BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company called my husband on XXXX/XXXX/XXXX, at which time he told them to send something in writing as they would not divulge what the debt was for, etc ... I called them back the same afternoon, twice, trying to get the information from them and was told I could not speak to them without his permission. On XXXX/XXXX/XXXX they called his phone, XXXX, 4 times, on XXXX/XXXX/XXXX they called his phone 5 times, on XXXX/XXXX/XXXX they called his phone 3 times. On XXXX/XXXX/XXXX I asked them not to call his number any longer and to remove it from their list as they were disturbing him at work so I gave them my number XXXX. I have also been receiving numerous phone calls from them on a daily basis and they will not talk to me and only want to speak to him. We have yet to receive anything in writing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
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 Fair Credit Reporting Act XXXX  accounts XXXX XXXX, XXXX # 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2019-07-30
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX - Mortgage Account - XXXX Dear CFPB, Our Mortgage is with Mr. Cooper Inc. and we have never defaulted on any payments since the account was transferred to them. Recently, our credit took a big hit because Mr. Cooper falsely claimed that we have not paid our XXXX invoice and reported it to Credit Reporting Agencies nationwide. 

For the record this is a blatant lie. Payment for the XXXX mortgage invoice in question was made on XX/XX/XXXX for {$600.00} through XXXX  XXXX XXXX Account ( XXXX XXXX ) and on XX/XX/XXXX for {$1200.00} through XXXX XXXX Account ( XXXX XXXX ).  Please see attached documents for verification. As you can see subsequent invoice from Mr. Cooper never reflected payments made on XX/XX/XXXX and XXXX. This is fraudulent! Under normal circumstances, paying invoices before the due date should be beneficial and not detrimental. Instead, this grave discrepancy and egregious error caused by Mr. Cooper resulted in unwarranted blemishes on our credit scores and on our payment history. This is unfair and it needs to be rectified immediately. This was the same practices done by our previous mortgage company XXXX. We are fed up with fraudulent practices by these rouge companies. 

Based on the above information and the attached supporting documents you can clearly see that our XXXX invoice was paid and it was even paid ahead of the due date. We pay most of our bills ahead of the due date and not once have we had any problems with other companies. Rather we get credit for early payment. This is the only company that punishes you for paying your bill ahead of the due date. Giving this information our XXXX invoice was fully paid on time and therefore we do not owe any late fees as well. 

We hope that filing an official complaint with your establishment will help bring some kind of resolution to these vexing fraudulent practices by Mr. Cooper and the harm they have caused to unsuspecting consumers like us thereby tarnishing our credit. I believe they should be forced to retract the negative report sent to the credit reporting agencies nationwide with an official apology letter. 

I wait to hear from you shortly. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$580.00} XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX  Date opened XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/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  Opened : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3200.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-05-29
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:
XXXX XXXX XXXX XXXX  has improperly reported a negative item on my credit report. Acct # XXXX is being improperly reported. I DO NOT OWE THIS DEBT. I sent them a certified letter which was signed on XX/XX/22 demanding that they validate the debt and investigate the debt and send me proof that this is my debt. They failed to do so I attached the letter that they mailed back to me which was their validation letter which showed me NO signed contract and no signature from me showing them an obligation to pay them. I sent the letter demanding validation as per the FCRA giving them the 30 day timeframe to validate the debt in which they failed to do so. Attached is correspondence between myself and XXXX XXXX about the erroneous account on my credit report in question. I WANT THE ACCOUNT DELETED. THE TIME FOR THEM TO UPDATE THEIR INACCURACIES HAS PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: AL
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:
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 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 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 2019-07-30
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My father, XXXX XXXX died XX/XX/2018. A man from First Financial Asset Management called about an unspecified debt. He would not clarify the debt he claimed was owed but he demanded my fathers death certificate and my POA. I am his executor and the Will has been probated. I am told after death a POA would be invalidated. I gave the man an address where he could send documentation of the purported debt but he continued to ask for proof of my fathers death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
PenFed loan was opened in my name. It has been active for roughly XXXX months. I only noticed there was a fraud loan in my name after I saw my XXXX XXXX drop XXXX points in one day. I have reached out to PenFed and am getting minimal responses back over the last XXXX months. 


I have filed a police report, contacted the credit bureaus and PenFed in this matter.

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My uncle passed away XX/XX/2021. I am the sole beneficiary named in his will. My uncle had several accounts with Capital One Bank and Ive been trying to close the remaining accounts he had with them. After filing the estate tax return with the State of New Jersey I received the tax waiver for Capital One which allows me access to the accounts. I submitted the waiver to Capital One via fax that they provided me and sent numerous emails to the Bank Estate Operations Department that have gone unanswered. I called the corporate customer service number and was told the only way to communicate with the Bank Estate Operations Department is via email which Ive had issues with them answering since this process started back shorty after my uncles passing in 2021. They will not provide me with a phone number to call them nor will they contact them on my behalf and express my frustration with the lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-02-03
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account and did not consent to anything related to this account as it was fraudulent. I have been reaching out to this company multiple times to get this removed but they haven't done anything. Please block and remove the accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT COLLECTION COMPANY IS REPORTING A DEBT CAUSE BY IDENTITU THEFT TO MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XXXX, Chase suddenly close all my credit cards because I spend over 10k on XXXX XXXX day using my XXXX XXXX signature card. I never have a late payment and my credit score never below XXXX. I called the number on the card. The representative told me they already made the decision and will not take any reconsideration. That's unfair to the customer and bring a lot of trouble to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
You have already helped me with another issue that was cleared up with my existing loan. That was completed back in late XXXX. Thank you for your assistance. At the same time I had also reached out to my current lender for help with a loan modification. After speaking with one of the executives at Chase, XXXX XXXX, about my concerns, she informed me that it shouldn't be an issue and all I would need to do is fill out the appropriate paper work in which she included in her response through you in XXXX. They are well aware of my situation and that I already had my mortgage modified approx. 10 years ago when the market crashed. So that being said, I had sent them all required documents and paper work showing them that my situation had changed again and my income was less than last year. As per their request. I then just received a letter stating that I had only one option to short sell my house and they did not approve another loan modification because I had already received on back in 2010. That was the only reason why I wasn't considered. If I had known this I would have not had applied but no one ever informed me this prior to my efforts. Everyone at Chase was well aware of my situation especially because they had resolved another balloon payment issue from that modification. IS there anything you can do? I don't want to lose my house or have a short sell. I am paying my mortgage and not behind as of now but would appreciate if they would please be more flexible. The only other concern is that although I have my mortgage through Chase but it's owned by XXXX XXXX. 

Please let me know if you could help me again. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Case should have never been closed out against Capitol One They provided no Evidence to back up their claim that they provided the information to that address or a copy of that letter that was sent. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16. A bill does not quality as a notice of debit collection action. If you are trying to say a bill qualify then again Capital one is in Volition of the Law. The FDCPA clearly states a debt collector may not use any language or symbol on any  envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt This next part they made false and misleading statements overshadowing the validation requirements C.M.R. 18.18. o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16. 

3rd here is a release and another claim I will be submitting that Capital one claims that they can  find all of their debtors with out any issues and know where they are at, at all times XXXX XXXX   XXXX XXXX. Last but not least when I was no longer at well before XX/XX/2018. XXXX XXXX XXXX XXXX, ND XXXX. I had all mail forwarded for 2 years to this address XXXX XXXX XXXX XXXX XXXX Ut XXXX due to awaiting information from the VA. 

Please address the law violation that you have committed as a company this time and not a generic response to close a case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: RI
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, XXXX, and Equifax after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous request and hoping that the accounts listed below lates will be removed : XXXX XXXX Balance : {$160000.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation