BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SEVERAL WEEKS AGO I PRESENT A FRAUD PROBLEM TO MY BANK ACCOUNTS FRAUD DONE WITH THE DEBIT CARDS CARDS THAT I NEVER HAD IN MY POSSESSION, OF HER I ONLY HAD ONE I CUMUNIQUED ME WITH THE BANK AND I LET THEM KNOW ABOUT THE FRAUD AND ALL THE TRANSACTIONS MADE WITHOUT ME CONCENT, THEY STARTED AN INVETIGATION AND THEY ONLY TOLD ME IN 10 DAYS OF INVESTIGATION THAT THEY COULD NOT RECOVER THE MONEY, THEN AS WHO AM I THAT IS LOSING ALL MY MONEY AND THE ACCOUNTS IN NEGATIVE, FRAUD FOR MORE THAN XXXXXXXX XXXX DOLLARS, THAT RESPONSE TO A CUSTOMER THEY DIDN'T WANT TO RESOLVE ME THEY DON'T HAVE CUSTOMER PROTECTION, I MADE SEVERAL CLAIMS AND I ALWAYS KEEP UP TO DATE AND CALLED TO KNOW ABOUT MY CLAIMS BECAUSE I DIDN'T GET A LOT OF CONFUSION EVERY TIME I CALLED THEY ASKED ME THE SAME QUESTIONS AND THEY DIDN'T KNOW HOW TO ANSWER THEM, I NEED HELP TO RECOVER MY MONEY SINCE WELLS FARGO DOES NOT WANT TO RESOLVE.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Was not notified of investigation status or results

Complaint:
All three bureaus have failed to respond to the letter I sent via dispute online that requested them to respond within 15 days due to their failure to address the issue with my XXXX XXXX XXXX account. Please remove as I gave them a specific timeline to provide me with the sources they used to validate the loan, people they talked to, etc. Per FCRA I had every right to request that within 15 days it has now past 15 days ( XX/XX/XXXX ) So please remove it per the FCRA immediately. Remove the item immediately as they were given sufficient time to provide me with the information but could not produce it and or refused to produce it when it's my right per FCRA to see that information.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, Equifax, and XXXX are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. 

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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 2019-11-21
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Accounts are charge offs

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 2023-11-26
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a victim of identity theft and my file XXXX has been suppressed due to the severity of usage of my identity I have did reports and still nothing has been done to clear or correct this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed for dispute to update address that is my correct address and it did not update or correct it. Also other accounts and collections that have other address which do not belong to me are on my credit report that I would like to be removed because it does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: FL
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:
It has been over a couple of months since Experian raise my credit score, XX/XX/XXXX I paid off four collections towards my credit file to start restoring credit and Experian has been stagnant of raising my credit scores, the four collections I have paid upto date is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I am requesting for Experian to raise up my Credit scores for I have paid up on four collections and I am paying on the credit I do have. I would really appreciate.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account XXXX XXXX XXXX, for the amount of {$520.00} 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 2021-08-27
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Deceptive practice/Poor web design? : I log into chase 's web site to pay my bill electronically and select " remaining statement balance '' radio-button thinking this is the amount to pay so as not to be charged interest on purchases. But it isn't, I'm charged daily/variable APR retroactively on purchases because I hadn't paid off the " current balance ''. 

XXXX. How could that be? Mistake # 1, my bad, I typed an '8 ' instead of '9 ' resulting in a significant underpayment typo. Mistake # 2, Chase 's bad, because of the subtly deceptive payment interface/bad UI design I routinely use to pay off my account balance. I usually do a perfunctory check of my " account activity '' on chase 's web site to check charges but it is so slow, and cumbersome that when I have many charges it takes forever to update and unfortunately ( for everyone ) the " interest charge '' is the last transaction at the very end. Wait, wait, and wait some more. Fortuitously, it was when I stopped waiting and downloaded pdfs of my statements to verify transactions that I discovered the APR charges. So failure to wait, forever, is mistake # 3. 

So there's a HUGE difference between selecting " remaining statement balance '' meaning interest will be owed, and " statement balance '' no interest owed for payment. So why not make it explicit. Highlight in red, use an asterisk, flashing font, something. TO AVOID INTEREST YOU MUST PAY CURRENT BALANCE. After realizing these aforementioned " mistakes '', I more carefully perused Chase 's S-L-O-O-O-W website. Even under " account Activity '', sub-menu popup panel " .. /Credits/Purchases/Fees Charged '' I didn't see an amount for interest charges. It is in the pdf statement, on the web it takes perseverance to find. Deceptive, typical UI trick. 

Yes, I filled a survey on their website and complained to customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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 Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a second complaint as after trying to modify my mortgage after a Covid forbearance my servicer of my mortgage, Rushmore Mortgage Servicer, has constantly been asking for the same documents over and over saying they did not receive them when I have proof they did. I resend documents AGAIN only to have the same thing happen again. This last one takes the cake! My modification has not been sent to the underwriters because they keep saying the package is incomplete. My last conversation with Rushmore they asked for a lease in which I sent to them. About 2 weeks later I called them to verify that my package was complete and they told me it was not and they did not receive the last 2 pages of lease. I told them thats IMPOSSIBLE as the lease I sent was 1 file. How could they get 6 pages and not the last 2 pages of the file. If a file is corrupted they would have no pages. The first person I spoke to was very adamant they did not receive and was of no help and insisted I resend. I did resend the lease 10 minutes later HOWEVER I decided to call Rushmore back. I spoke with a lady who was VERY helpful and actually looked into to see what may have happened. She then informed me that they indeed had received ALL 8 pages and that the person who probably entered the information neglected to select the last 2 pages. I asked her to note this on my file. She did. The reason I asked her to note this on my file was because my tenants had already received notice that I was in foreclosure. This is how these predatory companies steal your homes! They keep saying they do not have a complete package so they can not send it to underwriting. If you do not follow up in a timely manner they WILL FORECLOSE ON YOU! There are time limits in a foreclosure and if a Servicer can keep your package out of the underwriters hands who approve or disapprove a modification, you get foreclosed on. They told me several times my package was complete! The constant document misplacement along with Rushmore saying they never received docs that I had previously sent, has happened several times in the last 6-8 months! Had I not called in this last time, ( they told me on the phone the requested lease would complete my package so it could go to underwriting ), I would have been foreclosed on as according to the foreclosure paperwork sent to my tenants, I had only days left to respond. Now I have to call back in 2-3 days and MAKE SURE the underwriters are reviewing my package and that they have stopped the foreclosure while they review for modification. One last note. I sent a letter to Rushmore asking them to call me anytime if they needed documents or if changes were being made and also to keep me updated. In the last 6 months I have not received 1 call from this company. ONLY LETTERS, which tend to be delivered 10-14 days later than the date posted on the letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: ID Analytics, Inc.
State: WA
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:
After unexpectedly being denied credit, I contacted Sagestream , LLC in writing on XX/XX/19 to request a copy of my credit report. I did not receive a reply. I left a voice mail on XX/XX/19, XX/XX/19, and XX/XX/19 requesting that someone call me back so that I may receive my credit report. Sagestream LLCs answering service says that they will return calls within one business day, but none of my calls have been returned.

Company response to consumer: Closed with explanation