BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: DE
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 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.

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 2022-09-13
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect.

Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-09-13
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: Account status incorrect

Complaint:
XXXX, Equifax, & XXXX failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXXBalance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit card was stolen and used there are fraudulent charges on this account XXXX XXXX has refused to correct the issue instead they are updating the dates and balances and account history each time I dispute the account prolonging the process also the account has been reported charged off but I received a letter from a collections company whom XXXX XXXX has sold the account to trying to collect on this debt. As a victim of identity my information should have been kept confidential. I am entitled to a full investigation and removal of this account. This account does not follow FCRA guidelines and is a violation of my rights as a consumer. This account is reported charged off which means a 1099-c should have been mailed to me regarding this action made regarding the accounts status. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 XXXX Account number # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
My previous complaint number was XXXX ( with current servicer XXXX XXXX ).  however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX  and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by 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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX  Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX. ) XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: MA
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:
The XXXX XXXX account on my credit report is inaccurate on my Experian report. 
XXXX and XXXX have deleted this collection account. 
I have the documents to support this dispute.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Subject : Urgent Assistance Needed : Unauthorized ACH Transfer Intended for Personal Use Dear Consumer Financial Protection Bureau ( CFPB ), I trust this message finds you well. I am urgently reaching out to request your assistance in addressing a critical matter concerning my business banking account, XXXX XXXX, held with JPMorgan Chase. 

Account Closure and ACH Transfer Rejection : On XX/XX/XXXX, my business account was officially closed and charged off. Regrettably, on XX/XX/XXXX, an unauthorized ACH transfer was initiated, inadvertently directed to the closed account. Upon discovering this, I promptly visited a local JPMorgan Chase branch on XX/XX/XXXX, where it was confirmed that the ACH transfer had been rejected on XX/XX/XXXX. 

Unlawful Application of Funds to Business Account : To my dismay, on XX/XX/XXXX, I learned from Supervisor XXXX ( ID number XXXX ) that JPMorgan Chase applied a partial sum of {$5200.00} to the closed account on XX/XX/XXXX. The attached documents dated XX/XX/XXXX highlight my visit to the Chase branch. This raises significant concerns, as the ACH transfer was intended exclusively for personal use and not for business affairs. 

Contravention of Business Banking Account Agreement : It is crucial to underscore that the application of the ACH transfer to my business account without explicit authorization goes against the terms outlined in our business banking account agreement with JPMorgan Chase. This unauthorized action necessitates immediate attention and corrective measures. 

Supporting Documentation : Attached are documents providing evidence of the unauthorized ACH transfer and subsequent application to the closed business account. These proofs underscore the urgency and severity of the situation. 

In light of these circumstances, I earnestly seek your prompt intervention to investigate this matter. Your support in facilitating communication with JPMorgan Chase is crucial to swiftly rectify this unauthorized application of funds and to ensure adherence to the terms stipulated in our business banking account agreement. 

Thank you for your prompt attention to this matter. I trust that, with your assistance, a swift and fair resolution can be achieved. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Business Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Was not notified of investigation status or results

Complaint:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On the day of XXXX couple of transactions, were made from my account while I was heading to work with my debit card. The XXXX one was at XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX, CA. withdrawn $ XXXX XXXX one was at XX/XX/11 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , withdrawn XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THAT'S all the transactions they did throughout the morning while I was going to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and was unable to receive job offer paying nearly what I was making. Unfortunately as of XXXX I fail behind on my mortgage and decided to do a Forbearance for a year XX/XX/XXXX to XX/XX/XXXX. I have a buyer for my home but the mortgage company seem to not want to work with me. My current mortgage is almost XXXX dollars. 
Before the forebaarance I had NO choice but to file chapter XXXX bankruptcy., I just was not receiving the job offers. I worked for XXXX while interviewing for other jobs, I worked for XXXX  while interviewing for other jobs, I worked for the XXXX XXXX XXXX XXXX XXXX and was wrongfully terminated after 6 months. The situation is currently being investigated. I finally received a job offer that offers more stable employment but I am still over XXXX less than I was making. I called my mortgage lender ( Rocket Mortgage or Quicken Loan ) and asked for a final payout. It has been almost a month and I have not received anything from them. To be honest some of the agents were condisending about my Mortgage status. I expressed that I have a buyer who has the the income to buy the home but I have received absolutely NO support " We will put in a request for a pay off amount ''? No follow up. " We have a different email address for you '' Not True. " It takes several weeks to receive a Final Pay Out " We are almost at week 4. " Get a Realitor " I still need a pay off. Why can I do a simple sell by owner? No explanation. My buyer has already been approved so why add to my already stressed financial situation. None of this is my fault, its just life showing up in a bad way. The reality these Mortgage Companies are not sympathetic at all. I have been paying my mortgage without any problems since XXXX now I am treated as if I am a lazy low life. All I want is to be responsible and sell my XXXX XXXX condo to someone who can handle the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting 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:
See attached documents. Remove this personal information that 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