BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to file a complaint on TransUnion XXXX and XXXX XXXX reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from

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 2023-08-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. 

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

Please See Attached Documentation 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 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Your company broke the law!!!! 
Your company is in violation of the following subsection of the Fair Credit Reporting Agency.

Pursuant to 15 USC 1681 the accuracy and fairness of credit reporting. Congress makes it clear that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Ability Recovery Service assumed this role and because of your assumption, you have negatively affected my life and caused hardship.

15 USC 1681b. Congress also makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report.

As a consumer reporting agency, Ability Recovery Service used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )

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 2021-05-03
Company: EQUIFAX, INC.
State: RI
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:
There is an account incorrectly reporting on my credit report that doesn't belong to me. I would like this removed immediately I tried to resolve this with the company. But they have yet to resolve my issue. The entry is for XXXX # XXXX XXXX {$59.00}. I never received proper correspondence regarding this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2022-01-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
well according to Mr cooper all of this has been made up in my head and they are so sorry for my dissatisfaction After all the lies and trickery last year and skating by on technicalities They continue to call me even after I filed a Cease and desist with the FCC. They made nasty malicious lies about how Im attacking them fabricating facts or trying to get free housing or words to that effect this complaint just shows MR COOPER IS A XXXX  again ill attach the letter where they claimed that they needed time to get my number removed etc and another saying that they wasn't aware of this and they will cease communications with me cause of nasty emails i sent. WELL I WAS SENDING NASTY EMAILS CAUSE YOU LIE ALL THE TIME AND HURT PEOPLE. IVE BEEN HURT AND IM FIGHTING AGAINGT A HUGE COMPANY AND IM JUST ONE PERSON and it hurts to have to deal with the lies and people not admitting when they are wrong and passing the blame on the small guy SHAME ON YOU MR COOPER!!!... OH NOOOO THIS IS REDUNDANT INFORMATION AGAIN CAUSE YOURE DONG IT AGAIN AND it gives credence to what ive been saying all before about all those OTHER pesky errors you love to REFUTE so much ... YOU CAN NOT be trusted to do the right thing even after you put it in writing to appease the regulators your deception is so obvious ... SHAME ... NO HONOR.. XXXX!! Mr cooper you even used my " nasty '' emails when i was angry and emailed after you lied to misrepresent me so you used that to make it look like your hands are tied and Im just unreasonable SHAMEFUL attached is the call that occurred this year, the docket number with the FCC complaint i Filed in XXXX last year and Both of Mr COOPER letters lying to CFPB and the Pa Attorneys general and a Pennsylvania banking an securities email as well in where im telling about Mr coopers Tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Chase Auto Finance to request a one-month payment deferment 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  I explained to the represented when I called that I needed to skip XXXX payment but was told that they could only extend the payment through the XXXX of XXXX which is normally due on the XXXX of XXXX. I borrowed the money from my sister and made the payment on XX/XX/2022. However, the company still placed a past due payment on my credit report even after providing the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I tried to access my BMO Harris account online. I logged on to my account using my user name and password. There was a message that I must agree with BMO Harris Bank Digital Agreement before I could access my account information. I read the BMO Harris Bank Agreement but I did not agree with everything in the agreement. I did not have the option to disagree with any parts of this agreement. They did not provide the information regarding Illinois and Federal Law/Regulations that makes this banking agreement legal. I went into the local BMO Harris Bank branch in XXXX IL the same day and was told by the branch manager XXXX XXXX that unless I agree with the BMO Harris Bank Digital Agreement I will not be able to access my  account online. I have been doing online banking with Harris Bank and later BMO Harris Bank since XXXX and I have never had a problem accessing my online account information. I have a problem with the " You must agree to the terms outlined in the Digital Banking eSign Consent and Disclosure in order to proceed ''. I understand that if I don't agree with BMO Harris Bank policies that I can take my money out of the bank. I just want to know that banks like BMO Harris Bank can option out of any liabilities by having their customers waive away their rights by agreeing to these types of agreements.

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 2023-06-29
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: Reporting company used your report improperly

Complaint:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage XXXX : XXXX XXXX Refuses to entertain a Mortgage XXXX. 

We are in a Chapter XXXX bankruptcy to stop the sale of our home and have been making monthly payments ( {$2500.00} ) via the Chapter XXXX trustee portal system to this Mortgage servicer for over the past 12 months. ( Actual loan payments should be - {$1500.00} ). 

It should be noted that the Chapter XXXX Judge - required the Mortgage servicer to meet with us to review & consider a Modification. However when the Modification discussion/review occurred with XXXX XXXX XXXX the meeting lasted less than 10mins. 

XXXX XXXX reported when asked during this Modification Conference call - that they ( XXXX Servicing ) are not required to adhere/follow of the XXXXS government guidelines ( ie, Dodd/Frank ) XXXX And that they consider our mortgage account closed- but continue taking payments from the Chapter XXXX trustee funds and not to entertain any discussion with me. 

My question and request for guidance for CFPB is how can a mortgage company / servicer be above the law or government guidelines. And treat people this way. 

All my wife and I want to do is to be able to continue to make payments- obtain a modification and transfer away from this mortgage servicer to be able to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 writlen instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit oard account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account and this payments to current or made on time immedintely as you are violation of several laws under The Falr Credit Reporting Act.

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 2022-10-19
Company: DISCOVER BANK
State: TX
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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
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:
I never made this application on XX/XX/2022. I never signed any documents for 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 2023-03-29
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was shopping for a new car and my credit was pulled without my authorization. 
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report. 

XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX  HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/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 explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I called XXXX and TransUnion after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX  ONE 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 2022-10-19
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2018-02-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
Re : Case # XXXX ( which also see ) Chase has not responded appropriately to this complaint of the erroneous charge to XXXX XXXX for a gift card : 1. ) In my initial disputed charge report by telephone to Chase I was told to contact XXXX XXXX to have the {$24.00} charge reversed. I explained that I had no contact or relationship with XXXX XXXX and that therefore they would have no information about me or basis on which to reverse the charge ; that the error was made by XXXX who would have to reverse the charge, whom I had contacted and whom had not responded, and whom Chase would have to therefore contact for the dispute. 
Nonetheless, I did contact XXXX XXXX, who, as I had said would be the case, had no information about me or my CreditCard and therefore had no way to be able to reverse the charge. 
2. ) Chase sent for me to fill out a form which is irrelevant to the billing error which was made ( as explained to you in the Case # XXXX and above ) and therefore the form is useless for the disputed discription. 
3. ) A representive from the Chase exectutive office, XXXX XXXX ( XXXX ) XXXX XXXX left a message on my ( unlisted, private ) phone on Monday, XX/XX/2018 requesting I return her call. I have subsequently called back leaving a message for XXXX XXXX XXXX times and to date, Saturday, XX/XX/XXXX, XXXX XXXX has not returned my call. 
4. ) I have spend a great deal of time trying to resolve what should have been a simple matter. The bureaucratic run around by Chase has prevented a timely resolution, to wit : That Chase would not follow up in an appropriate way after I fully explained the situation, that Chase continues to deal with the matter in an ineffective if not just plainly incompetent manner, and most of all, XXXX XXXX 's not following up with any resolution and flagrant discourtesy in not returning my calls to her.

Company response to consumer: Closed with explanation