BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts 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 accounts/items which do not belong to me or were opened without my permission.

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. 
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 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 2022-02-02
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
During the week of XX/XX/XXXX a company called CashApp sent me XXXX different " debit '' cards attached to my monetary account with the company. CashApp is only supposed to send you these cards if you ask for them, because they have no customer service phone number I reported these fraudulent cards to the company over XXXX. I have seen complaints of many other customers getting debit cards they didn't ask for, the only way to get customer service about possible financial fraud this company is committing is to say something on XXXX  of their social media platforms. I didn't trust giving information about the fraudulent cards tied to my monetary account out over the internet so I followed a link given to me by the " customer support '' agent over XXXX. The link sent me to a page to report my problem to the CashApp team, so I filed out the information about the fraudulent cards. Then the " customer support '' emailed me with a short list to submit information about the cards and an encrypted file dropbox link to submit the information. I can not type out the information they asked for in the file link they sent me, I asked several time to several different agents how I am supposed to use the link they keep emailing me. I asked if I should type all the information in a Word document and drop the file in the secure link or if I should answer the name and address information they asked for in an email and then submit picture files of the cards to the secure file dropbox link they kept sending me. They never answered my question and now are ignoring me all together, leaving me with XXXX fraudulently opened cards and no way to delete or unlink the cards from my monetary account. I have spent XXXX hours today trying to delete fraudulent cards I never ordered from this company and now they are completely ignoring me, leaving me stuck with XXXX fraud cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have automatic payment set up through my checking account to pay my mortgage. PHH is supposed to take out my mortgage payment every month + {$200.00} extra to put on my principle. It is now XX/XX/19 and they have not taken out my XX/XX/19 payment. I have sent emails and no one has responded. I have called 2x and was put on hold for 1 hour each time just to be told they did not know why the auto payment was not taken out, and to call back later if it still was not taken out. I need a call from a manager from America immediately so I there is no miscommunication. I need this to be fixed ASAP, before PHH starts charging me late fee 's and it shows up on my credit report that I was late on my mortgage. This is utterly ridiculous, last month i sent a check in by the mail and they did not cash it for over 2 weeks. There is a total lack of accountability with this mortgage company. 

{$1500.00} supposed to be taken out XXXX of every month XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
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:
I submit this complaint to you in hopes that you are able to help me resolve the issue that I am having with JPMCB Card Services. The data that has been furnished to each consumer reporting agency fails to meet the Fair Credit Reporting Act and Fair Debt Collection Practices Act guidelines to ensure that data furnishers provide information with maximum possible accuracy, and only data that is accurate and complete. 

There have been multiple errors identified in the information that has been furnished to the consumer reporting agencies that include ( but not limited to ) missing information, inconsistent data, and an infringement upon my consumer rights to privacy. I have written to them identifying a significant number of infractions as it relates to their reporting practices. 

Additionally, I have also written to the company on numerous occasions in reference to the missing 1099-C form that is due as result of their decision to charge-off the credit card balance I once held with their organization. As I comprehend the law, it is the responsibility of federal or government agencies or applicable financial entities who discharge ( cancels or forgives ) debts owed of {$600.00} or greater require that the creditor and the debtor submit a 1099-C, Cancelation of Debt form. However, I received notice from their attorney stating My client has not issued a 1099C for this account and is not obligated to do so at this time. I am disagreement with this response as the IRS does state the entity that charges off a debt does not have to file the 1099-C form right away ; however, they are required to supply the form to the debtor. 

This is very concerning because it is my comprehension that the accounts change in status from debt to charge-off status converted the account from a debt account to an income account ; yet, Chase continues to report this account as a debt account to the consumer reporting agencies. This misleading and inaccurate information being furnished is injurious to my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
Im  submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX ; XXXX A 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
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: Account status incorrect

Complaint:
Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX XXXX they said they no longer report inaccurate information and i have no liability with them. Yet XXXX XXXX and Experian have all exhausted the XXXX of investigation but have not deleted the inaccurate unverified accounts XXXX XXXX- inaccurate information XXXX XXXX  which is close to it's XXXX of 7 years despite inaccurate information XXXX XXXX account XXXX because of discrepancies and unverified accounts but it still remains

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 2021-12-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Helvey & Associates , Inc . 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for Helvey & Associates , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Helvey & Associates , Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with inquiries I did not authorize

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2022-02-02
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:
The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under 15 USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within 15 days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a mortgage with XXXX XXXX  whereby the subject property has been occupied by a Tenant since XXXX of 2021. As per the terms of the Lease agreement with the tenant ACH drafts are authorized to be made each month. Thus, Rent payments have been drafted from Tenants bank account at USAA and applied directly to mortgage payments at XXXX XXXX  since the inception of the Lease. I recently received notice from XXXX XXXX of default whereby XXXX unilaterally returned 6 months of mortgage payments to Tenant 's bank at USAA. 

The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and XXXX  followed through with a refund of these payments without my knowledge or approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-03
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
XXXX XXXX XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
Wells Fargo Bank XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent accounts!

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 2022-02-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Macy 's is charging unfair interest or fees. On several occasions I have been charged a {$2.00} fee despite having a {$0.00} balance. Latest example : My XXXX statement indicated a balance of {$240.00} due by by XX/XX/2022. 

Payment in full was sent via the Macy 's website on XX/XX/2022. 

XXXX statement says the account has a {$2.00} balance in " fees ''. 

I called the number on the statement and questioned the reason for the charge and was told it was interest. I questioned how it can be interest on a zero balance and the representative responded the charge would be removed. 

This has occurred multiple times with this credit card. While I have been able to have the charge removed, I question how many other consumers simply don't realize that the fee is charged and I urge the Consumer Financial Bureau to investigate.

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 2021-01-12
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 having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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