BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 IN NOT A DUPLICATE COMPLAINT AND THIS IS THE ACTUAL CONSUMER XXXX XXXX. 
Account in question has been deleted by XXXX  because in it unverified and invalid. 
I intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite several written requests, the unverified and invalid item listed below still remains on my credit report in violation of Federal Law.

Credit Reporting Agencies are required under the FCRA to have a copy of the origi
nal creditors documentation on file to verify that this information is mine and is correct. 
In the results of your XXXX  's investigation and subsequent reinvestigation XXXX  stated in writing they verified that these items are being reported correctly? However they have refused to provide information on who Who verified this accounts? XXXX  has refused to provide me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore XXXX  has failed to provide the method of verification and validation as required under Section 611 ( a ) ( 7 ).

under Section 611 ( 5 ) ( A ) of the FCRA Credit Reporting agencies are required to promptly DELETE all information which can not be verified. 

This account has been previously deleted from my credit report and rereported. 

This account has been deleted by XXXX from my consumer credit report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX {$430.00} XXXX attached are copies of both my transunion and XXXX  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 2021-09-03
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:
Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: OH
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 was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, Equifax, and XXXX I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They sent me and an attorney an email stating that " we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
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: Account information incorrect

Complaint:
I have sent a letter to Experian on XX/XX/2018, stating the XXXX XXXX XXXX XXXX has reported an inaccurate address on my Experian credit report. The address that is on my credit report is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, it is incorrect. When I mailed the letter inquiring about this account the letter cam back undeliverable. I have requested Experian to delete the account. I sent two letters, one on XX/XX/2018, and another XX/XX/2018.

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 2020-06-30
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact RMP over 5 times about this account thats on my credit report. I have told them over and over its not mines they refuse to listen. So to hush me up they report they account as paid when I never paid it. This account is destroying my credit health I can not get anything when they see I have a collection account on my report. I have a common name I asked them for verification a copy of my hippa and also prove they are authorized to even collect money from people in my state and also documents showing prove they own this debt they refused. This account need to be removed its not mines they dont have prove its mines. This is illegal putting anything on people credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: NC
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 wanted to freeze my credit with all 3 bureaus last fall. I was immediately successful with all but Equifax. They said I did not have credit to create an account to freeze. They asked for copies of my Driver 's license and SOS card to be mailed to them, which I did ( twice ). I obtained a credit card and have good credit standing and finally they sent a letter confirming they froze my credit and provide a PIN number and instructions to thaw it. 
As a XXXX XXXX, I want to build my credit so I need to apply for a second credit card through my Credit Union ( who uses Equifax ). I attempted to thaw my credit with them through the website they provided. They said it was " temporarily down '' ( which has been their excuse for months now ) and so I called their number. They said they COULD NOT THAW my credit, no reason given. They said I had to write them a letter requesting a thaw and AGAIN send picture ID and SOS card. I did so. I received a letter from them that they could not thaw my credit because they could NOT LOCATE MY CREDIT FILE. So they have frozen my credit, but refuse to thaw it so I can get a credit card!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently did a refi with my lender PennyMac at the beginning on XXXX. My FIRST payment is not slated to actually occur XXXX. 

However, I made my first prepayment on XXXX against my mortgage of {$190000.00} for {$1100.00}, and was applied toward the escrow ( {$650.00} ) and principal ( {$470.00} ). I did indicate as such on my payment coupon. 

I have been going back and forth with them via numerous calls and direct email on their sit to get this fixed as the took {$460.00} and applied it to interest. They are not being helpful and that is alot of money misplaced

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello CFPB. 

I would like for Chase Card Services provide to both myself and you where are they getting the false allegations in regards to> Balances on accounts are high compares to credit Limits???? 
( I only owe both chase and they were way under the limit prior to the decrease limit ) Total Balances on Revolving accounts are too high???

( how an I have attached proof from XXXX> ALL XXXX BALANCES ) Payment amount above the required minimum on some chase cards is low?? 
( Have chase provide my Payments since day 1, I have paid 2x the minimum required ) Payments on credit card accounts with us are low compared to balances??? 
( With me only paying Chase, I have about $ XXXX in LOC Limits ) Number of credit cards with a balance close to the credit limit??? 
( I have attached my Credit report as proof, have chase show their evidence now ) Total Balances on Revolving Accounts?? 
( I only owe $ XXXX out of $ XXXX LOC, Less then 5 % ) Number of non installment loans compared to the time on file???? 
( I have trades since 1994 paid and paid off like clock work ) Number of inquires in credit bureau report??

( Average 3-4 to the current consumer ratio % )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, a check in the amount of {$2500.00} was received by my loan servicer, Fed Loan Servicing. I currently hold XXXX direct consolidation loans with Fed Loan Servicing. 
Correspondence with the check asked that the amount be applied to the principal of the single direct consolidation loan with the highest interest rate ( 7 % ). Included in that correspondence, was my name, my account number, the principal balance on the single loan I wanted it applied to, and the internal name that Fed Loan Servicing uses to describe this loan specifically. ( To them, it's " XXXX XXXX XXXX ''. ) My payment was misapplied. It was applied as an interest payment across all XXXX loans, directly against the stated payment instructions included in the correspondence. 

I am including a copy of the correspondence that was included with my loan payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax website is down. I have tried different links but non of them work. I need to lift a freeze you do not have that as an option so you may need to add " submit or lift a freeze ''. Anyway I need to get through no one answer the phone and the website is down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am making a complaint against XXXX XXXX. A total of {$340.00} was taken from me without my consent or knowledge today XX/XX/2018. I called XXXX to dispute the transaction & was told that my dispute had to go to the escalations dept. The escalations dept from XXXX XXXX called me back within 2 hours with a Rep from the company XXXX XXXX on the phone. The XXXX XXXX rep explained to the bank rep that the account in question does not belong to me, it belong to a male whom they researched & found that hes used other cards to pay his account also. The XXXX XXXX rep told the bank rep to reverse the charge on their end before & posts & the dispute takes longer. Ive called XXXX XXXX 4 times to day, I keep hearing that it takes 6 hours to process the reversal. I placed my first call to the bank at XXXXXXXX XXXX, it is currently XXXX. I need my money back like yesterday. Please 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 2018-06-08
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their XXXX. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in Florida ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: NFM, INC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the seller of a home that relied on a lender letter saying buyer was credit worthy assets and income verified and ALL DOCUMENTATION HAD BEEN RECEIVED, REVIEWED AND RECONFIRMED. This letter Enticed me to enter into a contract with a buyer that later could not close. XXXX XXXX misrepresentations pertaining to the buyers ability has caused me financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My nephew and I dined at XXXX  As with XXXX  the dishes are small like appetizer size We did not order XXXX XXXX ( last item ) The cost is XXXX XXXX plus 7.4 % service and 10.6 % VAT comes out to XXXX XXXX  or approx {$14.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18
Company: Lending Club Corp
State: NY
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 rights of privacy have been breached and trespassed by this company which is a direct violation of federal law. This company is also in violation of federal law by reporting misleading information on their website without my written consent. This company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted Transunion after I received a copy of my credit report in XX/XX/2018. Over the last 6 months Transunion has given my, an identity theft victim, the run around of trying to get the fraudulent accounts and inquires off. I have several accounts and inquires that are not mine. I was even told a fraud alert would be on my credit, I'd be contact before they went forward with an inquiry or new line of credit. However, here we are, and I'm still getting fraudulent inquires. I've finally decided to involve the FTC and have filed a identity theft report with them, I'll be contacting my general attorney if Transunion countines to report fraudulent accounts.

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 2018-06-08
Company: EQUIFAX, INC.
State: MA
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:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2020-08-20
Company: CAINE & WEINER COMPANY, INC.
State: WI
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 loan with XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: U.S. BANCORP
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:
Due to Covid I requested and was granted an extension on payments however they would only grant or approve 6 months. Unfortunately I was without income for 14mos. However, when I requested more time PER THE CARES ACT GUIDELINES, US Bank denied the request. Instead they reported me for 4 late payments. I WAS paying but due to being without income they were not on time. I disputed this within US Bank and they denied the internal dispute. I believe US Bank completely ignored the Federal Guidelines set forth in the Cares Act guidelines.

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