BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I am being told by chase JP MORGAN that the derogatory issues on my account will not be romoved as they said it would be in XXXX after the late payments. I explained I had XXXX during this time and they said they would ensure it was not listed as late. Trying to get house refinanced. I found out that CHASE JP MORGAN intentionally reported the derogatory remarks and refuses to remove it. I am XXXX at XXXX and Chase JP MORGAN wants to keep my fico score low so they can charge more money for interest rates. As a XXXX white male I feel I am Chase JP MORGAN is doing this to further handicap me. Today I spoke with XXXX who specifically said NO CHASE WILL NOT REMOVE THE LATE MARKS ON MY CREDIT REPORT. when I brought up the XXXX XXXX cares act every employee acted as if they were not concerned of the federal government. In fact one employee said they were larger thean the government that they will do what they want. Later A lady XXXX at XXXX with Chase JP MORGAN who wanted to argue the fact I acciddently registered a claim in my wifes name. They knew who the complaint was from but was calling wanting the claim pulled because as she alured to is that it makes them look bad. I am not asking for anything no other credit card company has done in the past, which is submit a bisput to the agencys to remove the derogatory statement. If I was not handicap/disabled I feel CHASE JP MORGAN would treat me differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$180000.00} XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED   XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a BBVA account that is showing two missed payments, for XXXX 2017 and XXXX 2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc BBVA is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.

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 2020-02-13
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:
I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-04-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Common Wealth financial services is trying to collect a debt that was closed out twice. They purchased the closed debt, and are now trying to make money off the closed account. I would like this account removed from my credit report. This should be labeled as fraud, and against the law. I would like a file taken out on this company, and their unfair, and unethical business practices. I will continue to fight this, and file complaints up the echelon of governing bodies until someone looks into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several  accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to XXXX XXXX was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
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: Information belongs to someone else

Complaint:
inaccurate information hippa and ftc violation please correct it 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 explanation
Consumer complaint received 2023-06-11
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:
I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no Transunion 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-21
Company: Experian Information Solutions Inc.
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:
This is the 4th time I am disputing the medical collection account for {$380.00} with XXXX XXXX XXXX with Experian for multiple violations of the FCRA. 
**I have disputed this myself each time, and still am, and there is no 3rd party or credit repair service involved in this request. I, XXXX XXXX, affirm that I am submitting this dispute complaint on my own behalf. 
Violation # 1 ) XXXX  will not provide proof of this alleged debt, yet continues collection activity and credit reporting, and verifies as accurate when disputed. 
Violation # 2 ) Experian has failed to perform a proper investigation. I have disputed this debt three times with Experian, who is now dismissing this request as frivolous and continues to allow reporting of an alleged debt that can not be validated.

Violation # 3 ) There can not be a Past due amount reported on a Collection account, yet my report shows Past due {$380.00}.

I have disputed this Medical collection debt multiple times with XXXX and asked for validation, and have filed a CFPB complaint against them. ( see attached ). As of XXXX, I still have not received proof of this debt, nor a copy of the original bill from the original creditor. 
I have also contacted the original creditor, XXXX  XXXX, and they have no record of this debt. 
I have disputed this debt with Experian multiple times, and have filed a CFPB complaint against them. I have also sent copies of all my dispute correspondence with XXXX to Experian several times now, as proof that I have already disputed and attempted to resolve this on my own with CMRE with no success. 
I have also requested XXXX Method of Verification regarding this debt on XXXX, with no reply. 

This is the last time I will ask for removal of this account from Experian. If this account is not deleted from my report within 15 days of receipt of this complaint, the next correspondence will be from my attorney. IT IS ILLEGAL TO CREDIT REPORT A DEBT THAT THERE IS NO PROOF OF. 
**XXXX  has already removed this account from my credit report, but Experian will not. See attached confirmation.

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 2017-12-18
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have missed payments listed on XXXX student loans. Each time these so called missed payments have appeared on my credit report, I called the loan department to find out what happened as I was signed up for automatic payments. Each time I called, I was told it was an error in their own system and that the missed payments would be removed. Whenever I tried to call back because the late payments were n't removed, I was told to be patient. I have sent a written request to their credit reporting department, which was denied. I have put in a dispute with the credit beaureus, the results state that the item was fixed, but it still has not been fixed. The missed payments are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: U.S. BANCORP
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: Was not notified of investigation status or results

Complaint:
We have tried to resolve the fact that US Bank placed charges on our account that they said that I, XXXX XXXX XXXX, signed for. They do not have any records of me ever signing for this credit for any charges to go on it. After trying to get some resolution and no one ever calling me back, they put that I would not pay on my consumer report ( bad marks ). I since have tried to get this resolved. This is like a XXXX XXXX scam. Any time I try to ask for someone to speak to, I get a paper in the mail to fill out and send back to them and no one replies. Again, this is totally a XXXX XXXX scam! Please help! My credit is now bad because of this scam.

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 2020-09-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: CREDIT BUREAU OF FARMINGTON, INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 explanation
Consumer complaint received 2020-02-13
Company: Fairway Capital Recovery, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent multiple of dispute letters since XXXX and the collector has failed to provide missing information on my credit report. I requested that they re-investigate or delete disputed items from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have recently completed a modification to our existing mortgage, for which we received a copy of the executed and notarized on XX/XX/XXXX. 
We called the single point of contact assigned to us multiple times to get the final executed copy of the modification, and since then have called multiple times to get our questions about details of our payment and fees, to little result. 
Even after we got the modification the timely payments sent have not been posted to the account. 
In addition we mailed a letter to the mortgage service company 's Qualified Written Response department on XX/XX/XXXX which has only been acknowledged, but not answered. 
We called on XX/XX/XXXX to our single point of contact and left another voicemail, and then called the main customer service line. 
The agent we spoke with reviewed our concerns and promised to send an email to our single point of contact 's supervisor, and told us to expect a phone call before the end of the day from that supervisor. 
It is now 72 hours and we still have not had any call. 
While it appears that one of our payments was finally posted, and our account brought up to date from 50+ days in arrears to 24 days in arrears this is not enough. 
We need all our payments to be applied in a timely fashion, we need our concerns in our letter to the Qualified Written Response to be answered, and we need our voicemails answered in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 an account with XXXX, a XXXX XXXX XXXX and they advertised a credit card with no hard inquiry, thats the only reason I applied and now its an inquiry in my credit. I contacted customer care and they never responded, needless to say it was XXXX XXXX  that ran my credit and I got denied anyway. They lied I have the screen shot that says while they couldnt open a credit account for me, rest assured my credit was not impacted .. but yes it was.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

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