BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: Experian Information Solutions 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:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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 2022-06-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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: Problem with personal statement of dispute

Complaint:
I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with Experien and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While checking my credit report, i was seeing alot of hard inquires that don't belong to me, of accounts that dont actually have data for the months they have reported, there's a cap in these accounts that don't actually match.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2023 Experian Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX  Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified. 

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours sincerely, 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2022-11-30
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX XXXX became my mortgage company. In XX/XX/XXXX Mr. Cooper preformed a escrow review, this review stated I had a SURPLUS of {$130.00} and that my new monthly payment for XXXX would be $ XXXX according to the loan history the house insurance and the property taxes had not been paid yet. So I applied the surplus to principal. Then in XX/XX/XXXX, Mr. Cooper conducted another escrow review, this one showed a SHORTAGE of {$44.00}. This review also told me that starting XXXX XXXX that my monthly payment would increase to {$530.00} to cover this shortage. According to my SECURITY INSTRUMENT and the Real Estate Settlement Procedures Act ( RESPA ), I should have been given a chance to pay this shortage in full, or have it added into my monthly payment. Since Mr.Cooper did not provide me with a coupon or payment slip, I wrote a separate check ( # XXXX ) and wrote on the check that it was for the escrow shortage, and mailed it with my XXXX payment. I could not mail it with my XXXX payment ( escrow review statement was dated XX/XX/XXXX ) and was not received until after XXXX payment was mailed.On my XXXX statement I noticed that Mr.Cooper had taken the escrow shortage check and applied it to principal, I further noticed that Mr.Cooper did not reduce my monthly payment back to the {$530.00} and that they took {$6.00} from the {$17.00} extra principal payment that I was making as well. So in XX/XX/XXXX, I started sending just the {$530.00} monthly payment. In XX/XX/XXXX, I received yet another escrow review from Mr. Cooper, this one stated I had another SURPLUS of {$10.00}. Again Mr. Cooper arbitrarily lower my monthly payment without asking me how I would like to do with this surplus. Then on my XX/XX/XXXX, I noticed I had a {$19.00} overdue payment so I called Mr.Cooper asked them how this could be when Mr. Cooper stated in XXXX I had a SURPLUS? After all of this it was not until I wrote to mr. Cooper and stated thar beginning XXXX XX/XX/XXXX, that I would start paying my own escrow items and I would send them just the principal and interest portion of my loan. Mr. Cooper responded back to me by stating I can not do this because my loan did not meet the loan-to-value ratio of 80 % or less as stated in the RESPA. I looked into the RESPA and could not find anything about a loan-to-value ratio in it. Because Mr.Cooper has violated my rights in contained within the Mortgage Security Instruments of my loan and also Section XXXX of the RESPA I am asking you to help me with my request to be able to pay my own escrow items. This has been an on going issue for over a year with Mr.Cooper and is affecting my health and needs to be resolved now. 

My account number for Mr. Cooper is # XXXX Mr.Cooper address is : XXXX XXXX XXXX, XXXX, Texas XXXX Phone number : XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ok XXXX Phone : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$31.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; If XXXX and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-06-28
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Follow up on Complaint Number XXXX.filed XX/XX/2021 concerning deposit from PayPal that was never deposited into my account.

PayPal has not responded to any of my latest inquiries concerning a missing deposit of {$970.00} of XX/XX/2021 that they have only stated that the lost deposit is " under investigation ''. 

XX/XX/2021 PayPal listed a deposit to my business account for {$970.00} but then immediately " reversed '' the deposit. 
After many calls to PayPal concerning the deposit that never cleared my bank account, PayPal initiated a " provisional deposit '' of {$970.00} to my account on XX/XX/2021. 
On XX/XX/2021 PayPal withdrew the " provisional deposit '' of {$970.00} from my account on XX/XX/2021 and continued to claim the the missing deposit continued to be " under review ''. 

As of this date ( XXXX ) I have not received this missing deposit of {$970.00} in my account. 

PayPal has not responded to any recent inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX CONTACT # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated.

15 USC 1681 Section 602 A states I have the right to privacy.

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

EXPERIAN : Creditor : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : US BKPT CT XXXX XXXXXXXX Ref # XXXX XXXX : Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX. XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor XXXX XXXXXXXX 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 2022-09-21
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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:
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 602 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received a call saying that owe money to a check cashing place. The number was XXXX and left a message stating I owed money to them on several accounts. I called them back at the number they provided XXXX. They had my social security number and birthday date. Did not have my address. Tried to get it from me. I got off the phone and looked up the numbers and found out that it was a scam. Last year utilities were open in my name in Texas. I disputed it, but it is on my credit. I called the number back today and they got all mad saying they wasn't a scam. I looked up the address that was on the documents they text me and it for a XXXX in North Carolina and the company was called XXXX XXXX XXXX doesn't assist. 
The address on the documents isn't mine either. 
The phone number on the form is 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 2022-08-22
Company: Experian Information Solutions Inc.
State: WA
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 the previous 3 to 12 months, I have disputed XXXX BANK through ALL XXXX major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX BANK put this account into collections and subsequently CLOSED this account. However, according to ALL 3 CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became homeless from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX BANK erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX BANK has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the XXXX, XXXX and Experian to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )

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 2022-11-30
Company: Experian Information Solutions Inc.
State: MO
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:
My home address and employment is wrong my home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX have a personal & XXXX account with Chase Bank. Yesterday morning after multiple failed attempts to pay bills. I double checked my account via the Chase app. To my dismay I see that my account has a negative balance of {$49000.00}. I contacted Chase to find out what was going on. To my dismay my account was frozen. It appears that Chase has allowed a Garnishment on my account. I stopped by a Chase branch to pick up a copy of the order. To my surprise the order is not mine. The XXXX order has listed a social security number which is not mine and a name that is not mine. Also this order has business listed that I have never been associated with. There is a section that has a name similar to mine but not mine. The Attorney who ordered the Garnishment listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX not associated with me or my business. With that being said my business is not a XXXX but an XXXX. It's is its own entity. Which is protected from anything to do with this other person. It appears the the garnisher thought by listing a XXXX that it would make it easier to gain access to my accounts. Again Chase should have never allowed this account is its own entity. None of the personal identifiers match including social security number names or addresses. This should have been a red flag to Chase bank. This needs to be rectified immediately. Also this court order was issued by a court outside of my home state which is XXXX. A New York state XXXX XXXX should not be enforceable. My other account business is for an LLC based out of the state of Wyoming. Again a XXXX XXXX XXXXXXXX order shouldn't have been enforceable. Also myself nor my business has never done business with the company who sent the Garnishment order over to Chase. That companies name is XXXX XXXX. However Chase is at fault for not questioning the information they were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 : XXXX/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, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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