BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: Certegy Holdings, LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Tried to cash my insurance claim checks at XXXX XXXX XXXX and was denied by Certegy. Called Certegy, no reason given so I ordered my Certegy report to see if I had derogatory information on it. Received the report in the mail and there was nothing derogatory. Called Certegy, they had no explanation. I told them I have another check same type, I am going to XXXX, they said they could not find my transactions and to call in if I get denied again. It happened again, I called them and no valid explanation or reason given. This is another sham company that does not know what they are doing. I doubt they have any sophisticated tools or technological knowledge so they just deny checks based on nothing and give no reasoning to the consumers that get denied. This is unfair practice. A reason, score and/or negative information has to be on a report for them to deny, Certegy bases their decisions on propitiatory nothing as they dont have a clue what they are doing or talking about. Nothing will come from this complaint either as usual. It just feels good to vent. Search Certegy complaint and there are thousands more complaint of people getting denied for no reason. Hello Certegy, dont pawn this off on to XXXX either because XXXX makes {$8.00} a check to cash. Close shop you crooks at Certegy.

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 2023-07-22
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
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 reportingact XXXX  account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 2023-07-22
Company: EQUIFAX, 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 am interested in processing disputes on my credit report to delete an remove all invalid data that is inaccurate an hindering my credit report. this has been an on going issue that needs to be resolved asap. alot of data causes denials on my files. please review an remove the listed items to help clear my file from all negative items asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022, we were using the ATM machine to deposit on the chase bank on XXXX XXXX XXXX XXXX. We brought XXXX to deposit that day. and the machine ate our money and stuck when i put first XXXX in. The machine said call this 800 number. 
Then we switched another machine and deposited the left XXXX + XXXX in. Those are successfully deposited. 

we called the 800 and said our {$9700.00} was ate and the number said okay that you can leave now. The amount will be credit to your account. 

We saw {$9700.00} on XX/XX/XXXX. However, after one month, i was checking the debit account, i see a reversal of XXXX $ posted on XX/XX/XXXX. 

I called Chase, they said they counted in the ATM and only found XXXX XXXX I spoke several times on we made sure we brought whole XXXX that day, and we deposited XXXX successfully, and the rest of {$9700.00} was ate by the machine. If you investigated than you shall let us know as soon as you counted that day, not after one month we are not giving a random number, we said clearly XXXX $ and we called immediately on that day. we follow the procedures, but Chase refused to talked to us anymore. They don't give us any evidence on how they counted and when they counted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: ENCORE CAPITAL GROUP INC.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax had a problem with reporting accuracy. After several attempts to get them in line with XXXX and XXXX ( not that they are perfect ) Equifax decided to take everything off my FICO report. FICO is the report that matters and I have 11 open accounts in good standing including a mortgage that has never been late NOT posted on my Equifax report!! I need them to put these accounts BACK on my EQUIFAX report. I have attached my full credit report so they can see how far off they are from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: MN
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:
Equifax continues to report XXXX XXXX against me that violate the new deal they made with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute to the three credit bureaus about a bankruptcy REF XXXX XXXXXXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

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 2023-04-11
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:
A XXXX XXXX citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Contacted Experian on XX/XX/XXXX and they refused to delete my prior address appearing on my Experian Credit report here in Minnesota. They said they could not delete this former address involved with a recent identity theft and credit fraud attempt because some creditors are still using the information. I told them it should not appear because I want no physical mail going to that address that could be intercepted by fraudsters ever again. I also quoted the FCRA law demanding the former address to be removed but XXXX XXXX in the fraud department at Experian was not impressed with my interpretation of the law or had any desire to comply with the law. I informed him I would file a complaint with the CFPB.gov website.

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 2021-06-30
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I completed and agreed to loan application fore VA refinance, 30 yr fixed at 2.75 % locked rate with a loan discount fee of 0.000 % ( {$0.00} ). ( quicken 1 ). Then received on-line the first Quicken Loan Estimate, which confirmed what was agreed upon in application. Both these on XX/XX/XXXX. ( Quicken XX/XX/XXXX ) Then on XX/XX/XXXX I received on line the second Loan Estimate which showed 4.75 % {$6100.00} loan discount ( loan cost ) Quicken 3-9 ). When addressing this unilateral change in the loan parameters ( cost of loan ) Quicken rep. said it was owing to a lesser valuation on the appraisal. The appraisal was still more than the amount of loan and the original property value they used on application was one they found and supplied for themselves. Regardless of that, I think it violates Federal Consumer Protection act to use " point system '' reserved to mutually agreed basis for negotiated rate reduction, which was not the case in this loan. The rate was offered by them as fixed and locked at 2.75 % and there was no rate reduction on the second Loan Estimate. I advised them I would not make any alterations to the original loan application and approval, I would only proceed with the already existing loan agreement/contract. They have made no change to the last posted Loan Estimate, so I still believe them to be in violation of the loan agreement and consumer fraud protections. They just finished talking to me and offered to make up the difference their miscalculations cost them by increasing the loan amount to increase the amount they could steal at closing ( as supposed costs ) which of course would change the payments, etc originally stipulated and agreed to by both parties. I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Equifax has violated my rights by reporting false information about the following : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) 15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have 3 children and one on the way and I care for my XXXX mother, and it is ridiculous that I must live in a small apartment for how many more years! Waiting for this to change?? I need this removed. Below is the information I see is totally incorrect. I have contacted Equifax with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly. 



XXXX XXXX XXXX  = XXXX for XXXX & XXXX they reported 60 days late XXXX for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  150 days late XXXX XXXX  118 days late XXXX XXXX  = XXXX XX/XX/XXXX, XX/XX/XXXX On XXXX, XXXX, XXXX in XXXX there shows no late payments. But I have them randomly in XX/XX/XXXX and XXXX. XXXX This makes no sense. 



University XXXX XXXX = XXXX XXXX to XXXX are all 180 days late. I called them many times over the years and they said I have no account with them. This is the only credit bureau showing I owe them when I own them nothing. There is also 2 accounts of the same accounts open just 1 day apart. These accounts even have the same account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IQ Data International has been harassing me since XX/XX/XXXX with repeated phone calls, sometimes more than once per day, regarding a debt I do not owe. 

I have sent letters with documentation to show I do not owe the debts, and they continue to harass me. I found out recently that they also reported the debts to the credit bureaus, which is negatively affecting my credit. 

I sent follow up letters demanding that they contact the credit bureau to remove the collections and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 Bank Of America, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : 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 any purpose.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion shows a Public record on my credit report it doesn't belong to me, I dispute this so many times and they do noting an still on my credit report I ask for the investigation documents and they don't send me notining. They violate my right by having a public record that is not mine and don't send me the information of the investigation.

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