BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: PCR Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: GUARANTEED RATE INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The mortgage company guaranteed rate is making it difficult to pay my mortgage. I want to pay a large sum of money on my mortgage and recast the mortgage. Tthe compay is not offering payment options that enable me to do this. When I called the company told me that I could not recast the mortgage until it was " sold '', which will take 90 days forcing me to make 3 months at the higher payment. This is NOT what they told me when I purchased the mortgage. They will also not provide a way to pay {$200000.00} dollars that feels secure. They sent wire instruction in a random email with no logo on the message and no way to verify the sender. 

The primary job of a mortgage company is to take payments. A mortgage company needs to provide customers and easy way to make payments and pay off their loans. Interest rates are high and adding barriers to payment costs me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX I have informed Oportun Inc. that there are discrepancies in the reports it is issuing to the CRA agencies, I also asked that it disclose all the information regarding the increases in the XXXX that I was charged, and so far I have not received any response. 
They continue to report incorrect and incomplete, marking charge-offs on incorrect dates especially when payments have been made to the account. I asked them to investigate and even dispute it with XXXX and they have only limited themselves to confirming that the account is verified and compliant, but they still do not confirm when the final payment date or the closing date occurred. I paid them everything, I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Marlette Funding, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company calls my employers line constantly the XXXX  do not pick up for they do not have my extension and I contacted them over 3 months ago while I hired a lawyer to take care of this account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: GOLDMAN SACHS BANK USA
State: CO
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:
I am writing to complain to XXXX XXXX XXXX XXXX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2022, XXXX XXXX Account number XXXX, Date opened XX/XX/2022. Please provide proof of how you investigated these accounts belong to me.I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
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:
I am writing to bring to your attention an issue regarding my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax to report and dispute the following inaccurate information on my credit report. To date, I have not received a response from them. Please find below the details of the disputed accounts and the corrections required : The following account does not belong to me : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$720.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$660.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2200.00} Request : Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Companies contacted several people who are related to me notifying them that Im having an issue with my credit card payments and asking them to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls daily from various phone numbers listed across the country. The name that shows up on caller ID is First Credit Ser ( vices ). Never received any notification from company, no explanation. I do not want to engage personally as this is totally unknown entitiy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EGL US, LLC
State: TX
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:
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with BMG with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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:
In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my Rights. 15 U.S.C section 602 A. Sates 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Inquiry XXXX XXXX XXXX XXXX has violated my rights . 
Inquiry XXXX has violated my rights. 
Inquiry XXXX has violated my rights. 
Inquiry XX/XX/XXXX  XXXX has violated 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 2021-06-30
Company: EQUIFAX, INC.
State: LA
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 SUBMITTED MY FTC REPORT TO EQUIFAX CONCERNING XXXX XXXX XXXX AND XXXX XXXX. I DID NOT KNOW AT THE TIME WHO IT WAS BUT I BELIEVE THAT MY BROTHER ( WHO IS NOW IN XXXX FOR MURDERING MY XXXX  ) IS BEHIND THIS. THIS IS IDENTITY THEFT AND THEY HAVE YET TO REMOVE IT. I HAVE SUBMITTED A POLICE REPORT IN THE PAST ABOUT THIS AS WELL AS FRAUDULENT INQUIRES AND THEY STILL HAVE NOT REMOVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting an identity theft account on my credit report from XXXX  or XXXX  and I have notified over and over that isnt mine and Im a victim of identity theft and they have ignored that and tried not to do their job. I didnt open this account and it isnt mine. My information was taken over and used through open multiple cards under my name. I have filed an FTC identity theft affidavit and if this isnt resolved I will pursue legal counsel

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX # XXXX After a careful review of my credit report, I notice that I owe an outstanding balance. I would like to let your company know that I am disputing your claim. Under the FDCPA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof on how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I mobile deposited a check for {$40000.00} into my primary Chase checking account ( which also has my wife 's name as a co-owner of the account ). My mobile deposit limit is {$75000.00}. The check was written on my wife 's account at XXXX XXXX XXXX. 

I received instant confirmation that the check had been accepted but none of the amount was immediately available. ( I did not object to a short delay. ) Within 48 hours the money was pulled from my wife 's account and I received notification that there was an " extended '' hold on the funds until XX/XX/XXXX. 

Since XX/XX/XXXX, the money has been in limbo ; not in my wife 's account, not in our joint account. 

There was no explanation from Chase as to why they placed an " extended hold '' on my funds and in fact, I received no communication at all from them. On XX/XX/XXXX I contacted Chase online about the ridiculous hold and they directed me to the " fraud '' department. 

Today I called the fraud department and inquired as to why there was a hold. They refuesed to answer with anything more than " policy ''. No explanation of what that policy is or why it was invoked in this situation. Moreover, I asked where the money was since it was neither in my wife 's account or our joint account. They again refused to answer. 

I was then asked what the purpose of the check was. I advised that was none of their business. 

After being on hold for XXXX minutes, Chase advised they had called XXXX XXXX XXXX and confirmed the check and had released the funds to our joint Chase account. 

There was literally NO reasonable explanation offered for why the extended hold was placed, or where the money was ( we know of course Chase had the money and was enjoying an interest free loan of {$40000.00} ). 

This was a remarkably insensitive " it's just our policy '' explanation and ignored the fact they were clearly illegally denying me access to my funds. 

As the " customer service '' fraud agent proudly congratulated himself on getting my money released ... ..I asked ... .since it was that simple, why didn't you do this 7 days ago rather than deny me my funds? No answer. 

This just can not be allowed to continue as a business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017, I placed an order with XXXX via XXXX ; leasing a new device, and establishing a line of service ending in XXXX. I was migrating my existing line and existing device from a company line to a personal line. I ended the company line. I was given a temporary line ( XXXX ) while they completed the migration of my existing line, and was told upon completion it would replace the temporary line. 

That did not happen. The customer service representative kept a second line open against my permission, Then made it look like I requested cancellation so Id be charged an Early Termination Fee. I contacted XXXX XX/XX/2017 and reported their error. I was then told I was responsible for the early termination fee. Of course I refused due to their misstep in transferring my service. They would not fix it. So I made a complaint to the Better Business Bureau. Complaint # XXXX. I spoke to XXXX several times via email about my complaint. He lied to BBB saying he never heard from me, which automatically closes the case and the account went to collections for {$440.00}. I. C. Systems, Inc then increased the charge to {$460.00}. Which is illegal. 

I have the emails of correspondence which I will attach. I would like this collection account deleted immediately from my XXXX credit report and never added again to any of my credit history with all three bureaus. The fact they did not own their mistake and then the collection agency taxing on more money is horrible. 

I have disputed several times over the years to no avail. I recently discovered CFPB so here I am making this complaint.

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