BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: Kikoff 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:
This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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:
Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX 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 explanation
Consumer complaint received 2022-02-15
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collection company Credence disclosed account information with my XXXX  who also has the same name they have been XXXX him and calling him regarding a debt that is not owed by him but myself trying to get him to pay he is a XXXX who does not speak XXXX so when they called he thought the debt collection was his when Im fact its was not. They tried to settle with him and disclosed the amounts. When I called credence to verify the debt they agreed with me that they broke the law about discussing the private account information with someone else and they did not properly verify the identity of the person they talked to. I asked why they charged me the amount that they did and they said for contract cancellations of XXXX XXXX XXXX but I am a employee and have no contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase charged me an overdraft fee of {$34.00} even though I have contacted them to opt out of Overdraft protection multiple times. They refused to refund an overdraft free for a payment that should have never been processed because there were not enough funds in the account to cover the payment. When I contact chase to request a refund, they stated that because the account is a reaccuring payment by XXXX for XXXX $ even though there was only {$20.00} in the account. I asked the rep to look back on my account because this was not a reaccuring payment. The rep refused. Chase goes around the overdraft opt out by allowing these charges to go through. Ive never had this issue with any other bank that allows your account to be charged regardless if it was a reaccuring charge or not. Ive brought my account current and am going to close my account but I am still requesting a refund of the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Iron Capital Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They call me my parents home my mother cell phone my work. I'm not sure how they got the number and it comes up spam. I use XXXX XXXX and pay my debts through the original lender, because I never received the letters of completion or the return of credit they promise. I haven't seen this company and it comes up as spam. XXXX XXXX XXXX. They called my work and said they were a credit relief company? I have answered and told them to take me off their call list multiple times. They are jeopardizing my job at this point.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-15
Company: WESTERN ALLIANCE BANCORPORATION
State: CA
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:
Dear Sirs, For over 10 years my husband and I have had a joint checking account with First Independent Bank of Nevada ( alias Western Alliance after bust ). 
I have only twice had ACH Debits .... both to major companies XXXX and XXXX XXXX. 
Both for about 100 dollars. 

In XXXX my husband went into XXXX XXXX  and then returned home. He has XXXX XXXX and I have XXXX XXXX XXXX XXXX. 
I have been undergoing XXXX XXXX and I can't find a facility that can cope with him. 

End result we returned to our home of 25 years and I stated checking our bank accounts and found that Western Alliance had approved 4 ACH Debits ( one each week in the month of XXXX  ) totaling dollars. 
Each debit was from between XXXX dollars to XXXX dollars. 

When I tried finding the company ( XXXX XXXX ) I hit a brick wall. 
I spoke to the branch and they gave me a phone number that turned out to be XXXX XXXX XXXX. That they had initiated the order giving away my money. 
They could not help and the branch gave me the number for XXXX XXXX. 
They sent me directly back to XXXX  XXXX. 

So, now I feel I have been robbed by someone who is hiding behind the banks and the clearing house. So whose checking account did my meager funds wind up in. 

Since I receive about XXXXUSD in Social Security, you can understand how important this money is to me. 

Any help you can give me would be much appreciated. 
Many 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX Balance {$4100.00}

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX and Transunion refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX  XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2022-11-09
Company: EQUIFAX, 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:
I am writing this letter on my own accord without any assistance from a credit repair agency/specialist or 3rd party individual. I have reported this error multiple times and the information is still being reported wrong. And due to this false reporting it is causing me anxiety/financial hardship by making it impossible to find a place to stay.

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. 

XXXX XXXX XXXX # XXXX This is grounds for removal they also violated my rights under : 15 USC 1681i Section 5 ( A ) ; If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

15 USC 1681i- Procedure in case of disputed accuracy I sent a letter to XXXX XXXX XXXX XXXX and Equifax XXXX XX/XX/22. It has been well over 30 days and I still haven't recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without written instructions. I never consented to have my information reporting and please send me the name and contact of the person used to verify this account and original paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: UT
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 is reporting lates from XX/XX/XXXX through to XX/XX/XXXX that are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to loss of income in XXXX, I took advantage of the forbearance program with my lender ( Mr. Cooper ) in XX/XX/XXXX. Once the forbearance period ended in XX/XX/XXXX, I contacted Mr. Cooper for a resolution. I have applied for the pandemic modification via phone call with Mr. Cooper CSR and online through the lender 's website. I was denied each time, upwards of 5 times with no real reason. Then on XX/XX/XXXX, I received a phone call from XXXX XXXX at Mr. Cooper, offering and confirming that I qualify for a deference. She advised that she will adjust my account within 5 days to reflect this plan and I will resume payments XX/XX/XXXX. I asked her to confirm that my account will be all set following this agreement and she put me on hold to check with her supervisor and got back to me that this will bring my account current and back to paying my monthly payments as I did pre-COVID. I kept checking online to see the changes reflected on my account and as time passed by with change, I contacted Mr. Cooper. I am now being told that I did not qualify for the deference as I am beyond the XXXX mark and now if I want to be CONSIDERED, not approved, for deference I will need to pay back payments of about {$12000.00} to be at that XXXX mark. At this point it would be a struggle to come up with all those funds at once and furthermore had Mr. Cooper provided this option back in XXXX this would be a non-issue. I am concerned that these tactics are deliberate and a way for them to justify beginning foreclosure on my house. This property a significant source of income that I can not afford to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-01-07
Company: Nelnet, 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 am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Please, Help me to with that issue. 
I have amount sent by unemployment for those period bud i never received the card. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 Thanks in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXXXXXX and 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