BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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: Account information incorrect

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 15 U.S.C 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 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 2023-05-01
Company: EQUIFAX, INC.
State: NY
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:
I have reported to XXXX that they have listed duplicate car loans on my credit report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with XXXX Equifax and XXXX XXXX FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX SELF-REPORTED XXXX Balance : {$260.00} XXXX SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$400.00} XXXX XX/XX/2022

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 2023-05-01
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from XXXX online using my Chase Bank credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from XXXX. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with Chase Bank and receiving a provisional credit. 

After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Kindly update my account accordingly.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Fraudulent 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 2023-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Transaction for {$2500.00} to XXXX made on XX/XX/23 was fraudulently withdrawn from my Debit account via an online transaction. USAA has stated that the investigation results are deemed not fraudulent on XX/XX/23 and again on XX/XX/23 based on the availability of my name and address and phone number being given and correct when the transaction was completed. XXXX has submitted a compelling evidence response that states that I willingly participated in the valid transaction. Also that I have a history of other uncontested charges using the same purchase details, which is incorrect. I submitted a copy of my XXXX account that had a different e-mail address than the fraudulently used account - the only discrepancy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 non-monetary relief
Consumer complaint received 2023-05-01
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: Personal information incorrect

Complaint:
Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2023-05-01
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is verifying information that doesn't exist. The address that theybare using doesn't exist. If you would research, you will find this to be accurate.

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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX while I was home in XXXX NY someone who had intercepted my debit card and researched my mobile carrier info went into a XXXX store in XXXX CT pretending to be me. They requested an E-SIM card transfer from my phone to their phone. XXXX XXXX was the representative helping them and sent out a text message request for me to authorize this transfer. I did not see the message and never replied to it. She authorized the transfer anyways. This exact sequence of events is documented and I have the memos given to me from another XXXX store front. Once this person had my E-SIM card and debit card they were able to find my information in my phone to use my card. They spent thousands at an XXXX XXXX in XXXX XXXX CT, XXXX XXXX XXXX in XXXX XXXX, took out thousands at ATM ( s ), and CBP transferred thousands. I did not receive any fraud text as my E-SIM card was stolen, and chase allowed {$29000.00} to leave my account in hours. I called in to file a claim on all the fraudulent activity, to which Chase declined. First they said due to their being too many claims on one account they denied my refund. Then they said that because they found my card PIN they assume it was me and nothing can be done. I filed a police report the day after the incident and before I could finish explaining what happened the police officer already asked if I had XXXX XXXX XXXX also said there are thousands of cases like this, and that XXXX will not cooperate to find anyone. In an attempt to reopen Chases investigation I faxed in all the memos proving I was XXXX swapped, a copy of the police report, a hand written letter explaining what Im explaining here, and a letter from the detective attesting to what Im saying. They denied that as well. All I would like is for my money to be returned to me at any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Mr. Cooper, my loan servicer on my mortgage loan, regarding dropping my mortgage insurance the week of XX/XX/XXXX. I was told by their representative ( they record their conversations ) that if I waited until I hit the two year mark then I would not need to disclose all the substantial improvements we have made to the home. We have spent approximately {$60000.00} on two new bathrooms, new floors, fixtures, countertops, etc. Rather than dig out all my old banking records she encouraged me that the process would be easier in two weeks. I called Mr. Cooper today, two years and one day from my original mortgage note of XX/XX/XXXX and was told now that I am one day over the two year mark, I now have to obtain 65 % loan to value instead of 80 % I would have needed two weeks ago. Now they are telling me that there is nothing they can do as these are XXXX XXXX regulations. Had I not called my loan servicer and been misled I would agree with them. However, I called them looking to obtain their process to drop my mortgage insurance and was told since I was under 2 years I would need to provide all of the information regarding all the improvements but if I just waited two weeks then this wouldn't be necessary. Their answer was misleading they should have finished with " but be aware if you wait you will now be required to get to 65 % instead of 80 % ''. My mortgage insurance is {$150.00} per month. Their misleading information and encouragement to wait ( I'm guessing the individual I spoke with didn't want to take the time to go over my improvements ) will cost me an extra {$9900.00} over the next 5 years which is when you get to the next loan to value tier. I asked to speak to a supervisor and they claim she will call me but nothing we can do except to say we are sorry their representative didn't give me the correct information. In other words, it's okay to lie or just say you are sorry that their representative gave me misleading information but it's XXXX XXXX rules nothing they can do now. Unethical and unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I got a car from a dealer which the contract was fraud and I wanted to unwind and I was asked not to make the first payment by their customer representative

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 2023-03-16
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2017-12-22
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit System, $XXXX. I Have sent National Credit Systems a debt validation on XXXX XXXX, 2017 and National Credit Systems has not responded to my validation. National Credit Systems also has reported this collection to all 3 of my credit reports agency's. I have no knowledge of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: T.S. Holdings
State: CA
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 asked for verification of debt and was sent a ledger that was not the same as my move-out statement. The ledger has various charges that are confusing to figure out because payments received were not credited or placed in the right column and subtracted from the initial balance. I am being charged for an eviction that was dismissed in court. I am being charged for late fees that can not be accessed to me because Section 8 federal housing was paying the full rent so any late fees would have to be directed to them. I am only receiving partial credit for my rent even though since XXXX acquired the property my rent has always been the same amount. They are only given my credit for {$310.00} of my security deposit but from their own records if they are correct I paid {$620.00} dollars which would more than pay the debt in question and I would be entitled to a refund which was not provided when I moved out. I am also being charged for rent after I was completely moved out. Same on the move-out ledger, payments are not placed in the payment column and are not subtracted from the outstanding balance. Which makes understanding it confusing. After my attorney reached out to section 8 he informed me to contact I.Q. Data International Inc for an updated ledger. I sent a demand letter asking for the ledger to be updated based on the information I sent them. I sent my lease, move-out statement, vacate notice, XXXX contract and payment ledger, info on five-day pay and eviction procedures according to The Housing Authority, five-day notice , and court proceeding that was not provided to Housing Authority ( section 8 ) . The demand letter and supporting documentation was received on XX/XX/2023, and picked up by an individual at the post office at XXXX XXXX  per the post office XXXX  XXXX. I have heard nothing back from XXXX or I. Q. Data Inc. I have enclosed the closing letter from the attorney that represented me in court and the demand letter they sent to section 8 asking for them to pay the late fees that XXXX on XXXX claims I owe. Section 8 provided proof to my attorney that all late charges were reversed and is shown on the ledger that was sent as verification of debt to me but it is still on my credit report. I enclosed the demand letter asking for a new ledger or for the information to be corrected from XXXX and I.Q. Data Inc, I enclosed the ledger sent to me and the move-out ledger which is not the same and does not reflect the correct charges. I am asking for a new ledger and if I owe anything for that to be reflected on the updated ledger and on my credit report. For all correspondings to be in writing. Or for this to be taken off my credit report and for them to stop trying to charge me for things I do not owe, also in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX could not verify and has already deleted 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already submitted a complain in which PORTFOLIO RECOVERY ASSOCIATES stated that they would remove the debt, in which they did from XXXX but not XXXX. Please remove this debt thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 identity was stolen and I found two fraudulent accounts on my credit report. One was a collection account from XXXX XXXX XXXX XXXX XXXX with account number XXXX, and the other was from XXXX XXXX XXXX with account number XXXX. These accounts were a result of identity theft and have significantly damaged my credit score. It was devastating to discover these fraudulent accounts as they had already negatively impacted my credit health. I took action by reporting the fraudulent accounts to the credit bureaus, which resulted in a fraud alert being placed on my credit report. In addition, I contacted the companies responsible for issuing the fraudulent accounts. Although the process was time-consuming and challenging, I persisted. Dealing with identity theft was difficult and stressful. I filed disputes with three credit bureaus, and two of them took action and deleted all the fraudulent accounts from my report. However, Transunion has not yet removed the fraudulent account from XXXX XXXX XXXX XXXX XXXX with account number XXXX. It is still on my credit report as I submit this complaint, and it should not be there.

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