BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
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 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 my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit

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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called Transunion on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Transunion refuses to investigate even after I have done my part as the consumer.

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 2017-09-12
Company: Experian Information Solutions 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:
I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from 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 explanation
Consumer complaint received 2017-09-12
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:
I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XX/XX/XXXX To XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Seller : XXXX XXXX Complaint about XXXX XXXX XXXX is they are not providing a written agreement to settle this account of {$830.00}. On XX/XX/XXXX I wrote to them with an agreement that would satisfy both our needs, which is : Portfolio Recovery will notify the 3 Credit Reports to delete this account from my Credit Reports and all of their files and any other file holders Copy of the 3 notifications to be sent to me. 
Status of this account to show current, paid in full and of good standing ( never late ) and Closed per request of customer. 
At time of a signed and dated agreement from Portfolio Recovery, money will be sent to close account. 

My complaint is Portfolio Recovery will not provide a written agreement so I can settle this and account. This is effecting my Credit Score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This morning i checked my XXXX XXXXXXXX XXXX XXXX when a new inquiry For jpmcb card appeared on my account from XX/XX/XXXX. I never applied for a card through them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-26
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-11-23
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:
I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX  report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX On my XXXX  report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my XXXX  report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With Experian I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: SC
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 called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
JPL Recovery Solutions keeps calling me at all times of the day as well as contacting people I work with asking about me. I can not get them to stop even after asking them to not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
XXXX Has sent me a document removing all negative credit reporting on my closed USAA CREDIT CARD. 
Please see attached letter from USAA LEGAL!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-26
Company: United Shore Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is second Complaint in reference to my First Complaint # XXXX, which was close based on UWM ( United Wholesale Mortgage ) response.

The first complaint against UWM ( United Wholesale Mortgage ) was file on XX/XX/XXXX & then Customer ( myself ) received the Final response from the UWM on XX/XX/XXXX. 

Here is the Response from UWM on XX/XX/XXXX. 
Our review has found that UWM initially processed the additional principal payments you are making based on the standard payment hierarchy for your loan. Our Account Services Team then made the appropriate reversals to ensure these payments are being applied as you intended. As a result, UWM consider this matter resolved.

It clearly indicating that UWM know this issue & Instead of Fixing the issue they are try to explaining the cause. Since than I did 4 times Additional Payments ( Attached copy of Print Out ), but still UWM doing the same thing again & again. I have to go back n forth all the time to verify my account & calculate all my transaction to verify UWM charge properly or not. 

Additional Payments were submitted on XX/XX/XXXX ( {$3000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$5000.00} ). I will try to pay another additional payment by this month ( But not sure yet ). Still the additional payment amount goes directly as Monthly payment first then UWM reverse monthly payment & then apply properly as additional payment. So 1 line transaction become 5-lines of transaction. 

Like in XX/XX/XXXX to XX/XX/XXXX, If I did not pay attention then there was a chance where I was going to be victim of this unlawful activity. Like in my first compliant # XXXX I explained, in XX/XX/XXXX to XX/XX/XXXX all additional payments were completely mixed up & had wrong interest charges on account. 

After I spent too much time to going back n forth all the time to verify my all transaction, raise this issue by calling, secured message to UWM & Complaints to CFPB. Now I am planning to contact legal department to take action against UWM & now this time I will ask for compensation for wasting my time as well giving me hardship for more than 1 year. 

Attached last 24 Months of statement. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation of this account but no avail! If they can not validate it, how can you report it? Its identity theft so why I still have this unknown item in my credit report? Only two bureaus reporting this account.

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 2022-01-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We called our mortgage company ( lakeview loan service ) on XX/XX/XXXX to change the date of our mortgage to the XXXX of XXXX instead of the XXXX. I was assisted by a women who change it over for me. On the XXXX of XXXX my mortgage of {$1600.00} came out of my account because of the holiday. Then another {$1600.00} on the XXXX which is the day i wanted it out. Now my bank account has been negative for the past 8 days. When i called and spoke to a superviser at lake view he told me that this suituation was the completely the fault of the women who assisted me. He told me all He could do for me was refund my money back which would take 3 business days ( wednesday the XXXX ) and come into my account. Now it's the XXXX business day ( Thursday the XXXX ) i call the company again and they tell me it was sent by Mail and I wouldnt receive it for XXXX days from the date it was sent which is the XXXX. When I asked to speak with a manager they put in a request and said it would take 24-48 hours until they would contact me.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing 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 2020-08-27
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: Information belongs to someone else

Complaint:
I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify 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. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX SUN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to confirm that these issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
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 That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/2019 I wrote to XXXX XXXX  about a Fraudulent Charge of {$1700.00} on my XXXX/XXXX  XXXX concerning the letter they were going to credit my account in 10 business days. Unfortunately, Capital One/Walmart took over the account in the middle of this transaction and I called Capital One and Capital One rep said after holding about 50 minutes that due to the transition XXXX XXXX  needed an additional XXXX business days. I called Capital One back after the XXXX business days and they said it would be best if I talked to them directly and gave me the number. XXXX XXXX told me the transfer was complete to Capital One and no further servicing of the accounts was going to take place. I call Capital One back and again placed on hold for an extended time while he talked to managers and came back and said my credit would happen in XXXX business days. I waited and nothing happened so I called Capital One back and after almost an hour they were to deposit the money in my account on XX/XX/2019. Then I talked to a woman named XXXX that said she was not going to honor those statements, even though verbal agreements are valid in the State of North Carolina and she needed additional information. I gave her what I had and sent a complaint to the vice-President of XXXX XXXX  to release any documents Capital one needed. It appears as you talk to different people that feel it is ok to come up with different answers and solutions and the customer has to put up with this action that includes breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: North American Asset Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX charge off in XXXX. It was for XXXX XXXX, acct # XXXX. I paid this account off in XXXX with Frontier Financial, and will attach a copy of my letter showing the debt was satisfied. To this very day, me, my husband and my parents will get calls from collectors about this same debt. I have attempted to contact Frontier, but it appears they went out of business several years ago. The people calling to collect always give random company names that are never the same. This item has long since fallen off my credit report so I know the debt is not legit, but these calls are embarrassing and cause me a lot of mental anguish. How can I make these calls stop??

Company response to consumer: Untimely response