BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to XXXX, trans union and XXXX  the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX - XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC ( SLS ) took control of our loan from XXXX Mortgage. During the transition SLS raised our outstanding principal without explanation. I have made numerous calls, spent hours on the phone with them and provided documents yet they provide no help in rectifying the issue. Their customer service representatives refuse to escalate calls to management. After weeks of calling and being told the issue would be solved to no avail, I pressed them further and insisted I would contact the governing body if I continued getting the run around. They responded by removing my name from the account and from successor in interest, refusing to speak with me although they had made no prior mention of any issues and acknowledge having received the information from my previous lender stating that I am. After researching SLS and reading other complaints about their predatory practices, as well as CFPBs prior settlements with SLS and parent companies, it has reaffirmed my own belief that SLSs goal is not to service loans but to specifically foreclose on peoples homes.

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 2023-05-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PNC Bank N.A.
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 obtained an updated credit report and there's credit inquiries I do not recognize and did not authorize. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries. The credit bureau will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX - inquiry XXXX XXXX XXXX  XXXX- inquiry XXXX XXXX XXXX XXXX XXXX- inquiry 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 2020-01-02
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:
The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
case # XXXX contiued, this is the date Loan Modification was signed and finalized. 

I XXXX XXXX  XXXX is still just an authorized user on the account, Estate Of XXXX XXXX XXXX I can't ; refi and or find other options to avoid forclosure because the loan has not been fully finalized in PHH Mortgages Services and or with the XXXX County Assessor Clerk. 

PHH has me in default by 64 days, with monthly payment increase two different times, i have been paying what was on my loan modification {$880.00}, i have not been in my new Modified loan for 64 days, i am so confused, as a service connected XXXX Veteran with a family, my everyday life is a hardship, i would like to fix the problem by a mortgage deferral, forbearance without a down payment! please help me fix this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Commonwealth Financial Systems, Inc.
State: TX
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:
In violation of the Fair Debt Collection Practices Act, Commonwealth Financial just reported two collection accounts ( {$1700.00} & {$950.00} ) on my credit report without first supplying me with a 30-day notice to dispute. If I had received the proper notification, I would have certainly contested the validity of the debts. However, I was never given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion continues to provide inaccurate and incomplete information on my credit report regarding XXXX of XXXX XXXX # XXXX and XXXX # XXXX accounts that they say are mine. I have repetitively disputed these accounts for incompleteness and inaccuracies, and requested that they post a Notice of Dispute on these accounts which is required under FCRA Section 623 ( a ) ( 3 ). Unfortunately despite my multiple verbal ( on the telephone ) and in certified written requests on this matter they have ignored me, continue to report these accounts without a Notice of Dispute ( see attached highlighted ) and have now forced me to pursue civil litigation to correct their documented misbehavior if they do not immediately removed these accounts for this violation.

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 2022-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I signed up for Capital One shopping about a month ago. Since the XXXX of XXXX I have supposedly earned over {$800.00} in gift cards. I received an email from Capital One shopping ( attached ) confirming the amount and a link to activate my gift card. I did click the link and activate my gift card and got a pop-up saying that I would have it within XXXX days. The next day I believe it was the XXXX of this month, I tried to log into my account and it was inactivated. The only response I can get from customer service is telling me they've terminated my account which they can do whenever they want per their terms and conditions. I've been looking at reviews online and they're doing this over and over to people. They are leaning on their terms and conditions which basically say that they don't have to give you any service if they don't want to and can terminate your account at anytime for any reason. But I find it hard to believe that they're not held up to any kind of standard, especially since we are allowing them to put an extension on our browser and view our browsing history. Aren't they obligated to actually give us the gift cards that you've earned or at least a reason why they cancelled your account prior to redemption?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( Experian, 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

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 2022-12-11
Company: EQUIFAX, INC.
State: DC
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 confidentially under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not missed a mortgage payment in 15 years, the servicer and account number has changed several times. 5 payments have been made and unapplied, 3 of the 5 have were received by the current mortgage servicer with a previous account number, however the address, amount, and dates were verified by XXXX  XXXX XXXX XXXX banking department as being sent and not returned. XXXX of the 5 payments were returned by the previous servicer. Currently the servicer, Mr Cooper is stating they need 6 payments to avoid foreclosure, even though they were faxed verification from the bank 3 of the payments were received, they have refused the additional 3 payments from me. Please see payment date and amounts. 

XX/XX/2022 {$850.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXX XX/XX/2022 {$850.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
I owed {$8100.00} on my XXXX bank credit card which I paid off to XXXX balance. As a result of this payment, TransUnion dropped my credit score by XXXX points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.

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 2023-09-03
Company: Early Warning Services, LLC
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A scammer, who identified himself as XXXX XXXX, responded to my XXXX XXXX ad in which I listed 2 tickets to a XXXX  concert for sale. He asked me to text him at ( XXXX ) XXXX, which I did. We discussed ticket price. He asked to use Zelle instead of XXXX or XXXX. He purported to send me {$440.00} for the tickets. I received an email that appeared to be from Zelle telling me that the {$440.00} was in escrow, and that to release the funds, the scammer had to send me {$140.00} and I had to refund him {$140.00} in 30 minutes. At first, the interaction did not go through - my bank, XXXX XXXX, XXXX, stopped it. I called the bank and the person with whom I spoke neglected to tell me that, in fact, the scammer had never sent any money to me through Zelle. The bank released the {$140.00} to the scammer ; unbeknownst to me the buyer had never actually Zelled me the {$440.00} for the tickets or the {$140.00}. 

I received another email telling me that the scammer had to send me another {$140.00}, presumably because I had taken more than XXXX minutes to refund the first {$140.00}. I again had XXXX minutes to refund the second {$140.00}. I received a fake notification from Zelle telling me the {$140.00} was waiting for me and again Zelled the scammer {$140.00}. 

I then received a third message, purportedly from Zelle. telling me I had to get the scammer to send me another {$100.00}, which I had to refund immediately. As before, I received a message that the {$100.00} was waiting. I tried to send the scammer the {$100.00} back, but bank stopped the transaction. I called the bank and finally learned that Id been scammed out of {$280.00}. The bank is pursuing a fraud claim with Zelle on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My name is XXXX XXXX I am a customer with XXXX XXXX XXXX. I have a Chase Bank on file with XXXXXXXX XXXX XXXX, an issue had happened for a transaction of {$770.00} from XX/XX/2019. It was returned back to Chase bank from XXXX XXXX XXXX, I have called the Merchant to return back the money to my checking account with chase bank. The Merchant had told me that they returned back the money to my bank account but still, I had ended up the negative balance with XXXX XXXX XXXX. I have called my bank to pay XXXX the money again and they have told me we sent the money back to the merchant which is XXXX XXXX XXXX XXXX  XXXX XXXX that XXXX XXXX XXXX deals with. After speaking with the bank to return the money back to the merchant XXXXXXXX XXXX XXXX and they had told me that it would take up to 45 business days for your merchant to receive this amount of {$770.00}. Until now its about four months this issue is going on and until this day I do not know where is my money at this point on. The merchant didnt receive any money until now from my bank chase and I have spoken to my bank so many times for almost four months. The bank had said to me we sent the money already and we have nothing to do with this matter anymore. The merchant until this day did not receive their money that I had paid from my Checking account with chase bank. So please I would like for some help to know where my money {$770.00} went at this point. As of now, I am in so many problems being negative and in collections with the merchant, because I dont know where My bank sent the money as of today. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX   XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation