BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-08-06
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I resided at any apartment called XXXX at XXXX managed by XXXX XXXX XXXX. Upon move out I received a final bill with a charge of {$1500.00} for carpets damage when there was no carpet damage. When I attempted to dispute this the apartment complex did not respond to my emails or phone calls and sent my file to the XXXX XXXX who later sent my file to a collection agency by the name is Results Unlimited. I have been trying to dispute this charge and not the rest of the charges as this charge is inaccurate and I have supplied them proof with condition of the apartment and carpets condition upon move out. I sent emails to XXXX upon receipt of the final bills with pictures of the apartments condition upon move out with no damages XX/XX/2020, and my account was in collections by XX/XX/XXXX with no contact or explanations from the XXXX XXXX or XXXX at XXXX  prior to that. The collection agency ( Results Unlimited ) is telling me they can take legal action if I don't pay and if I choose to go to court I have to also pay the legal fees in addition to my final bill. This is opportunistic behavior during a pandemic to charge someone fraudulent charges. 
My Issue is incorrect billing/inaccurate charges, The Apartment complex XXXX at XXXX did not provide any reasoning or evidence to support these charges when I provided proof of the apartments condition upon move out. The XXXX company forwarded my file to collections as well without contacting me and the collection agency is wanting to charge me legal fees to dispute my concerns in addition to current charges or " take legal action '' if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2023-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I reached out to United Wholesale Mortgage ( UWM ), our mortgage loan service company, regarding cancelling PMI insurance based on Current Value. We have completed substantial structural improvements and fulfill the requirements set forth by UWM. On XX/XX/XXXX, UWM finally replied with details on how to submit our proof of the cost of improvements. On the same day, I emailed the proof AND submitted the written request with proof of costs of improvements. I have reached out on XX/XX/XXXX and XX/XX/XXXX to move forward with ordering a valuation on our property and have had no contact with the company. I can not speak to a live representative in the PMI department to provide a status. On XX/XX/XXXX, I used the Chat function on their website to speak to a general live representative who claims " I do not see anything regarding your PMI removal. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to see this anymore in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my Experian and XXXX credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my Experian and XXXX credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/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 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 2023-03-03
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am enrolled in the XXXX XXXX XXXX XXXX program. For the past XXXX years I have been certifying my employment, annually, with my qualifying employer. As required by the XXXX program, I have now completed over XXXX months of work at my qualifying organization. My loan servicer, Mohela, has verified XXXX of those payments. 

Now that I have literally only XXXX payments for them to verify, Mohela claims that it will take them well into the summer to verify these payments. I find this completely unacceptable, especially as Ive been diligently verifying these payments over the past XXXX years, being told each year that doing so would help my loan servicer process everything faster at the end. 

Whats worse, because of the XXXX law, I have to stay employed at a qualifying organization not just while making the XXXX payments, but also until those payments are reviewed and forgiven. I am therefore completely at XXXX whim until they decide to review and process these XXXX simple payments, which as they claim could take well into the end of summer. 

This timeline is ridiculous ; Mohela is putting my life, and the lives of thousands of others engaged in this process, in complete limbo, XXXX and waiting, hoping, for them to speed things along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have made multiple calls to PNC to help with the issue and gotten verification codes to confirm my identity and yet I still can not complete transactions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested to update my personal address with copy of my drivers license. Ive requested deletion of all old addresses because i can not receive mail, i have no correspondence, nor do I have any access to these old addresses. I would like to be treated fairly and exercise my right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I made a purchase for furniture on XX/XX/XXXX. I was due to receive the furniture and was advised I would be getting an email when the item shipped. On XX/XX/XXXX I waited for an email from the company, I never receive it and by the XXXX of XX/XX/XXXX I started to worry. I reached out to Cash App support because after that purchase there was an attempt made XX/XX/XXXX when someone else tried to charge my card for {$100.00} this was fraud and I have not had any fraud activity until I made the original purchase XX/XX/XXXX. I also had another fraudulent charge of XXXX on XX/XX/XXXX. I have reached out to Cash App on multiple occasions in the regards. I did make this purchase I am not denying that. I have tried to reach out to someone where I made the purchase and have been unsuccessful in my attempts. The email XXXX they provide on the website directs you to an entirely different company. That company did reach out to me and stated that they did not sell furniture, the email was the only one provided on the website https : XXXX where I made the purchase and they do not have a good phone number XXXX. I have attempted multiple times to dispute this through Cash App and have provided the documentation showing it was fraud. This has cause unsurmountable stress and anxiety as it has been going on for almost two months. I have put over ten hours of my time into getting this resolved to no avail. I believe that Cash App is supporting these fraudsters by allowing them to keep my money. I have provided all the necessary documentation. They have denied my claim more than five times! I never received the goods. I did attempt to contact the company which I believe is fraud. I will continue until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX   received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.

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 2023-10-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP Morgan Chase froze my checking account today. They would not tell me anything except that in 10 business days my account will be closed, 10 business days after that I will receive a cashiers check, and I will receive a letter in the mail. They refused to give me any other information. I spoke with 5 different people in the fraud department today and they all said the same thing as noted above. 

My problem is that I had {$24000.00} in the account which is all the money that I have. I have no money to pay my bills, for food, or gas for my car. 

What can be done to get them to release my money immediately? I can not wait 20 business days to receive at check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

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. 


XXXX XXXX XXXX XXXX- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XXXX XX/XX/XXXX - Has violated my ri

ghts 1 5 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 explanation
Consumer complaint received 2022-12-20
Company: Genesis FS Card Services, 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: Investigation took more than 30 days

Complaint:
I have tried to explain during that period I was both mentally and physically XXXX XXXX XXXX XXXX to where the United States government felt that I was not capable of handling my own affairs and ordered XXXX representative. During that time the car dealership was given all of the financial information including the the awards letter, and the bank statements that 100 % said I was not in charge of my financial and still through dealership magic got me into a car Im just wondering that if XXXX XXXXXXXX is enough to have us acquitted of a crime or committed to a hospital against Will why isnt it enough to assist against the dealership that took advantage of that disability.. 

I have tried to fight and have spent countless hours on the phone getting absolutely nowhere ignored mysteriously disconnected and straight out told were hanging up on you.. 
I can send documentation, but would like to do it through better secured email because it is information from Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: GA
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:
I was notified on XX/XX/XXXX about suspicious activity being on my checking account. I filed a claim on XX/XX/XXXX. My debit card was expedited, and I received it on XX/XX/XXXX. I activated the debit card the same day it was received. On XX/XX/XXXX, I received a notification that the debit card had been turned off due to suspicious activity. I called Wells Fargo and filed another claim for the amount {$5000.00} on XX/XX/XXXX. I received a phone call on XX/XX/XXXX and was notified that the claim for the amount {$5000.00} had been denied. On XX/XX/XXXX, I found out that two XXXX XXXX accounts had been connected to my checking account on dates XX/XX/XXXX and XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX to inform them of the XXXX XXXX accounts being connected to my checking account and that I do not own an XXXX device so these XXXX XXXX accounts are not mine. I was told the new information would be considered. I contacted Wells Fargo multiple times and spoke with multiple times from the dates of XX/XX/XXXX to XX/XX/XXXX in regards to the claim for the amount of {$5000.00}. I did not receive any information in regards to the claim. I received a retail credit card in the mail on XXXX that I did not apply for. I called Wells Fargo on XX/XX/XXXX to inform them that someone else applied for this retail credit card by using my information. I was told they will investigate this situation and block the card so it could not be used. I went inside a branch facility on XX/XX/XXXX to speak with a branch manager about the issues that I had been experiencing. The branch manager sent a detailed messaged to their escalation team to get my case reopened. I spoke with an investigator for the reopened claim on XX/XX/XXXX. She needed clarity on what was going and informed me that a resolution would be given by XX/XX/XXXX. I received a call from the investigator on XX/XX/XXXX to notify me of a denial of the claim.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently contacted Transuion to request that they remove thr dispute information off my credit file. Instead of removing the dispute information, the representative reported two accounts as charged off when actually the accounts are paid in full and closed. The accounts are XXXX XXXX XXXX XXXX XXXX. These accounts are paid in full... the documents were sent to them that showed they were paid in full and they had updated them accordingly. This representative that I spoke with recently changed them back to charged off instead of deleting the dispute statements as I requested.

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 2022-03-31
Company: Capital Accounts, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity has been stolen I need help

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