BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX XXXX, # 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 2022-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # 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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have mailed in several disputes to XXXX, XXXX, Transunion disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. XXXX 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act XXXX 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 consent. There is not a contract between XXXX XXXX XXXX and I and never has been.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX 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 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that XXXX XXXX has reported with XXXX, XXXX and transunion, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer.

Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802

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 2022-09-18
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
From 2008 till 4 months ago I thought the only option I had was forbearance. Navient said my payments would be between 50 to 95 % of my XXXX only source of income. Recently got on XXXX $ monthly IDR. More than {$30000.00} interest added.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Chase multiple times before using my card to purchase travel to verify how the redemption process works In XXXX   2019. I was told each I could redeem towards travel however I was never told the travel had to be purchased through Chase. I asked for the calls to be reviewed and was told it would take 3 weeks and pretty much called a liar. I am leaving the XXXX and need a resolution due to misinformation. I spent {$4000.00} and cant redeem my points earned towards my travel purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Region charge overdraft fees for over {$180.00} in 2 days same day {$100.00} same day {$100.00} today the charge me {$100.00} even if make deposit {$1500.00} and i try to stop check they said that i have to pay {$36.00} for stop and i agree but now is {$36.00} for overdraft plus {$100.00}. is not fair. please they charge a lot money and i receive payment every week.

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 monetary relief
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: CA
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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from a company called TrueAccord. According to their email their contact information is support@trueaccord.com, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to XXXX XXXX XXXX with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Shell Point Mortgage, a division of Newrez, is my mortgage servicer. This company has played delay tactics to provide me options for forbearance relative to COVID19 Hardship and other loss mitigating options which has led to foreclosure proceedings. Her customer service does not have answers, the single point of contact is more than busy all the time and there is no supervisor if communication goes haywire. 

My children have no place to stay this winter if foreclosure proceedings conclude summarily since being intensified by Shell Point Lawyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a phone call from XXXX XXXX, phone number XXXX, allegedly a loan officer at Loan Depot. 

He stated he was calling about a loan that I had applied for at Loan Depot. I told him I didnt remember applying for a loan at Loan Depot to refinance my home. 


I immediately questioned this. 

After several back and forth questions I think they may have bought my info from XXXX I had recently got pre-approved with another lender intending to purchase an investment property. 

It was highly disconcerting and misleading for him to say I had applied to Loan Depot when I had not. Just felt like a company trying to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXXXXXX XXXX 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 2022-11-25
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 2022-09-18
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:
agency has not COMPLIED with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion and XXXX are saying I was past due 30 days with XXXX. I was never late with them I've complained to XXXX and they stated I was never late both verbally and by letter. I dispute over and over. XXXX responds everything reporting is correct never late. Transunion responds everything reporting is correct 30 days late. I've called XXXX and they stated they would send statement as such to Transunion but they still will not remove. I've tried everything but you or an attorney

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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We have a Sappfire reserve card, the highest tier card Chase bank offers, that costs {$600.00} per year. 

The reason we got the card was to take advantage of the rewards travel program that offers credit for booking flights through Chase website. 

We booked a flight in XXXX of 2022, but upon our arrival to the airport we were told that we have no tickets. We have XXXX kids and to say the least it was very stressful. We contacted chase and they solved the problem after about an hour on the phone with them, and we barely made it to our flight. 

In XXXX of 2022 we purchased tickets through chase rewards that were also not issued and chase had to be contacted to fix this issue. Which they did. 

Now we purchased tickets again through chase rewards, for our family of five, and the nightmare began - tickets were not issues. After about 7 calls to chase over many days and more then 10 hours on the phone with them, we got three tickets issues, but the other two are not. Airline company says we have to talk to Chase, and Chase simply can't do anything. Also now we will be all seating separately because all our tickets have been separated. But It's not even clear if we'll be flying at all. 

Chase is refusing to take any responsibility or give us anything for all our troubles and time wasted. 

Their credit card is clearly misadvertised and they sell services that don't work. It is a clear scam on Chase part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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 was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation