BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021, XX/XX/2021, XX/XX/2021, i sent multiple letters to this creditor disputing an unauthorized inquiry made on my account .the creditor responded by stating the inquiry was in fact accurate but do not provide method of verication ( Consumer contract with my signature ) I would now like to take legal action if this fraudulent item isnt removed from my credit report immediately for the non complianceto provide proof of investigation results after 30 days of no validation, this item must be removed by law .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I refinanced my loan, AmeriSave mortgage impounded my property tax and insurance when I specifically opted not to have it impounded. 

Ive made no less than 20 calls in the past 3 months trying to get the impound removed.

Theyve continued to promise resolution including sending me a letter confirming the impound will be removed, but it has yet to happen.

Ive continued to paid the mortgage loan and impound amount to escrow for the last three months and the issue still continues.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called TransUnion to stay up to date with my file. I asked the negatives on my file and I was told that XXXX XXXX was NOT on my file and had been removed. 
Once I received my report last week after a NEW dispute XXXX XXXX is once again showing on there. 
When I called TransUnion the representative had no explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I requested a validation of debt via certified mail to this company which they never responded to within the 30 days the have by law, they received the certified mail request for validation letter on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received nothing from them. This company is on default to proof I owe the alleged debt and by federal law that protects me as a consumer this need to be removed immediately from all CRA 's they currently reporting to. I am the consumer and they never reach out to me nor have my permission to report on my behalf to the CRA 's. 

Attached you will find the proof of the letters I mailed them and the proof of the certified mail showing they received it on XX/XX/XXXX 3

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 2023-03-03
Company: Experian Information Solutions Inc.
State: CT
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 my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute an inquiry in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XXXX XX/XX/2022.

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 2023-06-25
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: Reporting company used your report improperly

Complaint:
My loans are improperly reported, and reported without my consent. I wish to have them removed since the reporting itself is in direct conflict with the law.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I feel my payments to wells fargo for my auto loan was not applied properly and caused me more in fees and interest rates

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 2019-08-27
Company: Lendmark Financial Services
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX account XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on XX/XX/XXXX my wallet was stolen from me, and on XX/XX/XXXX it was used for a purchase on some online site in the amount of XXXX. I contacted chase and explained to them my card had been stolen and that it had been used for an unauthorized purchase. I told them I filed a police report and could provide it if needed and they said they wouldnt need it. Fast forward now they have reversed my claim and refuse to tell me why as this was not me. I am already going through a rough time with XXXX. as i lost my job and chase has made it an even tougher time allowing someone to scam me and side with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! PYOD LLC, XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my XXXX report from Citi Bank NA Best Buy on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called XXXX and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call Best Buy credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local Citi Bank and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from Best Buy credit services saying that I am a victim of fraud which I mailed to XXXX but they also seemed to ignore it. I will attach it here as well.

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 2023-10-18
Company: EQUIFAX, INC.
State: MI
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Upgrade, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently opened a checking account with upgrade, added an external account to fund it, later received an email stating account is suspended as of today, XXXX. When I called to enquire in re, I was, told to send in photo ID yet again which upgrade already has on file, also requested a photo with sign stating upgrade checking account, I then attempted to close account as this appears to be harassment, I was denied closing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I deposited XXXX dollars into my Citi bank account via the atm deposit. XXXX dollars was Immediately made avaible and the other XXXX dollars was Held pending an investigation. One week later I went into the branch that I made the transaction and they told me that the deposit limit was XXXX dollars and there would be a fraud investigation because I deposited over XXXX dollars. On XX/XX/XXXX I met with the store manager and he told me that they would have to close my current account and reopen a new account because of the fraud claim. They then told me the fraud claim will take 10 days to be processed and once processed the funds will be deposited into the new account that I created. On the 10th day of the fraud claim investigation I contacted the bank they then told me the funds had been deposited into an old delinquent account that my ex husband had that had a balance of negative XXXX dollars. They told me I will have to take legal action to recover the funds.

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 2020-08-12
Company: EQUIFAX, 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want all hard inquiries removed immediately from my credit report via 15 usc 1681 a2 b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 2020-12-04
Company: States Recovery Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
States Recovery is reporting inaccuracies on a collection account. I've ask XX/XX/XXXX for VERIFICATION of this debt under FCRA. I've asked State 's Recovery VALIDATION of this debt under FDCPA. I never received any proof that I own this debt, which are VIOLATIONS of the laws. Iv'e disputed this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a return response saying it was VERIFIED. They never verified this debt, which is continuing further collection activity that is a violation of FDCPA and it need to be REMOVED. I don't this company or ever made any arraignments with this company. 

XX/XX/XXXXposting LATE PAYMENTS ( recent XXXX XXXXXX/XX/XXXX posting PAST DUE ( balance XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting highest balance XXXX XX/XX/XXXX date of delinquency : XX/XX/XXXX XX/XX/XXXXdate of delinquency : XX/XX/XXXX XX/XX/XXXXdifferent account # XXXX XX/XX/XXXXdifferent account # xxxxxxxxxxxxxxxx

Company response to consumer: Closed with explanation