BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: MI
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : -, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on 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
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NV
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 express my gratitude for the efforts of the Experian in addressing certain fraudulent items on my file attributed to an alleged identity theft. However, it has come to my attention that certain remaining fraudulent items still persist, necessitating further resolution, especially in my XXXX Credit Report. I have previously submitted a complaint as a victim of identity theft, outlining the specific fraudulent items in dispute. It is crucial to emphasize that these disputed items are unrelated to any transactions for the acquisition of goods, services, or funds that I have personally authorized or engaged in. I kindly request the removal of the reporting of these fraudulent items from my credit file, which were a result of the alleged identity theft. Notably, similar information pertaining to these items has already been expunged from other bureaus, casting doubts on the accuracy and reported history of the items under consideration. Per the provisions outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I bring to your attention the following details : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-05
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  ; CPS XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: GVA Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan from XXXX for {$500.00} there intrest rent is 690.4522 % they want me to pay them back {$3000.00}. I keep contacting them but no one replies to my messages they wont even send me a statement of what I paid I Borrowed XX/XX/XXXX and been doing weekly payments of {$73.00} so I have already paid over {$500.00} I'm having trouble paying more why is it so high to pay back also my current balance last week was {$500.00} now this week its {$530.00} that doesn't even make sense and dont add up right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
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 XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH RELIANT ENERGY FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. NOT ONLY IS THIS ACCOUNT NOT MINE, BUT THE CREDIT BUREAUS ARE ALSO REPORTING INCONSISTENT INFORMATION AND THIS IS GROUNDS TO HAVE THE ACCOUNT REMOVED BECAUSE I AM OBLIGATED TO AN ACCURATE CREDIT REPORT. ALSO, ALL DATA FURNISHED SHOULD BE THE SAME SO HOW IS THIS WITHIN THE GUIDELINES OF THE FCRA? I HAVE ATTACHED THE INCONSISTENT CREDIT REPORTS. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have serval emails stating that the loan have been paid off since 2014 with Ocwen they said it was sent to XXXX but XXXX says it was sent back to Ocwen because it was paid off now both of them just been sending me back and forth with no help besides emails saying that its paid off. I was also into with XXXXXXXX XXXX saying its payed off but they never received the lien release either and I need to talk to them Ocwen and XXXX. I also have a ledger from 2014 when I was trying as well and Im just not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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 has violated my federally protected consumer rights to privacy and confidentiality under 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, 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 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 2023-04-05
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:
In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX account # XXXX has violated my rights. 


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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: LEXISNEXIS
State: NJ
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:
After reviewing my credit report I must inform you that I am NOT responsible for the listed account ( XXXX ) as I have been a victim of identity theft. 

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. 

I am instructing you to please delete the following fraudulent account ( XXXX ) and inquiries from my consumer report immediately. 

Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 

Name ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; 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 CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX ; Address - XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX  I was a victim of fraud when my Chase home-equity line of credit was accessed to withdraw {$4500.00} and transfer funds to a XXXX account ending in XXXX. This was done on line using my stolen user name and password. An investigation was initiated and 5 months later, today, I was given its resolution, which was that such transaction did not classify as fraud because it had been made on line with my user name and password. I did not make any such withdrawal so I disputed this decision. I immediately called the XXXX XXXX, which requires a complete account number for me to recover my funds. Chase claims they don't have it. XXXX XXXX  also operates as XXXXXXXX XXXX in XXXX. It is FDIC insured and has routing number XXXX, I want to strongly complain about Chase Bank for their poor handling of my claim, which took 5 months to resolve. XXXX XXXX  is a domestic institution and they should have done more to protect me, their good-standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: PNC Bank N.A.
State: OH
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 contacted XXXX XXXX XXXX  on XXXX XXXX regarding information reporting on my consumer report due to identity theft. I was denied relationships with financial institutions and currently have one account frozen due to derogatory information reporting on my account resulting from me being a victim of identity theft. I disputed this information followed with a police report requesting that the information be blocked. I also filed a separate dispute with the CFPB ( Reference # XXXX ) clearly stating the account number to the account that needed to be blocked ( XXXX Checking Account # XXXX ). I had been harassed by a debt collection agency named XXXX so I specifically listed the account at XXXX that needed to be blocked as there is an ongoing investigation! XXXX XXXX XXXX sent a letter stating they received my dispute and had placed a block on the XXXX account due to identity theft. They didnt reference back to the XXXX account that I listed on my dispute CFPB complaint. Instead XXXX XXXX XXXX blocked XXXX account that list checking account fraud but not all of them! I recently tried to open a bank account and was denied again due to XXXX XXXX XXXX not being fair in their practices! Also XXXX XXXX XXXX is reporting several accounts from PNC bank with different status reasons. The accounts are listed below : PNC Savings Account # XXXX Closed Purged PNC account # XXXX it doesnt state what type of account this is but status lists Closed-purged PNC account # XXXX XXXX for cause-purged This inaccurate information is critically damaging my future relationships with banking institutions and needs to be removed immediately. I owe PNC no debt and any outstanding balances has been satisfied per my XXXX consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Spring Oaks Capital, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen to open a account. I have disputed this to be blocked from my credit report. It is not being blocked so please block this immediately. FTC fraud report and police report included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Revco Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been hit with a collection in the amount of {$130.00} from a collection agency that I cant get a hold of. I have tried to call the original creditor listed on my credit report as XXXX and I keep getting sent back to a collection agency that does not answer. The collection agency number I was given is XXXX and the name of this company is Revco Solutions. This collection is negatively effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX  : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-04-13
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:
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 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: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts from all 3 credit bureaus TransUnion : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT 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 2023-04-13
Company: Amsher Collection Services, 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/2022, I went to XXXX located in XXXX MI XXXX start services. I explain that I would be in Alaska for a couple of months and wanted to know if they covered the area. I was assure that it was covered, so I opened a no contract account meaning I paid my bill on a month to month basis with no obligation. The only fee I would have to pay is if I decided to reactivate the account. Once in Alaska I began to notice service interruptions and contacted XXXX. From XXXX I would have to contact them to troubleshoot because thats what I was instructed to do if service interruptions occurred. It wasnt until XXXX after I paid my bill in XXXX that I no longer had service/data. It wasnt until then a XXXX  representative explain to me the XXXX doesnt exactly cover Alaska. However they have a contract with an ( allotted amount of data ) from a local company which allows clients to use data. I had apparently reached the allotted and could no longer use data and my services were permanently XXXX. XXXX apologized for the misleading information I received. They added a detailed note to my account explaining that I am not responsible for any charges/fees moving forward after and closing the account. I now have a derogatory credit showing on my report saying XXXX sold my information to a creditor who is try to collect a debt that I am currently disputing. This is my attempt to protect myself and my credit and have it removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Easier Funding, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced XXXX XXXX, XXXX of XXXX Florida. I received 2 phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.

Company response to consumer: Closed with explanation