BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you.ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}

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 2022-03-15
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:
XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from XXXX and Transunion

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: In progress
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MS
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:
Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
i have submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such XXXX mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX  On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance 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, and I'm including it again XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX  XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 a person who stated they were a XXXX bank personnel and was notifying me that there were unauthorized transactions occurring. 
When I checked there were none but the personnel insisted they have security protections that detect when its happening to customers. They clearly had every bit of my personal information from first and last name, phone number and email that is linked to the account they then had me confirm several security updates by pressing commands on my phone as they text me. 
They even called me from an actual XXXX bank tel number. 
When I called to report it they rejected my claim as it was done through a XXXX XXXX and assumed I had transferred my life savings to my checking to and withdraw/pay some stranger in Texas, US that I have no knowledge of who that person is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
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:
I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX BANK OF XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO 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 2023-01-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Rocket Mortgage is reporting a late payment to XXXX XXXX XXXX XXXX that is a billing error. The information is not 100 % accurate and I have reached out to their XXXX XXXX whom did not want to help me. She was very mean and rude after telling her the issue. I need them to fix my credit report asap. I didnt even give them permission to report these transactions. The information they are reporting is defaming my character and i am being denied credit cards and car which has left me carless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: AZ
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 in XX/XX/2021 from a seller called Cali Styles. I notified Chase that I did not authorize the charge of {$750.00}. Chase refunded me while they investigated the claim. Chase contacted the seller name " cali styles " which furnished further fraudulent information stating that they sent me a package/ " play station '' through US Postal service and had a tracking number. Chase stated the electronic payment and this mail served as enough proof and would not defend me or refund me any further despite documentation and reasoning. 

Shortly thereafter XX/XX/2021, I had moved and overlooked mail and found this fraudulent piece of paper XXXX XXXX sent in order to feed their fraudlent activity. The USPS mail they sent weighed one ounce which clearly is not a play station. I notified chase of all of this but they will not review anything anymore from me. 

Chase will not review my claim which truly shows I did not buy anything from this company. They also wont provide me with the sellers contact information so I can dispute this further. Chase refuses to look at evidence presented. Police reports, bank statements and other facts such as I am a single female living in AZ and that I am not a married male agreeing to meet this seller in person in California on days I am working and living in AZ. Chase will also not look at evidence that it does not make sense to have a package mailed and meet in person for a sold item. Hence feeding the fraud because I did not meet this person or authorize charges. 

I have filed a police report, I contacted all three of my crediting agencies ( ie XX/XX/XXXX) to put a fraud alert on my accounts. I filed a complaint with IdentityTheft.gov. I am contact you for help as well. They told me to take this seller to small claims court but I can not because I do not have the identity or a business phone number or name. 

Please help me defend myself because Chase bank will not defend me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This bank closed my account and has almost {$2300.00} of my money plus some other funds. They called randomly and said Im banned from the bank but I have not even been to their location. This is unjust.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: IL
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:
This is not a DUPLICATE! This is related to case # XXXX. From experian XXXX screen shots will be included on here. There was no reason for my credit score change, I made no changes. My credit card balances are the same, no additional changes were made on my credit report. And in addition no additional inquiry was made from myself or authorized for anyone to do a HARD INQUIRY, on my personal credit report from experian. I am requesting my 3 credit score points be added back to my score. ON XX/XX/XXXX my score was XXXX and on XX/XX/XXXX and XXXX 2023 it went down to XXXX. There were no changes on my end and experian had no explanation for this. The 2 pictures I submitted shows this change. And that an INQUIRY caused this, although at this time MY CREDIT ACCOUNT WITH EXPERIAN IS AND WAS LOCKED AND FROZEN, which means there is no authorization for an inquiry on my behalf, and EXPERIAN FAILED TO BLOCK IT OR ALERT ME.. All the information I have provided today came from me going on Experian website, THIS ALL CAME OFF EXPERIAN website that I signed in to review.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-09-27
Company: HW Holding, Inc
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone in XXXX used my identity and rented apartment in washington DC area and left that apartment company with a balance of {$1000.00}. I had left XXXX on XXXX XXXX, XXXX to XXXX after selling my house on XXXX XXXX, XXXX in XXXX XXXX Michigan, Since then I have become permanent resident of XXXX and I presently work here also in XXXX, XXXX. 

this company said in order for me to take my name away from their call list they need me to file a formal report to CFPB and police. But Michigan police said I need to come in person to file the report as they don't except online complaints. 

Hence, I hereby request you to please help me in this regard. I have XXXX credit score and presently have business in Michigan and own a house too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: SLM CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The company ( sallie mae ) is constantly calling me from early in the morning to late at night. Contacting people outside of myself and my cosigners harassing them for my information after I've already talked to them. I've asked multiple times for this to stop they do not. I've talked multiple times to them about working with me on payments but they trick me into only paying the interest and the principal of my loan has at least doubled on EACH of my loans. I've had to let one default and am close to having to default on others because they simply will not work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The following fraudulent entries appear on my ChexSystems report: 

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 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 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 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 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 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 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 explanation