BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

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. 

Accounts REASON XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX  XXXX  XXXX CREDIT ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, 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 2023-03-20
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, my mortgage was sold from XXXX XXXX to Mr. Cooper Mortgage. Our first automatic payment was made on XX/XX/XXXX. The following day, Mr. Cooper tried taking a 2nd payment to " ensure their were enough funds ''. They claimed that there was a " online web payment '' made by the customer ( me ). 
XX/XX/XXXX ( XXXX Bank record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} We had to call our local bank to let Mr. Cooper know that the original payment had cleared and not been returned. 

The second payment caused an overdraft fee. 

The following month, 3 more payments were deducted from our account. Mr. Cooper continues to claim that online web payments are being made and that they are not responsible. 

XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Pending Payment of {$2000.00} We have not authorized or made ANY payments to our mortgage provider ( Mr. Cooper ), outside of the Autopayment that is arrainged. 

I've now attempted to resolve the situaion on XX/XX/XXXX via telephone with Mr. Cooper, and XX/XX/XXXX via telephone where we've reached out and called XXXX Bank to resolve any issues of payments. 

I've been unsuccessful and would now like to file a complaint against Mr. Cooper after seeing that there have been multiple lawsuits against Mr. Cooper and their billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Over the years I've tried to open an account with Chase but have been denied. I spent a lot of time trying to figure out why I was being denied and have never gotten a straight answer other than I have a very old derogatory account. I believe that this is correct but the account is due to identity theft and should be written off. I'm trying to get a loan through Chase mortgage and can get a better rate if I have a checking account with them but I'm being denied because I'm a victim of identity theft. I would like to do anything possible to resolve this so I can have an account with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

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

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 2022-05-25
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/2022 I had a transaction of {$6500.00} sent through XXXX pay for XXXX English bulldogs that I was supposed to got on XX/XX/2022. On XX/XX/XXXX I tried to contact the seller but I noticed I was blocked on the phone and also on XXXX, so I had no way to contact the seller. I instantly figured I was scammed so I contacted my bank which is Chase bank to make a dispute. My claim got denied because they said it was through a third-party and that theres nothing they can do to help me. I was frustrated and confused because Ive never got scammed before and I felt like they wasnt taking my situation seriously and couldnt really understand why my bank wasnt trying their best to resolve my problem. I also tried to get a refund from XXXX pay but they also said that theres nothing they can do since I basically agreed to send the money. I contacted The Federal Trade Commission and made a report. They suggested that I make a claim with CFPD to see if its anything you guys could help me with. I honestly just want my money back, {$6500.00} is a lot of money to just give up on even if I dont get the whole thing back I still would like a financial release.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: MO
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 a copy of my updated Credit Report. FCRA 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 correct : XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; and XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00}.

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 explanation
Consumer complaint received 2022-05-25
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had unauthorized charges on my checking account from random strangers I didnt know that hacked into my account and sent XXXX payments to themselves. The totals equal {$7900.00}. I am working with truest bank in an investigation and Im hoping they will restore all the money to my account.

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 2021-06-06
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, I made the horrible decision to have a one time visit for a fully covered annual well visit with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX which was an unpleasant experience. This was my one and only visit in XXXX due to Covid-19. However, XX/XX/XXXX, a collection randomly popped up on my credit reports with an original creditor of XXXX XXXX XXXX in which I have never received any bills or communication from nor have I even had a visit with furthermore for XXXX. I have XXXX XXXX account in which I have only received statements for a XXXX balance for the one visit I had which has been paid. This company placed a XXXX balance that they never made me aware of nor provided an opportunity to dispute or pay but just placed in collections which is not acceptable. To date, I have not received any notification from XXXX indicating a {$52.00} balance, any statement or communication in the mail from the original creditor or agency they placed the alleged balance with that it exists outside of placing it on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ENCORE CAPITAL GROUP 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 have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Subject : Urgent Complaint Regarding Account Closure and Missing Funds Dear Citizens Bank Customer Service, I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the recent closure of my bank account and the unauthorized removal of my funds following a wire transfer in question is XXXX. 

I have been a loyal and satisfied customer of Citizens Bank, and it is disheartening to find myself in this unfortunate situation. I initiated the wire transfer on XX/XX/2023 to XXXX XXXX, and the amount transferred was {$9800.00}. The purpose of this wire transfer was an emergency. The transaction was carried out with utmost care and in accordance with the procedures provided by Citizens Bank. 

To my shock and dismay, I received a notification shortly after the wire transfer that my account had been closed due to a " security concern. '' This abrupt account closure has caused severe inconvenience and distress, as I rely on my account for various financial transactions and responsibilities. Moreover, the action was taken without any prior warning or communication, leaving me completely blindsided. 

What compounds my frustration further is the fact that the funds associated with the wire transfer seem to have disappeared from my account entirely. The reference number provided above is a crucial piece of evidence confirming the transaction 's legitimacy. I expected Citizens Bank to prioritize the security and prompt processing of transactions, especially those involving significant sums of money. The fact that my funds have seemingly vanished raises serious questions about the integrity and reliability of the bank 's systems. 

I implore you to treat this matter with the utmost urgency and provide me with a comprehensive explanation for the closure of my account and the disappearance of my funds. I demand a thorough investigation into this matter, as well as the immediate reinstatement of my account and the restitution of my funds. It is my sincere hope that this situation can be resolved promptly and amicably. 

If necessary, I am prepared to take this matter further by involving relevant regulatory authorities and seeking legal counsel to ensure that my rights as a customer are upheld. However, I sincerely hope that it does not come to that, as I believe that Citizens Bank values its customers and their trust. 

I kindly request that you acknowledge the receipt of this letter and provide me with a clear timeline for when I can expect a resolution to this distressing situation. You can reach me at XXXX XXXX. 

I appreciate your immediate attention to this matter and hope for a swift and satisfactory resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed the bankruptcy case number XXXX and they verified it with XXXX. The problem is it has been deleted from XXXX XXXX  since XX/XX/2021 as you will see in the document I upload. I am tired of the games TransUnion plays and also the cfpb not wanting to help. I have tried not to take legal action, but if this is not corrected I will be forced to take legal action on you both for not doing your job. All they do is send automated responses, they never even verify anything. So please one of you do your job so I can get this removed. I am not in this for the money I rather have this removed since they clearly lied about who they verified it with. The lady on the phone even gave me the number to XXXX XXXX  and guess what? They do not have it on file!!!!!

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 2023-02-13
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: CONTRACT CALLERS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have no idea who Contract Callers Inc is and they just charged my identity {$500.00} illegally. I checked my credit report using the XXXX XXXX app and I couldn't believe that I had a derogatory mark because I cleared all negative items from my credit report last year. I checked the negative item and it was an unfamiliar entity charging me {$500.00} which damaged my credit score by XXXX points and added unforeseen restrictions to myself, my family, and my household. I didn't give away my rights to preservation of consumer claims via any contract or agreement so a ) there should not be any reports placed on my credit profile and b ) there should not be an unknown entity shopping for my personal information and credentials whatsoever. This company has unlawfully acquired my credit extention and has illegally charged me repeatedly for the past 10 months while I was unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
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 Agency, XXXX XXXX Acct # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX veteran and have 100 % community care, I went to receive care from XXXX XXXX XXXX and when the hospital billed, they billed my private insurance which left a balance after speaking with them I informed them they needed to bill the VA, the bill was denied by the VA and sent them instructions how to resubmit for payment correctly. They never did and 4 years later I get a bill from a collection agency Ability Recovery Services. I contacted them and the initial individual I spoke with hung up on me and did not want to listen to anything I had to say. The second individual shared that the VA needed to send something showing I was approved for care in the community, they did provide it because I sent it in myself, I have tried calling them since then and no one answers or return my calls and the collection after I filed a dispute with the credit bureaus the result came back as correct and the account was to stay on my credit. I am not responsible for the debt, and it was the actions of the initial collector to not request payment the resulted in the bill not being paid.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
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 Pennymac Loan Services , LLC has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation