BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Transunion has denied my access to my credit report. I have tried multiple times to access it on Transunion 's website and in writing. I believe this is due to retaliation when I reported multiple instances of inaccurate information and violations of the FCRA to CFPB and the FTC for obvious violations of inaccurate reporting and negligent consumer reporting that violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like 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 2023-05-20
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to formally request a thorough investigation into the discrepancies and verification presented in the recent communication regarding an account allegedly opened in my name. I have serious concerns about the accuracy and legitimacy of the information provided, and I believe it is necessary to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and North Carolina credit laws. Upon reviewing the statement received from Discover, I have identified several discrepancies regarding the addresses and phone numbers associated with the account. I would like to clarify that I have no knowledge of the mentioned addresses, nor have I ever resided at or received mail at these locations. Furthermore, the phone numbers listed as verification are unfamiliar to me, and I have no record of ownership or usage of these numbers. In light of the discrepancies mentioned above, I also wish to address the statute of limitations for debt collection in North Carolina. As per North Carolina credit laws, the statute of limitations for most types of debt is three years. It is crucial to determine whether the statute of limitations has expired in this case, as it may affect the creditor 's ability to pursue legal action to enforce the debt. I request that you thoroughly review the relevant dates and account history to assess compliance with the statute of limitations. In accordance with the FCRA and North Carolina credit laws, I kindly request that you initiate a comprehensive investigation into the validity and accuracy of the information provided by Discover. This investigation should include verification of the aforementioned addresses, phone numbers, and any other associated details. I also request that you obtain and review any supporting documentation provided by Discover, such as written documents or records, to substantiate their claims. Furthermore, I kindly request that Discover provides me with a detailed report of the investigation 's findings within the statutory timeframe of 30 days, as outlined by the FCRA, which they have yet to do. Additionally, I would appreciate their assistance in clarifying how their actions, as outlined in their communication, comply with the requirements of North Carolina credit laws, including the options for repayment assistance directly through Discover and not a third party. I appreciate your prompt attention to this matter and your commitment to upholding the provisions of the FCRA and North Carolina credit laws. Thank you for your assistance in resolving this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXXXXXX XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police 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 2023-04-08
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: Account information incorrect

Complaint:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different information. You have incorrect account numbers and also incorrect payment history. XXXX is showing a perfect payment history while Equifax is showing late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please delete or removed all late payments. 

Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor Capital One has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2019-04-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and my Ex-wife XXXX XXXX opened a XXXX XXXX XXXX credit card in my name. This card was continued to be used after we divorced, and I was not informed. Following this, the account was then maxed out and left unpaid for over 150 days. This account is labeled as XXXX   Bank/XXXX XXXX in my credit report. The Account # is XXXX, I do not have the full number. The account was opened XX/XX/XXXX, and sent to collections sometime in summer of XXXX. I was seperated XXXX from my wife and going through divorce XXXX. I continued to live in XXXX at this time, and my wife at the time relocated to XXXX, Texas. The collections agency is XXXX XXXX and opened the collection date XX/XX/XXXX under the account # : XXXX as I do not have the full number. The balance is {$1500.00} as of now, and I was never notified of the account, debt, or collections agency. After finding out, I attempted to ask my ex spouse, and also informed them they would need to pay the balance, and they have refused. This is not my account, I do not buy, own, or wear XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
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: Was not notified of investigation status or results

Complaint:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my mortgage servicer charged me an appraisal fee of {$170.00}. I did not request this appraisal. My mortgage servicer used this appraisal to raise my monthly payment. The STOLE the  {$170.00} from me by simply taking it out of my monthly payment without even telling me that they were going to do this. I contact Shellpoint and complained and they removed the fee. Now Ive looked at my XXXX statement, and now the charge is listed on my mortgage statement AND included in the amount. So I cant simply make my mortgage payment without paying the {$170.00} because it will be deemed as a Partial payment and be recorded as a late payment. Shellpoint has already raised my mortgage for the 3rd time since acquiring my loan 12 months ago. My other two previous mortgage servicers never raises my mortgage, it was {$1800.00}. Shellpoint has raised my payment to {$2000.00}. Why do they keep raising my mortgage? I want Shellpoint to permanently remove the {$170.00} appraisal fee, as I did not request or authorized them to appraise my home!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Information belongs to someone else

Complaint:
XXXX XXXX INQUIRED/OPENED CC ACOUNT WITHOUT MY PERMISSION XXXXXXXX XXXX XXXX XXXX SAME XXXX XXXX  : SAME XXXX : SAME ( TWICE ) XXXX  XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME

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: 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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my 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 non-monetary relief
Consumer complaint received 2019-11-05
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I was traveling in XXXX from XX/XX/XXXX-XX/XX/XXXX, XXXX. On XX/XX/XXXX when I was in XXXX, Chase emailed me informing there were two big transactions, {$11000.00}, and {$8600.00}, just made, asking if I made them. I replied " NO '' right away. Upon returning to NY on XX/XX/XXXX, I followed up and learned the {$11000.00} transaction was declined but {$8600.00} was considered valid as the chip was used. I have kept contacting Chase since then, explaining the situation and providing all the documents required : including a copy of my passport, travel itinerary, even a copy of the email from Chase notifying the fraud on XX/XX/XXXX. I also have an attorney, XXXX XXXX, to help me. 
Despite of all our contacts and supporting documents, Chase sticks with one answer, the card chip was used, therefore I am responsible for the payment. In the meantime, they never provide any evidence to show what made them to believe the transaction was made by me, when, and for whom to consume for what time period. As a card issuer, they can track such activities easily and can identify who actually used it and could cancel it quickly. Instead its Fraud department even made a false statement in a letter to my lawyer on XX/XX/XXXX saying that I " notified them the transaction was valid, '' despite of the fact that I have repeated denied this charge. 
A national bank would lie to its customer 's lawyer to justify their incorrect conclusion? is this an intentional mistake or a crime? 
It has been over three months since I first replied Chase email with " No '' in XXXX. the case is still going on with no end in sight. Now the bank begins to charge me interests even though the transaction is in dispute. 
I'll attach my travel itinerary and my lawyer 's latest correspondence with Chase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Consumer Portfolio stating they were willing to settle the debt for half of what they stated the balance was. If this is possible, why are they still reporting the entire balance of {$15000.00}. The letter stated I owed them {$8000.00}. The vehicle was paid on time for 3 years. Once I voluntarily surrendered it, they started reporting it late and waited 3 months to pick it up. I had a previous debt with XXXX which they stated I owed {$7000.00}, which they agreed to settle for {$700.00}. If one company can agree to take such a reduced offer, I am sure they all can. I know these companies rip off consumers with these high interest rates. After 3 years of paying {$680.00} a month, the money had paid for vehicle twice. These companies have insurance as well which pays them for default. This is why our Country is the dire shape it is in because of Corporate greed. Please help fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Two years ago I called to close my Capital one Account. XXXX Instead they offered to upgrade the account with the promise I would pay no more yearly fees. I took them at their word. Last year, in XX/XX/XXXX -- fee. I called, and shared this story and they refunded the fee. This year -- fee. I would like to have spoken to someone about this but their automated system would not let me so I chose to close the account. Supposedly they will automatically refund the annual fee, but I suspect I will not get back the late fee on the fee and the minimum interest charge on the fee. But the important part here is that you need to know that Capital one reps will tell you they are getting you into a program with no fees and then ... fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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:
There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am a victim of THEIR inquiry issue. Transunion had a server error in which they did not follow the legal process, and fraudulently added inquiries on to my account that do not belong to me. I now have a fraud alert on my account but yet they will not remove the fraudulent inquiries. 

I called and spoke to a customer service rep in which they refused to acknowledge the error. 

These inquiries are fraud and do not belong to me : 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 2021-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account.

Pursuant to 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 instructions of the consumer to whom it relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.

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 2019-04-30
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from this number and I have told them they have the wrong person and they would still call me. I have blocked the number on my phone and they keep calling me from different numbers. How many numbers can I block? This company is calling me frequently on weekdays, weekends and non-stop. 

Apparently its from a debt collection company called MRS Associates based in NJ

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 my LTV reached 80 % on my conventional loan with Loancare. I have had no late payments in the life of the loan and property value in my city has increased dramatically in the past 4 years.

I called to request the cancellation, after waiting on hold for a half an hour, I was told to send an email to their customercare email, so I did. After no response from them, I have subsequently sent 3 additional emails and called one more time, only to be told it's in review and I should receive a letter in the mail. 

It is now XX/XX/2019 and I have not received anything in the mail, and no email response regarding my request. However, I did receive my statement for XXXX which is including the PMI that I have requested to be cancelled. 

This company 's inability to communicate with its customers is inexcusable. The unfair act of continuing to charge me the PMI cost when I am eligible to have it cancelled and not communicating with me regarding my request is inexcusable.

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 2022-09-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, US Dept of Education and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Its Wells Fargo invoices.Theyve pre dated the statements so that the payment due date is over a week late when I receive the bill.Ive got all of them here and because Im old and cant see that well I had my son take a look at it and he flipped out.I mean theyve been racking late charges on top of missed payments putting me in the red.

One of the invoices : Statement date. XX/XX/23 Payment due date. XX/XX/23!!!

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