BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX SHOWING THE WRONG CLOSING DATE FOR THIS CHARGE OFF, THEY PUT A NEW DATE AND YEAR FOR CHARGE OFF DEBT, DO TO THIS INCORRECT INFORMATION AND OTHER INACCURACIES IM ASKING FOR THIS DEBTTO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. XXXX XXXX is in violation of privacy act 1974, I didn't give XXXX XXXX Consent to report my personal information I also don't remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering XXXX  damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.l ask that XXXX XXXX XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 | ( 5 ). Preservation of consumers claims and defenses, unfair or deceptive acts or practices.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY 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 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-05-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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:
All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove from my 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 2023-01-11
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I became a victim of a scam after receiving a call from a woman who impersonated Chase Bank. She informed me that my bank account had been compromised. I became wary and asked for verification that this was indeed my bank. The person on the phone knew all of my information which led me to believe it was Chase. They informed that I would need to make a wire transfer to verify my account since a hacker had compromised it and was attempting to wire {$3200.00}. I was sent a verification code and provided login credentials during which the scammer added a fake recipient in my account under the name of redeposit and instructed me to wire {$3200.00} to myself. After the wire transfer had been completed, the person on the phone stopped responding and I immediately hung up and called Chase, where I was informed that I had been scammed. I spent over XXXX hours on the phone with different people from Chase, who took down my information and I was advised that an investigation would be initiated and my funds would be recalled. I was never informed that I had the ability to initate this recall myself nor was I given any information regarding the bank account that received my funds. I conducted multiple outreach calls to Chase in an attempt to receive updates and inquire if I could do anything on my end. Unfortunately, my case was closed because they deemed that this was not a case of fraud. Time and resources were wasted trying to prove whether this was fraud or not when I described on many occasions what happened and informed of the voluntary transactions made under the pretense that I was indeed speaking with Chase. I spoke to a supervisor who advised that the case could be re-opened if I submitted reports showing that this wire transfer was made to a fraudulent recipient. I submitted a report to the FTC and was going to submit a police report, until I was advised by a Chase associate that this would not change the outcome of my case. This same associate confirmed that the recall from the bank was initiated nearly XXXX hours after I contacted chase to report the incident. I do believe that the bank was negligent in prioritizing the recall. Their response was that they were unable to get in contact with the receiving bank ( XXXX weeks later ). And as mentioned before, I was never once informed that I was able to complete this recall myself on the mobile app which could have increased the possibility of retrieving my money. I have asked to escalate my case and am still waiting to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: Harley Davidson Financial Services Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harley Davidson calls at a minimum of 4x a day! First thing in the morning and then 3x an hour later.. I have all documents to prove it on my call logs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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 this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$5200.00}

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: DE
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report in violation of federal law despite numerous written requests. The three credit bureaus never responded to the letter I wrote to them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) must be followed while validating these accounts. In the event that they do not verify these accounts, I will file a lawsuit against them. Please abide by the law in order to quickly address this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXXXXXX XXXX XXXX {$6900.00} ; XXXX XXXX XXXX XXXX {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$55000.00} ; XXXXXXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXXXXXX : {$6100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 contacted Equifax in order for them to investigate and verify unrecognized inquiries on my consumer report. They failed to investigate thoroughly and left the unauthorized and inaccurate inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 A STATE I HAVE THE ROGHT TO PRIVACY.

15USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRIITEN INSTRUCTION.

15V USC 1666B A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

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 2023-10-15
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
When I bought my home in XXXX, I obtained a 2nd mortgage on the home with XXXX XXXX XXXX. It was at the time of predatory loan practices that later resulted in a country-wide recession. XXXX XXXX XXXX later dissolved as a result. Over 10 years later, the debt resurfaced and threatened me with foreclosure, with a company called Real Time Resolutions. At the time, there was no assistance or advocacy for consumers like me. I did not want to lose my home. I struggled to pay this additional debt, which caused me to fall behind only further with my primary mortgage. I did pay it for some time until the pandemic hit in which I was unable to pay. They offered me a forebearance and I made payment arrangements. I tried to pay again, but again struggled to pay. I decided to pay instead my primary mortgage. I have stopped paying since XXXX and now they are threatening me with foreclosure, and XXXX XXXX XXXX has sent me a letter which I'v attached. It appears they have no legal right to threaten me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In review of my credit report I have unauthorized and unrecognizable inquiries. I have contacted Transunion several times to have these unauthorized and unrecognizable inquiries remove, but Transunion refuses to remove and update my credit report accurately. I have listed the unauthorized and unrecognizable inquiries below on my Transunion report : Inquiry Date Company XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-01-11
Company: Self Financial Inc.
State: KY
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, SelfXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX at XXXX XXXX I placed an order through XXXX at XXXX for 2 2 for {$25.00} entrees and 2 desserts. The 2 for {$25.00} include 1 appetizers and 2 entrees each. The first 2 for {$25.00} was an appetizer of mozzarella sticks and 2 entrees ( one broccoli chicken Alfredo and the second was four cheese Mac and cheese with pepper honey chicken tenders ). The second 2 for {$25.00} was a mozzarella stick appetizer and two chicken tender entrees. The desserts were blue ribbon Brownie and cinnabon mini swirls. I received a text that the XXXX had delivered the food at XXXXXXXX XXXX  with a picture of one bag. Image is also attached of message. Upon opening the bag we had only received one entree which was the broccoli chicken Alfredo. I then called the XXXX  in which I asked if there was by chance any other bags but XXXX was extremely unhelpful and would not communicate regard the delivery. I then contacted the XXXX help chat in which they credited my XXXX account {$22.00}. I then contacted them help chat again noting that I only received one entree and was missing 3 entree, 2 appetizers and 2 desserts. They informed they that would send it up for investigation but I did not receive a response in the 2 hour time frame they informed me off. The next day I contacted the XXXX customer service line and spoke to an agent. The agent told me basically the same thing as the help chat that he would escalate the matter for investigation and that I would again have a response in 2 hours. I waited almost three and had no email, which was the form of contact he stated they would be using. I waited for the charge to be posted to my checking account and then call to bank to dispute the charge. They credited my account for {$100.00}. Today XX/XX/2023 I received the paper from my back which stated there was no error of the charge and that the would be reversing the credit as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
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:
We have taken a home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a Hail Claim, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work and the mortgage provider is not releasing the amount to the contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation