BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
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:
I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). XXXX and TransUnion credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my fiancee 's drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility

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 2023-01-16
Company: Experian Information Solutions Inc.
State: VA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-22
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX XXXXi the amount of {$220.00} for XXXX XXXX which i didnt sign up for IWAS TOLD I WOULD GET A REFUND BUT STILL HAVE NOT I called numours rimea about it but nevef resebed anytging This is through Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2019-07-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/XXXX we have been actively attempting to obtain a payoff quote for our HELOC held by PHH Mortgage so that we may payoff and avoid foreclosure proceedings. The HELOC matured in XXXX, XXXX while we were in Chapter XXXX reorganizational bankruptcy ( filed on XX/XX/XXXX and discharged on XX/XX/XXXX ). We have been trying to work with Ocwen Financial the HELOC holder, now PHH Mortgage ( XX/XX/XXXX ) to resolve. We were advised by Ocwen/PHH that modification and payments would not be accepted. The only resolution to avoid foreclosure was to payoff the loan in it's entirety. 

We have secured loan funding which is ready to close but we have been unsuccessful in obtaining a valid payoff quote. We were advised that a payoff quote was forthcoming on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I requested a verbal quote I was told it was not available in my file. I was also told a Relationship Manager was assigned but have been unable to reach or receive a call back. Instead I was placed in a holding queue receiving inaccurate or conflicting information at every call. I was advised on XX/XX/XXXX that a payoff quote was issued and would be faxed to our Escrow Officer. The payoff would be good through XX/XX/XXXX. I was advised again today, XX/XX/XXXX, that the quote was faxed to Escrow Officer on XX/XX/XXXX - it was not. They also could not provide the figure of the payoff verbally, We have also tried to contact XXXX XXXX, XXXX the Foreclosure Attorney leaving a voice mail ( only option provided when voice mail box was not full ) to no avail. I have spent in excess of more than 30 days and over 24 hours of cumulative hold time spent trying to avoid foreclosure proceedings and payoff the quote. Please note the 'Notice of Default ' that was filed on on our property on XX/XX/XXXX only provided PHH contact information by which to obtain a payoff quote and lists 90 days to resolve. The payoff figure listed showed a good through date of XX/XX/XXXX ( we received on XX/XX/XXXX ). We are nearing the expiration of the Default with foreclosure impending. Again, we have loan funding at the ready to close but can not get a payoff quote. I find this to be completely unacceptable and as such have filed a complaint with the XXXX XXXX County Consumer affairs. I will also be filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. I respectfully request escalation of this issue with immediate resolution in the form of a payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have checking account in chase bank. In regard to my auto sale advertisement, I got scammed. The scammer sent me a fraud cheque of XXXX usd and later asked refund via XXXX as obviously he was not willing to proceed. 

On noticing the fraud, I immediately informed chase fraud department and they declined the claim as I have authorized the XXXX payments. 

My concern is, no one would authorize a payment if its known to be a scam. Also, chase bank could have notified sooner if the cheque was fraud, the money got credited and almost after a week the cheque is being reversed as they found it to be fraud or suspicious. Had it been done earlier or if the fund was kept on hold, I could have saved my subsequent money transfers. 

Absolutely devastated by this loss and hence reporting for a potential refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
The Arbitration provisions of the Deposit Account Agreement of Goldman Sachs Bank USA ( " Goldman '' ) requires the mailing of a " Claim Notice '' prior to one initiating a lawsuit, arbitration or mediation. The same Deposit Account Agreement referenced the Privacy Notice of Goldman which pertains to the collection of personal information and states, in part, that ( i ) Goldman may begin sharing personal information 45 days after the opening of an account, and ( ii ) Goldman shares personal information for purposes of joint marketing with other financial companies, Goldman 's everyday business purposes, etc. The definition of " personal information '' includes trade secrets, commercial information, and the like. 

The issue is that an amount holder can run the risk of delivering sensitive information such as trade secrets, commercial information, and the like, in a " claim notice '' without receiving remuneration for doing so. An amount holder would have to have " funds '' to litigate, arbitrate or mediate, and can easily have the personal information that the amount holder shares via the submission of a " claim Notice '' stolen simply due to the attrition that is very likely to occur by going through the processes- against a financial institution that presumably has access to millions upon millions in " funding '' - of submitting a claim notice and waiting, then initiating a lawsuit/mediation/arbitration and then having to deal with that while also having to handle the general demands of life and the rest of society. It isn't fair- not even a little bit The Deposit Account Agreement also contains provisions that reserve the right of Goldman to act in accordance with the Deposit Account Agreement even if Goldman refrains from exercise of an act ( or if Goldman is not required to act yet does ). This leads me to believe that Goldman can handle my request for a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called and filed several disputes online. Equifax and XXXX are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
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:
There has been a back and forth between myself and multiple agencies reporting a bankruptcy on my credit report. At this point all parties are responsible for the negative impact this reporting has had on my life. I am not against filing a lawsuit against any and every company that has unlawfully obtained personal information and published it without my permission. I am disgusted at how easily Experian has ignored my letters demanding they remove this information, and frankly alarmed. I know there is a standard set by the FCRA and that Experian has clearly violated many of those standards. Simply put, this is not right. As an educator for the past 30 years, my main mission is to teach my students integrity and honesty. I will no longer ignore Experian 's blatant disregard for the law and demand they remove this bankruptcy from my report before legal action is taken.

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 2023-03-14
Company: MOHELA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My federal student loan was in my credit report owned by the us department of education for XXXX and was in good sranding the loan was then transferred to mohela for the same purpose student loan thaf is still in good standing. My credit score dropped XXXX points because my loan was on my report then went off and was put back on what is the reasoning for this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Radius Global Solutions LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Experian credit file shows an unpaid collection account from " Radius Global Solutions '' in the amount of {$380.00}. The original creditor was XXXX XXXX. 

Radius Global requested this entire Trade Line be deleted from both XXXX  and XXXX XXXX last year. The reason being that XXXX took the account back and it was handled internally thru an entity called XXXX. I paid the account IN FULL to XXXX/XXXX with the understanding the account owner XXXX / XXXX would not list it as a collection and it hasn't been ; before that happened Radius Global ceased having account in its portfolio because it went back to XXXX and they requested TD deletion in XX/XX/2019. 

The Radius Global trade line was DELETED XXXX XXXX however XXXX  continues to list it on my file as a collection and even worse, unpaid account. I filed a formal dispute with XXXX ( XXXX Dispute report number is XXXX ) and submitted documentation to show that this account had been paid in full to XXXX/XXXX directly along with correspondence from XXXX. In the dispute report I also stated Radius Global is no longer the owner/reporter of the account. 

The Experian Dispute report number XXXX returned as VERIFIED and UNPAID, even with my supporting documentation -- receipt showing paid in full to XXXX and Correspondence from COX. I contacted Radius Global today after the Experian results came in and XXXX XXXX XXXX CONIRMED they submitted a TRADE LINE DELETION request last year, XXXX 2019. He told me he would escalate the matter to his own supervisor, XXXX XXXX and agrees XXXX should have been deleted from both Experian and XXXX as they no longer hold this account in their portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.

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 2022-01-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt It has been XXXX days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a XXXX protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: E. A. Uffman & Associates, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
never heard off XXXX XXXX, and i asked for validation and they send an itemized bill which is not validation and it is against the law for a company to be added to a 2 party contract if thats the case

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 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX ( Experian ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call

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 2023-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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.

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 2023-02-24
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: Information belongs to someone else

Complaint:
The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
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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 2022-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The. Information on the credit report is inaccurate, I have tried many times to resolve the issue and to no avail a solution has not been implemented.

Company response to consumer: Closed with explanation