BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2022-07-26
Company: EQUIFAX, INC.
State: NC
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 forwarded a letter to the Equifax Credit Bureau dated XX/XX/2022 to DELETE this erroneous information. I think you have not validated this account in agreement 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 # XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased seeds for my garden on XX/XX/2022. The vendor was advertising an end of the year sale. I have all of this documented via email and my checking account transactions. The transaction was for {$760.00}. I was instructed the items may incur shipping delays and will be shipped as soon as possible. I was instructed I would receive my items no later than two weeks from the date ordered. That would place delivery on XX/XX/XXXX. I contacted the company multiple times on and before XXXX via email and phone with no response. I filed the dispute with PNC Bank on XXXX because I never received my seeds. I was denied my first dispute because in an email where I was asked what happened, I did not stated the estimated date of arrival. I stated that I purchased the seeds and they were suppose to arrive in XXXX weeks but I did not give the exact date. So I called a XXXX times and explained what happened and they reopened my case. This was in XXXX. I called them today, XXXX and they literally told me they dont know when XXXX going to get my money back. The dispute department told me they have until XXXX. I asked what will happen in XXXX and they could not tell me if I would get my money back or not. I spoke with a representative by the name of XXXX today and on a recorded line he basically told me its nothing they can do. I thought customers has some level of protection against things like this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I left my home because of a job transfer in XXXX. I attempted to sale my home ( Loan # XXXX ) in XXXX but CitiMortgage took so long to approved it, the buyer pulled out. During that time the housing market started to deteriorated and I found myself upside down on my loan. I could not afford to pay for XXXX homes and I defaulted on my loan with CitiMortgage. I attempted a deed in lieu of foreclosure, but CitiMortgage denied it, alleging the title was not clear due to an erroneous entry for the satisfaction of a second mortgage by the previous owner. CitiMortgage have continued to charge fees on this loan for the past 7 1/2 years to the point the fees owed are more than the actual mortgage balance. I was notified twice by CitiMortgage the property would be foreclose on, but never did. Today, XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and I requested another deed in lieu of foreclosure, but she told me because is an active foreclosure, no date set for auction, they could not do it. She said I could try a short sale. CitiMortgage never offer me any other help or recommended any solutions this situation. 
CitiMortgage continues to force me to carry this bad debt and I have not been able to purchase another home for my family.

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 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These inquiries should be deleted from credit report. I did not authorize. some inquiries are like same or next day. 
XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX I XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Automotive

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 2017-03-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Was not receiving statements in the mail. Payments were being sent with statement. I had called to see about reversing late charges and offered to pay the initial purchases but was told only half could be taken off. I have since paid the balance in full including all the late fees and fincance charges and interest. I want it cleared from my credit history.

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 2017-02-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
They are contacting and harassing family members and friends and have illegally made them the guarantor of my lease and put my debt on their credit reports without them ever having signed or consented to anything.

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 2016-10-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.

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 2022-04-21
Company: LEXISNEXIS
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:
my credit report at LexisNexis is reporting wrong information, that belong to another person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CNG FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
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:
I am a XXXX  currently working in California on a travel covid assignment after having a new card sent to me because I reported a charge I didnt make chase sent my new card to the hotel I am currently staying at ... about a week later a spoke with a chase employee over the phone because my card was being declined she said it was locked due to suspicious activity I informed her that I have the card in my possession told her I live in New York but was in California working she then unlocked my card ... a week later I tried to log into my app and found out it was locked called chase and was informed it was restricted went to a branch here in California was informed they couldnt help me because my ID is expired it expired XX/XX/XXXXdue to covid was unable to go to DMV ... govern our XXXX extend our ID.. but was told nothing they could do so Im in California with no money but have to go back to New York to prove who I am ... ridiculous I do not feel like a valued customer XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 XXXX XXXX furnished a charge off account Account number : XXXX I have never signed any written document that i owed this debt to the collector. They are violtating my federaly protected rights under the fair credit reporting act as a consumer. 
I do not know who they are and have not written consent on my end also they have not verified that i owe this debt to the alleged company. Please have this removed from all three bureaus. 

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 2016-04-11
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Have applied for a refinance on a mortgage. got a GFE letter, had a closing date setup bank change the date for closing, stating more paper need to be signed and they send a paper work which had a higher interest rate. I have requested for an explanation on the rate change. waiting for the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXXif not valid or verified properly, delete immediately. 
XXXX- XXXX-Unverified Account- delete immediately. 
XXXX XXXX XXXX XXXXif not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981

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 2022-07-26
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:
I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX CARD XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
Credit Bureau did not perform an investigation

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