BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: SC
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'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to Experian and XXXX to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA 605B all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. Experian blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Issues with TransUnion not allowing me to file complaints at all anymore about the issues that I am having. XXXX has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.

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 2023-07-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, On XX/XX/2023 I was contacted on my cell phone by an individual who stated they were a representative of Chase bank, of whom I am a customer. This person already had my key account information at hand, leading me to think they were trustworthy and the call was authentic. 

The caller stated that I needed to confirm information for a new rewards credit card I had opened. I opened no such card and said so. The caller said the card had a {$500.00} annual fee and I should log in to online banking to check if my new account appeared there. From then things got very confusing with the caller throwing a bunch of information at me. I was later directed to a screen from my pc showing my account information and a deposit of {$20000.00} in my account, which the caller said was in error. The caller then became hysterical and began to insist they would lose their job over this firable error and not be able to provide for their family. He asked me to wire to {$19000.00} back to him. I did this and then shortly later realized something was not right about this whole scenario. 

I went to my local bank branch that afternoon, on XX/XX/XXXX, and asked for assistance. The transfer still showed 'pending ' at this time in my online banking portal. I asked for assistance from Chase to cancel the transfer as I now believed it was a scam. They told me they could not do that and it was 'unlikely ' they could recover my money. 

In the month since my XXXX and I have contacted Chase by phone and email on dozens of occasions trying to get answers about this situation and request assistance recovering the funds. Chase has given me the run around at every turn and on XX/XX/XXXX sent me a denial letter stating that the matter was closed, only XXXX  days later!! I then filed a complaint with the Attorney General of XXXX 

After that, I called XXXX again after reviewing the CFPB FAQ/bill of rights and pointed out to them that I notified them timely of the issue, and therefore they shared liability based on XXXX XXXX of the CFPB regulations. They did not respond other than to share that they disagreed and were not liable. I have called and contacted many others, to no avail. 

I have ample documentation supporting my communication efforts, and have also recently contacted a consumer affairs reporter with the XXXXXXXX XXXX XXXXXXXX regarding this issue. 

I am a XXXX XXXX XXXX on a XXXX XXXX and the loss of {$19000.00} to fraud/elder abuse scam will have an irrevocably negative impact on my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submiting you this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ), TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/23 This issue is with Rushmore Home Loans. 

I have been trying to contact them since XX/XX/XXXX  I am in need of year end tax info which is not on their website. Additionally they have been " closed '' for the last week that I have attempted to call on the only two phone numbers I can find. Their email nor their chat box works. What options do I have to obtain my info?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Genesis FS Card Services, Inc.
State: NC
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, this company has violated my rights. 

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

15 USC 1681 Sction2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At my direction, XXXX XXXX electronically sent Synchrony Bank/Amazon {$12000.00} to pay my charge card bill which was for only {$1200.00}. Thus, the payment included an overpayment in the amount of {$11000.00}. This payment which was due on XX/XX/XXXX was received by Synchrony on XX/XX/XXXX On XX/XX/XXXX, when I first became aware of this overpayment a representative from XXXX XXXX and I contacted Synchrony ( XXXX XXXX ) and asked that they electronically deposit the overpayment back to XXXX XXXX XXXX checking account, where the funds had originated. Synchrony informed us that could not do that but that would within the next 30 days send me a check for {$11000.00}. 

On XX/XX/2023, not having received the check, I contacted Synchrony. I was informed that they did not send me a check because they needed written authorization from XXXX XXXX to do so. However, after speaking to a Synchrony supervisor I was told that she would request their accounting department to send me the overpayment on an expedited basis, and that I should receive the check by XX/XX/XXXX. 

On XX/XX/XXXX, not having received the check I contacted Synchrony and was informed that the check had not been mailed but that it would be sent and that I would get it within the next XXXX to XXXX days. I was informed that the check had not been sent because receipt and clearance of my payment needed to be verified. A supervisor whom I was transferred to then told me that the check had in fact been sent on XX/XX/XXXX, and that I should receive it by no later XX/XX/XXXX. 

On XX/XX/XXXX, not having received my reimbursement I again contacted Synchrony. I was informed that a check in the amount, {$10000.00} had been sent on XX/XX/XXXX, and that it would take seven to days for me to receive it. I was informed that the check had not been sent sooner because I had not requested a refund until XX/XX/XXXX. 

On XX/XX/XXXX, I also sent Synchrony a written request for a refund asking that they send me a refund within seven days of receipt of the written request

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 2023-03-25
Company: EQUIFAX, INC.
State: IL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX h

as violated my rig hts. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX of XXXX, I was sent a report from check'r say I have some items on my driving record that hold me up from applying for companies the report has info that is completely old and has since been token care of with the DMV my driving record is clear with DMV but check'r the background check still has it on my report I would like this info removed please it's hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I was notified by your company on XX/XX/XXXX regarding an alleged debt Creditor : XXXX XXXX XXXX of {$140.00}. I have reason to believe I do not owe this debt because because I believe you have me confused with a different person and that I do not have owe any money to the creditor. 

I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; XXXX. Documentation showing you are licensed to collect debts in Virginia. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Comenity Bank approved me for clothing store cards. Was making payments without problem but then feel on a hardship. They call me every day even on Sundays. This morning they called me 3 times from XXXX. They will call from several numbers and a no called ID number. Yesterday XX/XX/23 they called eights times. I feel that is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Sensible Auto Lending, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was sent a 1099C debt cancellation from Sensible auto on account number XXXX. I also have a UCC1 filing on the vehicle file number XXXX and this vehicle is an asset in my trust Account with XXXX XXXX, recently sent a complaint for this company to send me my title and they refused, they continue to try and report debt on my credit report i finally got them removed from all 3 credit bureaus and now I wake up to my car being illegally repossessed!. They took my car and I tried to call them and they wont allow to to retrieve my car or my belongings. I own this car this is not right that I pay it in full bit they have the right to take my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Please see attached documents. Discover Breached Contract and a billing error, I filed a " notice claim '' as per " terms and agreement '' with the intent to arbitrate Discover in the near future if things are not handled the appropriate way. I sent out documents via USPS certified tracking there is nine day delay in delivery and Discover still have not received my correspondance from me ( consumer ). I am creating this case through the CFPB channel to expedite the process of Discover receiving correspondance. After the reciept this tranaction through CFPB I am giving 30 days to respond with some sort of solution and remedy. After 30 days if we cant come to some common ground to what I am requesting in my claim notice I will be moving forward with arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Westlake Services, LLC
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:
Westlake Portfolio Management Purchased Undefined Vehicle Contract Associated with my name and furnished the account to the consumer reporting agencies. This account is Fraudulent and has resulted in identity theft. I never gave Westlake Portfolio Management written permissible purpose to obtain my non-public personal information from no one. Also, I never spoke with no one with this company about a payment extension on a letter I received in the mail. Westlake Portfolio Management is committing fraud, defaming my character and had affected my livelihood due to the reporting of this account being furnished to the credit reporting agencies. I only have one auto loan and that is with XXXX XXXX that should be reported to my consumer report. This Westlake Portfolio Management account is a fraudulent 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