BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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:
These accounts are showing late payments on my credit report. All accounts are paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Rent Recovery Solutions
State: CT
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rent Recovery Solutions LLC debt collector. collecting a debt from XXXX XXXX XXXX XX/XX/23 owe {$6800.00} mailed to me on XX/XX/23. First time knowing this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX  XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2023-05-01
Company: OPTUM BANK, INC.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
am trying to transfer my funds from an existing XXXX account to a new one and they have given me 2 different dates that they issued checks yet I have not received either one of them. My money has been gone from their account since XX/XX/XXXX. I do not have the funds, can not use it to pay medical bills and am losing interest on this amount. Every time I contact them the check and time I will receive it changes,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went in  to US  Bank to deposit money in my account and the guy kept on about a credit card. He said let me send you some information. I said okay send information, next thing I know I had a credit card sent to me with a higher credit rate than what I had. I kept telling the teller I had a credit card with a lower rate than he was offering me. The account was opened  XXXX  /2016  and I shredded the card and have never used ever.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

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 2023-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-10-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a XXXX  Grant that was serviced through XXXX. Terms are -- 4 out of first 8 years of XXXX  service must be spent XXXX  in a XXXX XXXX XXXX, in a XXXX XXXX. 

Each year you must certify that you have fulfilled your yearly XXXX  duty, or certify that you did not complete it -- but intend to complete the 4 year term before your 8 years are up. If this is not done annually, the grant turns into an unsubsidized loan. 

In my fourth and FINAL year needed, XXXX converted my grant to a loan citing that I did not certify my service for the year. 

-- I completed the electronic paperwork through my account on XXXX that certified the XXXX  I XXXX  at, my contact information, and my field of XXXX. 
-- I printed the PDF ( and saved a copy to my PC ) that can ONLY be printed after filing that my yearly service was completed. 
-- I had my principal sign the paperwork, and mailed it to the PO BOX I have mailed ALL of my previous 3 certifications to without issue. 

XXXX said they did not receive the paper, so they converted my grant to a loan because I did complete the annual service agreement. 

When discussing this with employees # XXXX and # XXXX I urged them to look at my account history, where they would clearly be able to see that I filled out the e-paper work ( which wouldn't show proof that they received it, but at the very least proof of INTENT on my part to continue my service ). 

However, according to these employees, when the grant converted to a loan all of my XXXX  Grant account was erased. According to them, they can not look up any previous data or find any prior information about my grant  because that is the procedure when the grant converts to a loan. This can be confirmed on my part as well, because in my XXXX account there is no ability for me to look at my archive. 

If we could see my archive, we could see proof that I did indeed fill out the paper work, which at the very least should prove my intent to fulfill this agreement, even though they conveniently did not receive my paperwork in the last year of my service. 

My principal would prove that she signed the paperwork, and if we could look at the date stamp on my erased account we would see that it was filled out on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is against Wells Fargo. I notified Wells Fargo through Credit Disputes being filed against them, for fraudulent Credit Inquiries placed on my XXXX Credit Report by Wells Fargo. Proper Paper Work was filled out and turned in months ago, due to these fraudulent Credit Inquiries being placed on my Credit Report through Identity Theft -- - in which Wells Fargo is well aware of. Wells Fargo still has not removed the following Credit Inquiries from my Credit Report by notifying XXXX. Paperwork on my part has been completed for months. 
I am asking Wells Fargo ONCE AGAIN to notify XXXX to immediately remove the following fraudulent Credit Inquiries from my XXXX Credit Report. The identity thief or thieves have controlled my Wells Fargo accounts since the 1st week in XX/XX/XXXX, and basically continue to do so. And I am asking Wells Fargo within my FCRA rights -- to mail me the complete Credit File on each Transaction / Credit Attempt which resulted in ( 4 ) remaining Fraudulent Credit Inquiries on my XXXX Credit Report. 

Fraudulent Wells Fargo Credit Inquiries to be removed from my XXXX Credit Report. 
-- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Equifax via mail to inform them that inquiries were on my credit report that I didn't authorize. They sent me a letter stating that inquiries are factual and will remain on my report for 2 years. I disagree and I would like the following unknown inquiries to be removed from my report immediately XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was paid off in mid-XXXX 2021 to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX for {$180000.00}. After payoff there was an escrow balance of {$11000.00}. We have called several times requesting for the escrow to be paid back to us. Every time we call they say it will be 10 days to mail the check. We have waited 4 months and still not received the check. What recourse do we have and how can we get the balance of the escrow account refunded?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Retail Merchants Associates
State: LA
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 did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-12-01
Company: EQUIFAX, INC.
State: OH
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:
This is the second time I have asked XXXX XXXX  XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself

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 2023-05-01
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: Personal information incorrect

Complaint:
Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$67.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following 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 explanation
Consumer complaint received 2017-05-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase Ban k USA N.A.  has made credit inquiries against my account o n 4 diffe rent dates and has opened an  AMAZON.COM Visa Signature credit card in my name, on the last credit pull, I was sent a letter stating they received an ap plication and needed more information about my income and financial obligations to make a decision.     The dates my credit were pulled are :  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase  at the number provided on the letters and/or credit card sent and notified them that this was not a valid application.     On the first  three  dates  XXXX   XXXX  -  XXXX   XXXX ,  Chase  recorded a fraud investigation and determined that the application was fraudulent but would not tell me where the application came from, I notified my credit bureau 's each time. I requested each time that my name be included as having fraudulent activity request and to be excluded from any credit inquiries and was assured they had marked these as fraudulent.     I am in the process of contacting  Chase  for the last letter received from the  XXXX   XXXX ,  XXXX  inquiry.     I feel that  Chase  is knowingly and unethically phishing for customer accounts by using existing information they have about their customers to obtain new accounts.     I have had a  Chase   Freedom  card for over 3 years and feel that my information was obtained from my existing account.     I want to determine how I can stop this activity without having to freeze my credit in which there is a fee to freeze and unfreeze my account. This has also caused unnecessary activity on my credit reports.     Chase should stop this " phishing '' activity, it is obvious they are using existing customer information as it has been determined that the information was not an external request for credit.     My credit accounts have been marked with fraudulent activity from Chase but somehow they are still able to pull my credit.

Company response to consumer: Closed with explanation