15 usc 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a XXXX XXXX  transaction wherein I talked on the phone with the seller of 3 football tickets for a game in XXXX and he texted video proof of the tickets. And I sent {$750.00} via XXXX through key bank. I have reported to XXXX and key and nothing has been done. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint relates to mortgage company unfairly refusal to endorse and release funds from a legal settlement in which a mortgage lender has no financial interest. 

I incurred property damage XX/XX/XXXX. When my insurance company neglected to properly assess the claim, I was forced to file a lawsuit in California court. Ultimately, at great expense to me, I settled the case and received a check for {$130000.00} from the insurer, with of course no admission of wrongdoing and no allocation of what the check was for. This check amount includes recovery for all my legal fees and litigation costs and recovery for several causes of action -- only a small portion is related to property damage. That small portion is less than the mortgage company 's threshold to monitor repairs or restrict the funds. 

The mortgagor has given me the runaround for weeks and will not release my settlement funds in which they have no interest ( approx {$95000.00} ). Further, the remaining balance of the check falls BELOW their own stated criteria for a restricted escrow account to monitor the repairs. 

Here 's a summary of the relevant amounts : Legal settlement check : {$130000.00} payable to me, bank and my lawyer Outstanding Mortgage : ~ {$110000.00} Minimum repair estimate requiring restricted escrow by JPMorganChase : {$40000.00} MY LICENSED CONTRACTOR REPAIR ESTIMATE : {$39000.00} MY LEGAL FEES and COSTS ( invoice due XX/XX/XXXX )  {$35000.00} REMAINDER = my recovery for the misery of bringing a lawsuit for 2 years .... 

To make matters worse, the damage is to an accessory structure. 

Every time I call the bank, I get a different story. Nobody will follow up as promised and they keep referring to another department that does not take consumer calls and repeatedly and summarily " denies '' requests to release the funds. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Round Point Mortgage for the followup of the Complaint with CFPB Complaint XXXX. The guy named XXXX XXXX me and told me that they going to issue the check dated on ( XX/XX/XXXX ). He has given me the XXXX number ( XXXX ) and promised me that I will receive the Check by XX/XX/XXXX. When I called the customer service to inquire about the Check, They told me that it was generated and was not dispatched. I sent so many emails and I haven't heard anything back from him. 
Looks like he is lying to me. I wasted long hours to resolve the issue but it didn't happen so far. This my third complaint on the same issue and the issue hasn't Resolved. 

1st CFPB Complaint number:XXXX-XXXX  2nd CFPB Complaint number : 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