BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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:
I obtained my credit report on line. There is a XXXX XXXXXXXX XXXX XXXX XXXXXXXX item listed on my credit reports. 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. The County Recorder of Deeds and the Bankruptcy Courts have both informed emphatically that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Namely, for any public record to be included on a credit report, it has to satisfy the following criteria : The public record has to contain, at minimum, the consumer 's name, address, plus a Social Security number or date of birth. Those requirements are not included on the report thus this item must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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:
I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.

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 2019-06-10
Company: JPMORGAN CHASE & CO.
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 asked for a credit limit increase and they denied it, but still reported an inquiry to the credit bureaus which decreased my credit score and will remain on my credit report until 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: DELMAR FINANCIAL COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Have been in Process for more than 90 days. The Underwriting is piece by piece. The initial Loan Processor got fired after 60 days of Processing. She scheduled my closing 2 times and both times I did not close!! I am a XXXX employee with employment in the same field for more than 8 years. Have XXXX in liquid assets verified. Would not recommend this company to anyone. Unless you want a major headache and a waste of the money for the appraisal!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made travel reservation with XXXX on XX/XX/XXXX and paid {$450.00} with a American Express Serve Card. Later I cancelled the travel reservation in accordance with XXXX and the travel agency policies. XXXX sent an email confirming the cancellation on XX/XX/XXXX. However, the account with American Express Serve shows the {$450.00} " on hold '', which is basically an administrative block preventing the company from releasing the funds. On XX/XX/XXXX I called the customer service center and spoke with both an agent and a supervisor who stated it was up to the merchant to refund the money. I rebutted that the merchant had already sent back the money to American Express Serve and that XXXX had emailed its itinerary showing the cancellation. However, neither the agent nor the supervisor provided a correspondence address or fax number to send any documents to settle the matter. The customer service agents and supervisor claimed the money would return to the card and that American Express Serve would release the hold " on or before XX/XX/XXXX ''. I called the customer service number again on XX/XX/XXXX because I didn't see the money in the account and was disappointed that American Express Serve did not follow through on its claim. I spoke with another customer service and stated the company still hadn't released its hold and the money was not in the account. This agent who claimed again the money would appear in the account by XXXX XXXX  EDT which is XXXX XXXX local time for me. I waited and waited but the company did not return the money. Suffice it to say, American Express Serve took the money with zero intentions of returning it to the account. The company does not adhere to its own policy of refunding money within the 8 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/2023.

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 2020-05-27
Company: Midwest Recovery Systems
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXX XXXX 15USC1681 SECTION 602H VIOLATED MY PRIVACY ACT 15USC1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2021-08-12
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: Account information incorrect

Complaint:
Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was double charged for XXXX prime membership each month for the last two years XXXX and XXXX. I reached out to XXXX and they only credited one month back to me and told me to reach out to my bank ( Bank of America ) to get the other charges credited back. I just got a letter in the mail today from Bank of America saying they denied the claims after I provided proof for each month I got charged.

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 monetary relief
Consumer complaint received 2019-07-29
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter by mail in order to collect a debt that is not valid or incorrect. The letter is from Dynamic Recovery Solutions. 
XXXX XXXX XXXX. XXXX SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made several extra payments over the phone. Specifically told the agents that the overpayments were to be applied to principal. 
I have called repeated and tried unsuccessfully to get the extra paYments that are held as unapplied funds applied to principal. My account is in good standing and each time I call the agents on the phone can not explain why my money has been held XXXX for the past 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number 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 2020-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per company 's response to complaiint on XX/XX/XXXX # XXXX, Experian stated in its findings : " your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' Therefore, Experian did not even investigate or look into this complaint at all! 
This allegation is not only preposterous but does adding insult to credit injury! The preponderance of evidence prove that this complaint was composed and submitted by me. The fact that Experian submitted a report # XXXX regarding my credit report is proof that Experian certainly knows who I am as a complainant in this matter. Therefore, I re-submit my complaint as follows : The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. XXXX. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 6. XXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 7. XXXX   account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with Target that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. XXXX XXXX email : 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act Convergent accounts In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights XXXX15 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 My Wisely Direct by ADP Account information was obtained/stolen by a card skimmer from a ATM. Wisely advised me to use this ATM on their provided cell phone app. A total of {$1900.00} was then removed from my account in 7 different transactions at different ATM locations. The physical card was and is in my possession the whole time. Wisely by ADP has a " Zero Liability Policy '' in which my funds should be protected from fraud. I have filled a police report and a claim with Wisely but they have refused to credit my account for my loss. 
Wisely case # XXXX Police report case # XXXX XXXX Police department

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the XXXX is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair 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 non-monetary relief
Consumer complaint received 2018-04-05
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
File Number : XXXX I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between STELLAR REOVERY INC and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. 

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that STELLAR RECOVERY, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-09
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our client was previously married with both him and his wife on note and mortgage. During the loan modification review process, we provided a quit claim deed along with dissolution of marriage awarding our client the house. Nationstar Mortgage provided a loan modification to our client with just his information, provided trial documentation to support just in his name, and when it came time to finalize the documentation, now wants all of the wife 's information. Our client/our office was very clear about the circumstances of the loan modification being in his name soley and were assured repeatedly and in writing, that it would not be an issue. After taking our client 's XXXX trial payments, they are now indicating that he will need to refinance to remove wife 's name.

Company response to consumer: Closed with explanation