BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote to the credit bureaus ( XXXX, XXXX & Equifax ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote to the credit bureaus ( XXXX, Transunion XXXX XXXX ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.

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 2021-06-02
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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:
I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( Equifax data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet Equifax, XXXX, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is in regards to my Chase visa credit card. I have been a customer of Chase Bank upward of 30 years. I found out a transaction at XXXX was being declined {$200.00}. Just prior to that I had made XXXX payment from my same account and login where I have checking account ( I have checking/saving/credit card all at Chase..same website ). still declined. So I called Chase card..two operators one after another the pinnacle of rudeness and unhelpful attitude..I kept requesting that the hold be removed. The holier than thou and condescending attitude displayed by specially this lady account manager who upon asking 8 or 9 times by me connect me to a supervisor completely ignored me and was being hostile and extremely offensive and rude.Noteworthy I had made XXXX payment just in the prior month..instead of being appreciative they treated me worse than a deadbeat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to submit a complaint against Paramount Residential Mortgage Group ( PRMG ) concerning the misallocation of funds in my mortgage account. This is includes FHA Covid-19 National Emergency Standalone Partial Claim o {$54000.00} in XXXX of XXXX DEO Homeowner Assistance Fund awarded {$49000.00} on XX/XX/XXXX o Despite receiving the both FHA Covid-19 Partial Claim and the DEO Homeowner Assistance Fund to cover past due amounts and 14 months of forward payments, I still face significant financial difficulties. PRMG sends contradicting letters and statements, claiming my account is past due in the amount of {$18000.00} and that my home may go into foreclosure??? while also stating it is in forbearance. This misallocation of funds, harassment, and inconsistency violate my rights as a homeowner.

PRMG has not provided information about programs I may be eligible for under the American Rescue Plan, the extended measures of the CARES Act that provide relief for homeowners impacted by the Covid pandemic, or the expansion of Covid-19 Recovery Loss Mitigation Options Mortgage Letter dated XX/XX/XXXX. Their actions add to the challenges that Americans face as they recover from the financial hardships caused by the long-term effects of the Covid-19 pandemic. This situation is particularly concerning for homeowners who may not have the resources or understanding of their rights, I especially worry about the elderly population and those less fortunate. 

In addition to these concerns, I have encountered difficulties accessing the equity in my home, which I need to make necessary repairs and updates, my windows and doors to be energy-efficient. 
I request a thorough review of my account to ensure correct allocation of all payments and no unwarranted charges. If errors are found, I demand a correction and an adjustment of my account balance. and would like an itemized copy of their findings once review is complete for my records. 

I kindly request your assistance in resolving this matter with PRMG and ensuring that my rights and the rights of other homeowners are protected. Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
*** Identity Theft Related, FCRA Requires immediate response and resolution within 5 Days *** Credit Reporting Company. Please see attached documents. XXXX XXXX has deleted the Bankruptcy, Address, and and even all the inquires it had. Please do the same. This Bankruptcy record is proven to be inaccurate and not mine. Please delete immediately I am tired of waiting. You all have kept this lie on my Credit report for 7 years! I am due some compensation these violations and failures on your part. Please delete this record 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 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXX my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by XXXX, XXXX, and XXXX. In XXXX of XXXX I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreported : XXXX, XXXX Inquiries : 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
Consumer complaint received 2021-07-24
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that XXXX XXXX sold my account to Receivables Management Partners Llc when my account did not go into default for failure to pay. I had spoken to multiple representatives at XXXX XXXX because my payment for XX/XX/2021 never went through, even though it did on my bank account and nobody seemed to know where the payment went. They had me forward my request to a supervisor who never got back to me about the matter. Each time I spoke to someone there I asked them to assure me my account wouldnt go into default, which they assured me each time it wouldnt. 

I have attached my receipt for said XXXX payment, the emails I sent regarding the matter to XXXX XXXX which they never responded to, and the letters I received from the debt collection company. 

My complaint is about both XXXX XXXX for selling my account to a debt collector after being told it wouldnt and for also not being advised it would be going into collections. 
My complaint is also for Receivables Management Partners Llc, the debt collection company, for never sending me an itemized bill from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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 Reporting act XXXX 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 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 2023-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened :XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User

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 2018-09-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
Fifth third bank has placed a hold on a certified check/cashiers check that has certified funds. I called them and was advised they can do nothing about the hold. this is a violation of Regulation CC for funds availability where certified funds checks should be available the next business day. I have also cashed/deposited this same exact check there before and it has cleared with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 2019-08-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is  not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, XXXX XXXX XXXX stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. XXXX XXXX Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
MY LOAN HAVE GONE UP TO A VERY HIGH AMOUNT THAT IN CAN'T PAY WITH THE INTEREST THEY HAVE ON THIS LOAN. MY LOAN IS GONE UP TO XXXX XXXX XXXX OF DOLLAR, I JUST CA'T AFFORD IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While checking my most recent credit report, I noticed 3 hard credit inquiries and personal identification information that I did not authorize, I am unaware of, and believe to be fraudulently made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report and believe these to be fraudulent. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 
I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an FTC Report # XXXX, as well as my official License state ID, Social Security Card, and Proof of current Residency. If anything comes verified, show me signatures and original documents showing true accuracy.

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