BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am writing to report an issue with my mortgage loan, initially taken out with XXXXXXXX XXXX XXXX  The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXXXXXX XXXX XXXX orders, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXXday period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

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 2023-03-04
Company: EQUIFAX, INC.
State: NJ
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 complaint on XX/XX/2023 to Equifax regarding items on my credit file. I notified Equifax that the items they are reporting are a result of Identity theft. I provided Equifax with an identity theft report an appropriate proof of identity. The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax is not complying with federal regulations pursuant to 15 USC 1681n - non compliance. If the company fails to do what is fair and equitable to me as a consumer by blocking the identified information, i will not hesitate to seek legal counsel and file a complaint with the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently inquired about my account with chase bank via CFPB in regards to my payment history till I discovered an error in payment reporting on my credit file. Chase bank is reporting an invalid payment history and for that reason I would request a detailed debt validation from beginning of credit card application to approval and also why XXXX  reported all positive payment and XXXX and XXXX are all reporting a different charge off date/payment history which is violation of 15 U.S Code 1681i. According to XXXX XXXX credit file it indicated that my account was positive till XXXX XXXX and XXXX doesnt have no data recorded for my payment from start of creation to XXXX XXXX when late payment reported as 30days late. Attached is documentation for evidence and according to XXXX, chase bank ran a soft inquiry on my credit file and updated payment history without my authorization. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am also in the process of filling a complaint with FTC for improper use of credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; 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 2023-02-14
Company: SANTANDER HOLDINGS USA, 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: Was not notified of investigation status or results

Complaint:
15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES the consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 
I am requesting a reversal from " 30 '' to " OK ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK XXXX XXXX FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I sent out a certified letter with a return receipt to Experian and XXXX XXXX XXXX XXXX cause it came to my attention that they have been inaccurately reporting 2 accounts on my consumer report. 

Experian XXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXX Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics. 


These negative accounts have been placed as a Collection/Charge-Off status WITHOUT mailing me a copy of IRS 1099-C Cancelation of Debt. Experian and XXXX XXXX XXXX XXXX XXXX are reporting Collection/Charge-Offs, Late payments, and other derogatory information on my consumer report are in clear violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities. If these derogatory accounts are not deleted within 10 days, I will be forced to officially file IRS form XXXX : Information Referral and IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 updated 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

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 2023-05-12
Company: DISCOVER BANK
State: NJ
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:
I am a victim of identity theft, and an account was fraudulently opened with Discover Bank using my personal information, including my name, XXXX, and date of birth, on XX/XX/XXXX. The address and phone number used to open the account were not mine, and they belong to the thief. 

I am a XXXX citizen who has been living in XXXX for the past 13 years until I came to the XXXX for work on XX/XX/XXXX. At the time of the identity theft, I was not present in the XXXX and did not have any address here. I discovered the fraudulent activity after my arrival in XXXX, and since then, I have been disputing the fraud account with Discover Bank . 

I have submitted a Police Report, Passport Copy ( with stamp pages ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. for past years ( issued by XXXX XXXX and Border Protection ), my VISA status, and all possible documents to prove that it was impossible for me to open an account, receive a card, or make any transactions in the XXXX during that time. However, Discover Bank keeps denying my dispute, claiming that the account was opened with my information and that a statement was sent to the thief 's address. It seems like the investigator is missing the whole point that my ID was stolen and used to create a fraudulent account, and that Discover Bank sent the fraudulently made card to the thief 's address for illegal use. 

Timeline : XX/XX/XXXX : Called Discover Bank, advised to call collection agent ( Radius Global ) XX/XX/XXXX : Called XXXX XXXX, advised to wait for notice XX/XX/XXXX : Received a letter from Discover Bank, asking me to submit dispute by fax XX/XX/XXXX : Sent fax to dispute ( explanation letter, SSN copy, Passport, Police Report, etc. ) XX/XX/XXXX : Received a denial letter from Discover ; called to reopen the case and sent fax again ( same as XX/XX/XXXX ) XX/XX/XXXX : Received another denial letter from Discover ; called to reopen the case and was asked to submit passport stamp page XX/XX/XXXX : Sent fax ( explanation letter, passport stamp pages, US Gov documents, XXXX copy ) XX/XX/XXXX : Called Discover and confirmed the receipt of fax XX/XX/XXXX : Received another denial letter from Discover XX/XX/XXXX : Called Discover to reopen the case again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email a handful of months ago about a debt that was supposedly owed. I asked for a debt validation letter and one was never sent. Its been well over two months, if not three, since then. They just sent the same details with what amounts were due over and over again and never replied to my emails. 

Additionally, under Kentucky Landlord Responsibilities ( KRS XXXX ) they are required to have Electrical, plumbing, heating, air conditioning, and other facilities must be kept in good condition and they in fact were not. They were told the air conditioning was not working and it reached well over XXXX degrees in the household when I had a XXXX in it. They did not respond to the email, nor fix it. Months later, I left, as it was inhabitable to live in a place that hot with baby. After speaking to the heating company they worked with, they told me all units were way too old and needed replaced as repairing it wasnt going to help them keep up since they were outdated. Many others around me had the same issue. I offered to make a payment for the past due rent amount even though the details were wrong and not validated, but was not going to pay all of the fees given they legally had to fix the issue and didnt and therefore I, under law, was allowed to end it. The company did not ever reply. They did not follow the guidelines they were required too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account name XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over a period of a year debt collector continued to call without sending proof of debt owed. I asked for them to stop calling and calls continued to come in. They called me so much I had to get my number change

Company response to consumer: Closed with non-monetary relief