BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my 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 explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: CO
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 a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Snow and Sauerteig LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, I came home to a packet of documents taped on my front screen door. This notice was an appear in court for a debt notice. In this notice, front page, disclosed the creditors I supposedly owed and the amount of money I supposedly owed. Taped in the open on my front door. For my spouse, neighbors and anyone who came to my door to see. The subsequent pages in the packet contained each affidavit of the debts including name of the places I supposedly owed and amount of money with account number. Exposed for all to see including my spouse. 
This was also the first notice I received from the debt collector about these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and Experian as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.

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 2021-02-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX - I called XXXX to remove an inquiry that was previously deleted and placed back on my account without proper 5 day notice. The inquiry was placed back on my account on XX/XX/XXXX from XXXX XXXX. 

Experian & XXXX - I have sent in police reports FTC reports Identification as well as Utility bills to remove incorrect addresses from my Experian Account and they have yet to be removed after months and several times resending documentation and receiving verbal confirmation that they would be removed. The addresses as well as other info that is inaccurate and needs to be removed is as follows. 

" XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2023-07-26
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXXXXXX XXXX XXXX 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 XXXX 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 2021-04-05
Company: EQUIFAX, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While viewing my credit report I seen Merchants Credit guide balance of {$230.00} & {$290.00} which I do not recall these two accounts or company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied online for a personal loan on XX/XX/XXXX. Since then, I have been unsuccessful with obtaining a status on a decision for the loan. I do know that a TD Bank performed a hard credit inquiry as I have a credit monitoring service ( attached PDF ). 

I've only received an email ( attached PDF ) with instructions on how to obtain loan status. As of this date ( XX/XX/XXXX ), the status is unchanged - no decision - stating a rep will call me ( attached PDF - note date of status vs. date on computer bottom right ). 

I've also called TD Bank and the representative was extremely unhelpful, knew nothing and told me to just wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, National Credit Systems and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be National Credit Systems is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as National Credit Systems allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/ 2019, XXXX, agent of XXXX XXXX, XXXX, contacted my tenant via telephone and discussed a debt I allegedly owe American Express, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with XXXX XXXX to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is XXXX XXXX. As such, the complaint against XXXX may be withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U S C 1681 Section 602 A States I have 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 7 years.

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 2022-10-05
Company: EQUIFAX, 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:
WHEN I WENT TO GO PURCHASE MY VEHICLE I WAS TOLD THAT MY CREDIT REPORT WILL ONLY BE PULLED BY THE ACTUAL COMPANY ... I NEVER AUTHORIZED FOR ANY OTHER COMPANY TO PULL MY CREDIT OUTSIDE OF XXXX 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Early Warning Services, LLC
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 have a complaint I will like to file about early warning. I have reached out to them about my file, theres things on there I have never opened besides XXXX  XXXX inquiry. How on earth did this banks get my information someone has to be applying electronically as now I have freezes on all my account and will be getting to the bottom of this and will be reporting.unders section 609 if it doesnt belong to me it must be deleted!. I sent out 2 letters and never got an response back it's been over 60 days when I've sent out a 2 letter of dispute never have gotten a response or reply. I reached out to them there saying I have to mail in a dispute of inaccurate information which I have already done it's over 60 days. This isnt fair this usnt right under FCRA IT MUST BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Today I had wanted on this site https : //www.patreasury.gov/Unclaimed/no_records.html and it says this Claim Owner ( s ) Address Holder Name Property Type Dates Id 's Selected Property XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Paypal Inc Uncashed Checks Property : XX/XX/XXXX Reported : XX/XX/XXXX Property Id : XXXX and this Claim Last Name First Name M.I. City St Zip Holder Amount XXXX XXXX XXXX PA XXXX XXXX XXXX Under {$100.00} and I want to know how much is the uncashed check for and I want y'all to send me the uncashed check to me in the mail without me filling out a claim form on patreasury.gov website?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

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 2020-11-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has my home listed as having {$120000.00} value. I have paid my loan down below the {$93000.00} or 78 % of my loan to value. I have paid it down to {$91000.00}. I have requested explanation multiple times and am consistently told that I havent paid it down below the 78 % mark. I have asked for an a plantation of how they are calculating that and have today been told that instead of using the value of the house they are using the original purchase prize of the house. I am a savvy shopper and purchased a home for less than market value. I am now being penalized for being a savvy shopper as they refuse to remove the PMI because they are not using the loan to the value of the house that they have on their records but instead the price I was able to purchase it for. Which is not even the same as the amount I borrowed as I payed it down some so that I would borrow less in the beginning.

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 2019-02-26
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is the third time I have put this forward as it has not been resolved. I really have doubts about whether Mr XXXX actually exists. I have the second letter from XXXX but it is impossible to contact him. I have phoned from XXXX many times and left messages. No-one ever answers the phone.I have even emailed XXXX XXXX ( CEO ) twice but had no response. Why does this bank not wish to communicate with its customers?

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 2019-02-22
Company: JPMORGAN CHASE & CO.
State: CA
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 wrote a check to the Internal Revenue Service on XX/XX/XXXX. It was properly cashed by the IRS on XX/XX/XXXX. My check and account is with Chase Bank. 

Two years later, on XX/XX/XXXX, the exact check ( now altered on the back ) was hand endorsed and improperly cashed at a XXXX  XXXX XXXX Branch ( unknown location ) without proper identification being presented. 

My bookkeeper had no reason to suspect any foul play as it is not uncommon for me to write checks to the IRS and since it was two years later, even the check numbers didn't seem odd since check numbers rotate through and I have several checking accounts with Chase. 

When my CPA was doing my XX/XX/XXXX Taxes, it was noted that there was a discrepency in my books of {$870.00} ( the amount of the check ). Upon a deeper look and investigation of the front and back of the cancelled check, only then were we able to see that the check had in fact been altered. This finding took place on or about XX/XX/XXXX, 1 year and 2 months after the XXXX  XXXX XXXX and Chase claim a statute of limitations on fraud. They now claim I am unable to get my money back from either institutution. 

My claim is as follows : 1. XXXX  XXXX XXXX should NEVER have allowed a check made payable to the Internal Revenue Service to be CASHED by an individual. The IRS doesn't cash checks. This was NEGLIGENCE on the part of XXXX and they are hiding behind a 1 year statute of limitations clause that I think any judge would throw out due to the negligence of the Bank and it's employees in this matter. 

2. Chase Bank is insured for loss. I am not. That's why I bank with an FDIC bank. I have held and transferred millions of dollars through Chase as I have been with the company for over 30 years, having my business and personal accounts with them all of that time. For them to deny an {$870.00} claim is unphathomable considering how long I have been a loyal customer. 

I want this matter resolved in my favor and am not going to stop until it is. I am prepared to go on social media, picket the banks if necessary and close all of my accounts if I am not treated properly in this regard. {$870.00} will not hurt the bank. It hurts me financially to lose this money because of a technical issue of me not finding the bank 's error in time. 

I am prepared to do whatever necessary to recover my losses, including, if necessary, go after XXXX for Negligence, Fraud and potentially even employee collusion.

Company response to consumer: Closed with monetary relief