BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA 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 2021-03-08
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the federal law as stated by the FTC, and HJR-192, I am THE ORIGINAL CREDITOR. The following accounts have been disputed and have still been reporting illegally to my credit profile. 

By law!!!! None of these accounts can be Verified by a natural person of these entities. 

It is illegal to report and furnish my information, and is illegal to report deceptive and misleading information. 

***IC SYSTEM***, ***XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectors the law states that third party debt collectors do NOT have the rights to my federally protected consumer information, and they by law can not say I owe any debt. These corperation 's are in several violations by stating they have verified these alleged accounts. This is is false statement, and if not removed immediately..these corporations and the credit reporting agencies reporting these illegal accounts will face civil liability per 15 usc 1692k in the amount of {$1000.00} for ever violation found, to me the consumer as stated by federal law.

This is the last chance to cure as I will seek monetary relief for this harassment. 

**IC System** provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

XXXX XXXX XXXX XXXX XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

**XXXX  XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

THESE INQUIERS ARE UNAUTHORIZED **XXXX  XXXX XXXX ( Inquiry from XXXX XXXX ) ** ** XXXX/XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX/XXXX XXXX  ( Inquiry from XX/XX/2020 ) ** **Coaf ( Inquiry from XX/XX/2020 ) ** XXXX XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX XXXX ( Inquiry from XX/XX/2020 ) ** The following personal information is incorrect and needs to be removed for proper and accurate correspondence. 

( XXXX XXXX XXXX XXXX, XXXX XXXX md, XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD 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 2019-10-01
Company: Kriya Capital, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX allowed an unauthorized user to discontinue service on my account without my knowledge. I found out about this through a collection agency and then contacted XXXX XXXX. They admired fault because my service should not have been able to be taken out of my name without my permission. Two years later this balance is back in XXXX XXXXs system and a new credit company, credence credit collection management has my account. I called both XXXX XXXX and credence and explained how this balance was resolved. XXXX XXXX said to call credence and ask them to give the account back to them because its frozen and they cant readjust it. Credence refuses to acknowledge that XXXX XXXX wants the account back and is being rude, wont let me speak to a supervisor and isnt trying to help me resolve this whatsoever. They just keep insisting the debt is valid. They finally said the account is under review, but said they cant give it back to XXXX XXXX when two XXXX XXXX reps told me thats the only way. My credit has been severely impacted from this now for almost 4 months and I need help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two collections against me from a company called First Financial Asset. ( Account numbers XXXX and XXXX ) These are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my credit files. This was the first of XXXX. 

I disputed these with all three bureaus and not only did First Financial Asset respond that they belonged to me, they left them on my file AND they updated them again for an additional month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
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 FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX Account # XXXX I demand the above aforementioned account be removed immediately. I have read from FTC & CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should not have been noted as foreclosure initiated or should reflect past 90 days delinquent. I also understand you have 30 days to complete this investigation. 

The above aforementioned account never foreclosed. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, not FORECLOSURE INITATED in the Remarks field. 0 should reflect in the Past Due -90 days field.

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 2021-06-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my XXXX. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is a auto loan in my name dated back to XX/XX/XXXX Credit Acceptance Corp XXXX XXXX XXXX, XXXX mi, 48086-account number on credit report is # XXXX. I have requested the original documents over and over. With no results only harming calls, they got my number from when I initially called to inquire why they were on my report. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # 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 2018-06-07
Company: AES/PHEAA
State: MI
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:
On XX/XX/XXXX, I received an email from several student loan companies telling me it was time to re-certify for Income-Based Repayment. On XX/XX/XXXX, I filed re-certification paperwork with www.studentloans.gov -- copy of email verification attached. On XX/XX/XXXX, I received notification from American Education Services that the student loan re-payment paperwork was received from www.studentloans.gov -- copy of email attached. On XX/XX/XXXX, I received an email from American Educational Services that I was denied the request for income-based repayment, with no explanation given, and told to see an upcoming letter for the reasons -- copy of email attached. I recently received TWO letters on XX/XX/XXXX from American Educational Services, both arrived on the same day and both dated XX/XX/XXXX. The first letter stated that I was denied because " I applied too early '', the second letter once again stated I need to re-certify for Income Based Repayment given a due date of XX/XX/XXXX. Then rejected for " too early '' and told to reapply again with deadline. I called the company today on XX/XX/XXXX to discuss the issue. The customer service representative told me I should consider re-applying in XX/XX/XXXX!!!, because of some XX/XX/XXXX date in their system, despite the fact that the letter has a deadline of XX/XX/XXXX. I told the rep about the XX/XX/XXXX date and the rep said " try applying again end of XX/XX/XXXX and see if that works ''. Terrible! I have not had this kind of problem with ANY other student loan company. All my other student loan companies have received the same info from studentloans.gov at the same exact time in response to annual re-certification and approved my request with no hassles. I am greatly dissatisfied. People should not be treated this way and have to be at the mercy of random games played by a student loan company, when you have no clue what you actually need to do to satisfy their rules for Income-Based Repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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 have checked my EQUIFAX credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Equifax did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. Equifax never had a permissible purpose Under 1681b ( a ) 2. I never instructed EQUIFAX to furnish this report and I never consented to this report in the first place. The XXXX fraudulent accounts are XXXX paid charge-off accounts with XXXX XXXX XXXX XXXX for the amounts of {$250.00} and {$230.00}. I have never banked with this company. A Student loan for XXXXXXXX XXXX XXXXXXXX. I NEVER had a school loan. XXXX and XXXX removed this fraudulent student loan but Equifax remains. XXXX told me on CFPB that the tradeline will be removed on all bureaus. A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These XXXX accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent Equifax and my proof of identity and the CFPB complaint showing XXXX  was to remove all traplines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After my experience banking with US Bank, I can say that I do not trust them to service my mortgage loans. Their systems, processes and management style are extremely inefficient and incompetency is a severe problem with even the smallest of requests. I would not and will not be recommending them. Sadly, the issue isn't with customer service ( they've been extremely helpful ) it is with US Bank 's nonsensical and inefficient procedures and company organization. 

Here is my story : On XX/XX/2019, I sent a request to US Bank to send me my credit from DC 's Tax and Revenue office. I called them to confirm receipt of my request and was told that it had been received and a research request had been opened. I would receive my refund by XX/XX/XXXX. I called US Bank several times from XXXX to XX/XX/XXXX to check in and was reassured that they had all the information that they needed from me and that they were working on getting my refund. No worries. 

I called on XX/XX/XXXX and was told that there were NO updates to the research. Their Tax Team reassured me that they had made a request and that someone would get the request fulfilled. However, when I spoke to the Adjustment Team at DC 's Tax Office NO ONE from US Bank had sent a request for a refund. When I questioned the rep from the Escalation team about this, they weren't able to explain. The rep called DC 's Tax Office herself and was given instruction on how to file a request for credit with their office. They simply need to send a request in writing via email. Over four months and US Bank was NOW doing the supposed research to figure out the process for requesting a refund - it wasn't even someone on their research team. What was even more frustrating was that the Escalation rep couldn't do anything with the information she received other than put a note on my request for this so called " research team ''. This is a waste of time for myself, the Rep and this research team. The rep should have been able to send this request herself or send me to someone who could get this handled IMMEDIATELY. 

So now its over four months and I'm still waiting on them to send this email. There isn't even a process for resolving and expediting an outstanding issue like mine where it's clear that they were in the wrong. I've had to reach out to several Audit Managers via XXXX because there are no accessible contact information other than the generic customer service email. 

No one has called to apologize and/or help me. I am regretful having to use them as my mortgage company. I would not recommend them and highly suggest going for a bank that cares about thoughtful management and processes and most importantly about immediate service.

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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello! 

I received several emails from Bank of America yesterday ( XX/XX/2023 ) regarding the opening of a new account in my name, in which I did not apply for. It seems to be fraud and that someone has my information and is attempting to open an account in my name. 

I am currently on hold with Bank of America in an attempt to file a fraud complaint and close the account. I was told I should file a complaint with the CFPB as well.

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 2021-07-26
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: IN
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 : XXXX from 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location informati
on by debt collectors.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXX  I filed a complaint due to inaccuracies being placed on my consumer report by Experian. Today is XX/XX/, upon my discovery Experian has not contacted all of the furnishers that I disputed on my consumer report. They only have two disputes on file for XXXX XXXX and the department of educationXXXXXXXX XXXX  This is a federal violation of the FCRA, as credit reporting agencies have to contact furnishers within five business days when a complaint/dispute is filed.

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 2023-06-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1

5 U.S.C 1681 section 602 A. : States that 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 permission in written instruction. 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I attempted to request a larger spending limit with JP Morgan Chase. Spoke with a representative and provided required information. I was then told I would not be award a spending increase at this time and that a letter would be sent to my home within 10 days regarding my credit inquiry. I waited 30+ days for my reasoning for credit denial for a larger spending limit and have yet to receive it. 

XXXX and XXXX reports were pulled and my credit score dropped XXXX points on XX/XX/2022 ( According to Chase XXXX XXXX ). On XX/XX/2022 my credit score jumped XXXX points according to Chase 's XXXX XXXX XXXX with a XXXX Score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022. 
I never authorized hard inquiry with this financial institution.

Company response to consumer: Closed with explanation