BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked XXXX and Transunion to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to. 

Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since 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 non-monetary relief
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX for individuals in the high at risk population and not vaccinated order to not be in large areas for exposure especially at the XXXX courthouse where there have been many COVID-19 outbreaks from their exposures inside and I put side the courthouse. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX XXXX  XXXX has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX A XXXX, NC 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 2019-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX  and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is Portfolio Recovery. I do not believe that I owe this company or the original creditor which is XXXX XXXX. On XX/XX/XXXX I sent Portfolio Recovery a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XX/XX/XXXX. It is my opinion that what they sent me was not " validation ''. The company failed to send me an original contract between me and the original creditor, all they sent me was a statement and a letter from the original creditor that states that the debt had been transferred to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: IN
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:
All three major credit bureaus XXXX, XXXX and Experian have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, XXXX and Experian on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars. 

Take Note : All XXXX XXXX XXXX ( XXXX XXXX XXXX ) Personal Information and Signatures hold a required value of XXXX XXXX dollars ( XXXX ), per incident ( request ) 15 USC 1692 ( A ) ( 4 ). Violations found may be cause for indictment/ penalties for Violation of Rights, Trademark/Copyright Infringement, Fraud, and Estate Embezzlement , etc for all parties involved. 
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX/XXXX/EXPERIAN DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX 2020, I was a fraud victim. Chase replaced my accounts with new accounts. 
Chase set me up with a savings account that has a monthly fee of {$5.00}. I did not know this. I think they took advantage of my victimization to get me to sign up for something. 
The interest rate on this savings account is ZERO. ZERO PERCENT. Remember, we currently have the highest interest rates in recent memory, some banks are hitting 5 % interest. 

Who would ever want to sign up for a " savings '' account that has 0 % interest and charges a $ 5 monthly fee? Not me. This is unconscionable. Especially since they signed me up and changed my accounts after I was a fraud victim. This is a scam, this is theft. 

I asked them to reverse the fee, they reversed one for {$5.00}. 

If they do this to XXXX customers, they make $ XXXX a year off this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
On XX/XX/XXXX I spoke with BMW FINANCING SERVICE REPRESENTATIVE from BILLING DEPARTMENT XXXX  XXXX REFER NUMBER IS XXXX. This person verified that this information on my credit report is indeed inaccurate and should be removed from my credit file. 
1. I have never been late with payments on this account.

BMW FIN SVC Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Section 51.002 of the Texas Property Code had been violated by the foreclosure attorney not sending notice of the sale to the borrower 21 days prior to the schedule foreclosure sale date. The notices must be forwarded to the debtors most recent address as shown by the lenders records. ( The day the notice is postmarked counts as the first day of the required 21. ) The foreclosure attorney has the correct mailing address for the borrower proven by previous certified mailings sent in a timely manner and received by the borrower. 
As of the date of this document NO such notice of sale has been sent to the borrower per Texas property code and therefore the schedule foreclosure sale date of XX/XX/2019 must be set aside and proper notification must be sent to the borrower in the required amount of time.

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 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 XXXX XXXX, and CAPITAL ONE BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and CAPITAL ONE BANK USA with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Portfolio Recovery Service is a nightmare ... You're free to check my credit report, I absolutely pay my bills, but these people are completely unknown to me aside from calling me several times a day ( including before XXXX ) ... They say nothing but I can hear the line is open, I call the number back & all I get is a recording that identifies the caller as Portfolio Recovery Service , which then leads to an endless loop of no information ... This is a business phone they're harassing me on, which of course detracts from my ability to just ignore them, but they're costing me money now and it needs to stop ... This company must have hundreds of phone numbers because they ALWAYS call from a different number EACH & EVERY TIME ... I don't know of any legitimate businesses that wouldn't think a phone number change would be a nightmare ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: TX
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 had a valid PIN for security freezes/lifts for years with Experian ( and the other bureaus ). As recently as this week, I was able to lift the freeze using my PIN and personal information to complete a lift for financing purposes. The merchant couldn't run the report that day, so I attempted extend the lift a second day. I am now being requested by Experian to send in a dozen or so documents to create the lift which seems ridiculous given I have already submitted all the required information in the past, and executed the lift this week successfully. I can't get a human at Experian, only an IVR system that ultimately tells me I must send the documents to Experian. 

As more individuals freeze their credit files for their protection and the protection of their children, any inefficiency in the freeze/lift process will materially affect purchasing and have consequences on the overall economy.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge

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 2019-10-29
Company: Experian Information Solutions Inc.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX XXXX ( Original Creditor : 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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : 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