BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom i t may con cern, I mailed a M ultiple Inquiry Removal Letter o n   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my  XXXX  report,  XXXX  hard inquiries on my  XXXX  report and  XXXX  hard inquiries on my Transunion report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules , FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of 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 explanation
Consumer complaint received 2023-04-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal is holding onto my money, and they said 6 month Max. It's been since XXXX. They keep ignoring my questions about when to expect my money. 

I need an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Attempting to collect money I do not owe them tried to reason with them to stop ruining my credit in which they have I've never had any dealings with lvnv funding at all they are trying to collect on accounts that have been closed for years they won't stop there tactics the accounts they are trying to collect on was written off by the original creditor I've spoken with so it's illegal what they are doing I want them to get there information off of my credit reports and delete the negative info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous 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 an alleged fraud or extortion. XXXX  XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: DISCOVER BANK
State: AZ
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:
About a year ago, I paid off a loan f rom Discover. However, it is still showing on my credit report that the account is open with an outstanding balance. I 've called Discover  over the course of the past few months on numerous instances about this issue. They told me that they would correct this issue but they still have n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and dates last reported is not accurate. This is ground for removal they also violated my rights under 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debts, nor therefore any such debts, in fact therefore exists.

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 2023-11-21
Company: BROKER SOLUTIONS, INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for a mortgage with new American lending. 

. On XX/XX/2023, I received a written notice from your institution, indicating that my application for a home loan has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 

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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I am following up on case XXXX. 
CHASE has not reimbursed me for the fraudulent check they accepted to pay and I have still not recovered my {$30000.00} All this is Chase fault, they paid the same check twice.

Basically, anyone who creates a company with the same name of a company already existing and gets hold of a check already filled and signed and deposit to his bank will get paid even if the check was already paid 4 montsh prior? How can we trust such the banking system and such an institution if they fail to protect against very simple fraud like this??

Chase claims they are pending the response of the other bank involved but that is not answer as they went ahead and paid the same check a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.8 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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 2023-04-30
Company: EQUIFAX, INC.
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and dates last reported is not accurate. This is ground for removal they also violated my rights under 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debts, nor therefore any such debts, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: NY
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 have received bad information in regards to loan. even though it has been difficult to repay loan due to lack of work and illness. I have still been trying to make arrangements. I am currently trying to enroll in school to further my education for employment reasons. I am not getting any help from loan officers. not to mention that I do n't even remember half of the loans that they are referring to. I feel like I am being swindled by the loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
On XX/XX/XXXX i sent a mail to the XXXX, equifax and XXXX  regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CBC Companies, Inc.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
names are incorrect on my credit report should be only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please see police report, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NY
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 List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 1 : XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 & 4 : XXXX XXXX 5 : XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited one check for {$300.00} on XX/XX/2023 and I deposited another check for {$1000.00} on XX/XX/2023 into my Wells Fargo account. Both checks were written to me by my mother. Her bank account is with XXXX  XXXX XXXX. Wells Fargo is saying they were unable to collect the funds and theyre telling me that they wont be available until XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX XXXX is saying, they paid those checks immediately upon receiving them. Wells Fargo is telling me theres nothing they can do about it and they may charge me a penalty fee for being overdrawn. The funds were in my account for four days and then all of a sudden they reneged and said the money isnt there. They said they were unable to collect the money when in fact, they received the money on day one.

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 2023-11-21
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am filing a complaint against Mr. Cooper, the company currently servicing my mortgage loan, originally with XXXX Mortgage. Since the transfer of my mortgage servicing to Mr. Cooper, there have been ongoing discrepancies in the Unpaid Principal Balance ( UPB ). 

Incorrect UPB : Mr. Cooper 's records indicate a XXXX of {$190000.00} as of XX/XX/2023. However, the loan history summary from XXXX Mortgage shows a different XXXX of {$190000.00} for the same date. Despite my requests, Mr. Cooper has not verified the XXXX with XXXX Mortgage, leading to a significant discrepancy in the balance. 

These issues have caused financial discrepancies and considerable distress, as I am unable to ascertain the accurate status of my loan. I have attempted to resolve these matters directly with Mr. Cooper but have not received a satisfactory response or correction of the errors. 

I am seeking assistance from the CFPB to ensure that Mr. Cooper verifies the correct XXXX with XXXX Mortgage accurately and promptly. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CBC Companies, 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 noticed that my credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is XXXX XXXX  FACTUAL DATA AKA FDXXXX XXXX on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Westlake Services, LLC
State: AZ
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 noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX  XXXX XXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX  XXXX XXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX 5 . WESTLAKE FINANCIAL SVC 6. 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 2017-05-15
Company: P.S.C., 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: Problem with personal statement of dispute

Complaint:
Puget sound Collections I personally wrote to them a letter of disagreement of all the bills from  2015  and anything prior to that I do have all the copies and when they were sent to the agency this was with an attorney involved there was not a single letter back from them and they did not write anything stating I owed these bills or anything, these bills should have been wiped from any credit report. there were over  XXXX  report number listed and I do have proof that they received them. They like I have 30 days to respond to me. They did not, I call them they do not respond, they are very rude. These are all medical and most of the medical work with my insurance company and make agreements to take certain dollars for the procedures. ANY AND ALL PUGET SOUND COLLECTIONS SHOULD BE REMOVED. If they want copies of the letters in which it does show the numbers listed in their files I will be happy to resend these to them.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 2017-05-14
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility  for 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.

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