BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NE
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:
My credit report is showing late payment on XXXX XXXX XXXX XXXX XXXX account. 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 XXXX XXXX XXXXXXXX XXXX customer service representative.

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 2021-06-16
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under Any open end consumer credit plan as late for Any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wire transfer of {$99000.00} and {$100000.00} on About XX/XX/2022 Money was sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with multiple accounts listed under DEPT OF EDUCATIONXXXX. A verification of debt letter falling within my rights under Title 609 of the Fair Credit Reporting Act, as these were accounts that I did not recognize. This letter was sent via certified mail on XX/XX/2022. In the letter, it was stated As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my wet ink signature. USPS records show it was received by Experian on XX/XX/2022. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were Updated. Not verified as per my request and right under title 609 of the FCRA, updated with no proof of original documentation containing my wet ink signature. 

Therefore, a second verification letter was sent via certified mail on XX/XX/2022. USPS records show it was received by Experian on XX/XX/2022. In this letter, it stated that In accordance with FCRA, Section 611, I am requesting the following information to review for completeness and accuracy and appropriateness. Please send the following information used to verify the above referenced matters. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were still Updated. Not verified as per my initial request and right under title 609 of the FCRA, as well as under title 611 of the FCRA. Experian continued the claim that the purported debt was Updated with no proof of original documentation containing my wet ink signature, and the person 's name they updated the dispute with. 

Due to blatant failure to verify this debt with the original instrument of indebtedness along with the person 's name they verified the dispute with, they have clearly infringed upon my consumer rights under Title 609 and Title 611 of the Fair Credit Reporting Act. This account does belong to me, nor does Experian have the authorization to continue reporting an unverified debt to my Experian Consumer Report. 

I am asking to have all accounts listed under the name DEPT OF EDUCATIONXXXX be striked and removed from my Experian Consumer Report, or be reported as Closed, paid as agreed to my Experian Consumer 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 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 explanation
Consumer complaint received 2021-06-16
Company: BANKMOBILE TECHNOLOGIES, INC
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has been using my information since XX/XX/XXXX to open fraudulent bank accounts in my name. In XX/XX/XXXX I placed fraud alerts on my Credit Reports and on my XXXX Report. In spite of these alerts however, I was made aware of an additional checking and savings account opened on XX/XX/XXXX at XXXX. They should not have been able or willing to open any accounts without checking my XXXX reports.

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 2021-06-16
Company: EQUIFAX, INC.
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
On XXXX I received a notification that my XXXX credit report had received a hard inquiry from Barclays Bank in Delaware. 
I immediately contacted XXXX and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and Barclays wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from Barclay wanting me to provide my driver 's license which of course I did not. As far as I know Barclay did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the XXXX again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. 
Thank you very much 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 2022-12-12
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am submitting this complaint on behalf of my client XXXX XXXX of XXXX XXXX, Oregon. The forgoing selections in " XXXX XXXX '' on your website do not fit and were selected only to advance the complaint process. My apologies. Here is a summary of the pressing problems. 

XXXX XXXX qualified for a 90-95 % financial assistance reduction for his medical bills on 2 applications in XXXX and XXXX. The medical provider is a nonprofit hospital, XXXX XXXX XXXX XXXX. 
His finances remained at approximately the same poverty level range during these years. But the hospital refused to process the reduction from his most recent application to all of his accounts since some were in collection, even though the law allows outside the ordinary application period and contains no collection exclusion. 26 CFR 1.501 ( r ) 1 ( b ) ( 3 ). 

He was sued by Carter Jones Collection Service , Inc. for approximately {$14000.00} in these uninsured medical bills incurred between XXXX and XXXX at a non-profit hospital, XXXX XXXX XXXX XXXX. However, XXXX XXXX from XXXX XXXX testified that XXXX XXXX does not have the agreement required by law with the XXXX XXXX before lawsuits against patients can be filed. See details about the necessary agreement here : 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). In the absence of this agreement, the lawsuit should never have been filed against XXXX XXXX. The lawsuit is a form of " extraordinary collection action '' ( " XXXX '' ) which is considered an XXXX of the hospital even if pursued by the collection agency. 26 CFR 1.501 ( r ) 6 ( a ) - ( b ). Here XXXX XXXX and XXXX continue to work together to collect these uninsured debts, even though it violates these laws. 

I have recently brought these matters to their attention and pointed out that XXXX XXXX enjoyment of non-profit status is premised upon compliance with these laws. 26 U.S.C. 501 ( c ) ( r ) ( 4 ) - ( 7 ) ; 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). But they refuse to dismiss the lawsuit despite my client 's requests even though their XXXX agreement with the XXXX allows them to take the accounts back at any time. Recently, XXXX XXXX has also delayed my client 's medical care which is another form of XXXX ( 26 CFR 1.501 ( r ) 6 ( b ) ( 1 ) ( iii ) ) that can not legally be taken under these circumstances. 

XXXX XXXX and XXXX XXXX continue to violate XXXX XXXX 's rights as well as their legal obligations arising out of the fact that these debts were incurred at a non-profit hospital by an uninsured individual who qualifies for financial assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: KY
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:
Several items on my credit report do not belong to me. I do not recognize them ; I had to file an identity theft report due to unauthorized accounts and charges on my credit report dating back a few years. I have tried to contact the creditors and the companies on several occasions. They have not removed or tried helping me at ALL. I can't do anything, and it has ruined my life up to this point. I need help. These Ceridtiors are not trying to help and keep giving me the runaround. Here is a List of items. Someone or multiple someone using my identity have managed to rack up. It shows on my report that one of my addresses is in NEVADA. I have never lived in Nevada, XXXX XXXX, or anywhere. I have only lived in one state and it's south. Please HELP XXXX XXXX : OPENED on XX/XX/XXXX. They marked it over 120 days late. {$700.00} XXXXXXXX XXXX  : Opened on XX/XX/XXXX Collection/Chargeoff {$2500.00} XXXX Opened on XX/XX/XXXX Collections/Chargeoff {$460.00} XXXX XXXX  : Opened on XX/XX/XXXX marked a Derogatory {$450.00} XXXX  Opened on XX/XX/XXXX {$380.00} XXXX XXXX XXXX Opened on XX/XX/XXXX Collection/Chargeoff XXXX XXXX  XX/XX/XXXX collections/ Charge off {$170.00} XXXX XX/XX/XXXX Collection/Charge off {$940.00} XXXX XXXX XX/XX/XXXX Collection/Chargeoff 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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX and XXXX of 2022, I filed a dispute online with XXXX and Transunion. I stated several times that I did not authorize the inquiries and they insisted that they were mine.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I mobile deposited two work checks on my checking account number XXXX. The rst check was from XXXX for {$580.00} and the second check was from XXXX for {$1000.00}. I waited XXXX work days for the checks to go thru and after that time I checked my account on Chase XXXX and the money wasn't available still. I waited a couple more days, checked back again and all I had was the {$200.00} I had to deposit when I opened my account. 10 days passed and my paycheck was still unavailable. i went to the branch in XXXX, XXXX XXXX XXXX XXXX when would my money be available and they told me the checks hadn't gone thru. I went back to my bosses house and gave him the information I had just received at the branch, and he told me the checks went thru, and showed me the conrmation receipts of the money being transferred from his account. I went back to the branch with the conrmation papers that XXXX boss gave me and the workers tell me the checks never got deposited into my account, that my boss had the money. I came home and I decided to contact Chase customer service and they tell me that actually my account got closed due to fraudulent activity. The only activity on my account was the initial {$200.00} deposit and the mobile deposit of those two checks from my work.On XX/XX/2023 I received a letter from Chase in the mail, with a {$200.00} cashier 's check addressed in my name saying " We closed your account and attached a check for the remaining balance. '' I have been sick the past two weeks and lost my voice, so today on XX/XX/2023 as I was feeling better, I call the complaint department of chase ( XXXX ) and ask them for the rest of my money. I explain the situation and the worker says the checks got deposited into my account but he couldn't do nothing about it and had to transfer me to the Chase 's fraud department. As he did so, I start talking with the specialist and he starts by telling me the checks never went thru, when the worker had just told me they did. And as I'm explaining this to him, he corrects himself and tells me that he needs to verify the checks rst, more than 30 days after they got deposited. I get a little upset with the situation and asked why havent they verify the checks earlier, and he tells me I had to tell him to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the last four years my mortgage company has refused to send me monthly statements which had put me almost in foreclosure they have raised my mortgage every month with no statement of explanation or any information they have never sent me out any tax forms or anything I have never been able to access any of this information on their website either. I have called for the last three years asking for a monthly statement and all I get is yelled at told I am ignorant because they dont have to send it to me Ive been verbally abused and assaulted over the phone by this company with denial still to this day of my monthly statements the only monthly statement Ive ever received from this company was my XX/XX/2017 statement. I have asked numerous times why am I not receiving my monthly statement they keep telling me its the post office but yet all my other bills have had no troubles coming through I have tried to talk to this company Ive emailed this company for answers and Ive gotten nothing they keep trying to say that this went up this went up this went up but yet when I called the auditor and my insurance company they have no idea what Im talking about because nothing has changed I want this mortgage company to either prove to me all this nonstop racing my mortgage every year and then when I bought the house I did not know but there was delinquent taxes that I was forced to pay on this home instead of the seller paying it that was automatically thrown into my account to the point of where I was forced to pay or lose my home. I have jump through hoops to get this loan and to have a home this company had to invade every atmosphere of my life from if I was married single divorced to XXXXXXXX XXXX XXXX  XXXX XXXX  nothing was private everything they had to know including my medical background all for one statement and four years I bought this house XX/XX/2017 and Ive only received one statement out of them for years Ive never received any escrow paperwork or any other information and they have almost made me lose my house a number of times because of their refusal to send me monthly statements the refusal to allow me any access to pay shortages in escrow or anything because I knew nothing about it. This mortgage company is lakeview loan servicing LCC also known as XXXX. They have not complied with the federal or the state laws of requiring mortgage statements to be sent out. I have received two emails from this company in the last two years about my mortgage withdrawals

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: AMERICAN EXPRESS COMPANY
State: NJ
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:
I located the following unauthorized soft inquiries : AMERICAN EXPRESS XXXX on XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. Thank you.

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