BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-16
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:
Equifax XXXX XXXX Settlement In XXXX, a settlement over the breach which revealed the private information of XXXX XXXX Americans required the credit bureau to compensate each victim starting at {$120.00} and up to {$20000.00}, Equifax XXXX XXXX my personal information was impacted as a result my personal information was compromised and as a result I became a victim a identity theft. I am requesting full compensation and reimbursement for money and time I've spent trying recover from fraud and or identity theft because of the Equifax XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Debt collection for a phony and non-existent medical bill by " The Law Offices of Mitchell D. Bluhm and Associates, LLC Attorneys at Law '', claiming that we had radiology services on XXXX XX/XX/2021 for {$1400.00}. All false, we had no appointment on or around that date for any medical services whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX AZ XXXX Please remove all other addresses and names Remove : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX bankruptcy is reporting on my credit file with inaccurate data. First, I sent a certified letter to the bankruptcy court in XX/XX/XXXX. I wanted to know how the information was verified. The courts responded on their letterhead ; they do not verify nor report information to the credit bureaus. From there, a certified dispute letter was sent XX/XX/XXXX to XXXX. Per the letter I received from XXXX in XX/XX/XXXX the bankruptcy was removed. 

In XX/XX/XXXX certified dispute letters were sent to XXXX, TransUnion and XXXX. The two letters mention above I sent as well. The disputes came back as verified which is false. I contacted the credit bureaus via phone and all three stated they verified with the courts and XXXX. This is proof that the credit bureaus did not look at the letters nor did the proper investigation. 

If any additonal information is needed please let me know

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 2020-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I was trying to take money from chase ATM XXXX XXXX XXXX XXXX NY, AT M chase Morgan never give me cash and they deducted {$500.00} from my card plus fees, I attempted to calling them same night 7 times and the customer service was unable to get to help me. Im stressed and discussed with this, please help me, XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I recently applied if store card with XXXX. XXXX is bank by synchrony. After filling out the application. I received a message stating synchrony ban needed a little bit more information. With in a day or so I called synchrony bank to provide any information that they had needed to approve me for store card. After briefly speaking a representative from synchrony bank to clarify the information they had needed to approve my application the agent stated that they new to verify my identity by scanning my drivers license.I was sent a link to my cell wich is XXXX to scan my identification card. I ran to an issue with the scanning. It accept the front of my identification card. But was rejecting the back of it. After a few trys of trying to get the back of my identification card scanned. I was locked out. I called synchrony bank back to let them know the issue I was running into. I was connected to agent. Ready to let him know the issue I was having with uploading my document. Before I can even let this agent know the issue he abruptly interrupted and said we seen what we need to see and we are not approving your application. In disbelief I ask the agent why. And he said you will get a letter in the mail XXXX explaining why. I was very confused and felt discriminated against. In the past I had someone trying to use my information to apply for credit cards and loans. 10 years later with me getting my identity back I have several major credit cards one with the highest limit being {$20000.00}. I was excited for applying for synchrony card. But after the agent being very rude and not helpful made me feel very discouraged. This complaint is mostly towards the agent and not synchrony bank. Hopefully that conversation was recorded and they can understand my frustration in this matter

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 2023-01-16
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for mortgage to pay off a construction loan with a local Bank. The mortgage company sent us the closing disclosures showing we were approved for {$130000.00}. This was on XX/XX/2022. The closing date was set for XX/XX/2022. On XX/XX/2022 they were still approved for {$130000.00}. When they got to closing they were only given {$100000.00} which was the payoff on the construction loan. But when we found out we called the mortgage originator that we were approved for the {$130000.00} and that part of that was to pay our closing cost. We asked why the change from XX/XX/XXXX to XX/XX/XXXX. We were told a new underwriter decided this. We requested that we speak with the underwriter but were told they were not available. We told them we had no funds for the closing cost so then the agreed to increase the loan to {$110000.00} to cover those cost but not the {$130000.00} we were told we were approved for. We asked how this could be fixed and they told us that we would have to start all over again and wait another 6 months before we could close again. Since the interest rates were rising we chose to close although it was not for the amount we requested and were told we were approved for. We are asking assistance for this if possible. We feel that we were not treated correctly. Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} UXXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022 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 non-monetary relief
Consumer complaint received 2020-01-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has been giving me the run around. They had that my home sold for over 3 weeks and I could not get them to review my loan modification packet. 

When I finally addressed it to them they said they had no record of it. Well they have all the recorded phone calls where my counselor called them and they told him that my home had sold. 

They keep playing games and now they have a placed another sale date on my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: CO
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:
Credit report states that XXXX XXXX credit card was closed at customers request. 
I did not request it to be closed. Actually I never asked for it to be reopened. I quit using it maybe 8 to 10 years ago when they began charging a yearly fee to receive rewards on it. Other companies did not do this so I started using a different credit card and XXXX XXXX issued me a different card with no rewards. I've never used it either but it has always been open and still is. Then a couple years ago the original card showed up again. Now about 4 months ago my credit report says that the old card was closed at the customers request. I never requested it to be closed or even be reopened. Also it was showing that I had {$1.00} in rewards still on it which naturally disappeared also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: GA
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 numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 explanation
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: TN
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:
Equifax is not deleting inaccurate information from my credit report. There was a medical collection placed on my credit file that should not have been there. I called the medical provider as well as the collection agency ( XXXX XXXX ) and the issue was resolved. I spoke to the collection agency at the end of XX/XX/XXXX, and they stated they would submit the account to be deleted from my credit reports on XX/XX/XXXX. I waited 30 days, and contacted the collection agency again because the collection was still showing up on my credit report. They stated they submitted the request for the account to be deleted on XX/XX/XXXX and to wait a few more days. So, I waited until XX/XX/XXXX, and I called the collection agency again and the rep stated the same thing, they submitted the request to have the collection removed on XX/XX/XXXX, and went ahead and sent it again on XX/XX/XXXX. So, I called Equifax on XX/XX/XXXX. Spoke to 3 different reps, the first one was unable to assist me. The 2nd representative who was a US representative was VERY RUDE ( she did not state her name ) nor did she even ask me what account I was calling about, I told her a collection account was submitted to be deleted and it is still on my credit report, she put me on hold for several minutes and got back on the phone and stated nothing was submitted to be deleted. She did not even know the specifics of my inquiry. VERY UNPROFESSIONAL. I asked to speak to a supervisor and the so-called supervisor ( XXXX ) and asked for the previous reps name, he stated he did not remember her name. I filed a complaint with him and left my phone number and never received a call back nor has my issue been resolved. 

The collection account is still showing up on my credit report and it has been almost 2 months since it was requested to be deleted. The collection agency sent me a letter confirming that they submitted the collection account to be removed from all three credit bureaus. I have attached the letter from XXXX XXXX. 

I 'm not sure what the deal is with Equifax but the collection account for XXXX XXXX listed on my credit report NEEDS TO BE REMOVED IMMEDIATELY!!!!! Do not respond and state you launched an investigation and that I have to wait 30 days. That is UNACCEPTABLE SINCE I HAVE ALREADY WAITED ALMOST 60 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: AL
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:
I wrote XXXX XXXX and Experian letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and XXXX XXXX and experian and they still have the items listed on 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 2023-01-16
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been getting billed {$30.00} to $ XXXX  monthly by Synchrony bank on my XXXX XXXX account unknown to me for years and possibly totaling thousands of dollars in fees. I never signed up for this program or authorized these payments. This account was only used for veterinary bills and never had a late payment etc. I can see this bank was already fined for deceptive practices and fees for this exact program in 2014, it seems they are up to their old predatory tricks abusing a credit program that is targeted to the most vulnerable consumers ( 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 monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights according to the law. 

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 an 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 INNACURATE.

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 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has continued to allow unauthorized and fraudulent inquires to remain on my credit report, even though they have been informed via multiple disputes delivered by certified mail and a former CFPB complaint. I recently applied for new credit and was denied due to " too many inquiries, '' and the bank informed me that it would have been approved if there were less inquiries. 5 out of the 9 inquiries that I currently have on my Transunion Credit report were unauthorized and fraudulent. The unauthorized inquires are the following : 1 ) XXXX - XX/XX/XXXX 2 ) XXXX - XX/XX/XXXX 3 ) XXXX XXXX XXXX - XX/XX/XXXX 3 ) XXXX  XXXX - XX/XX/XXXX 4 ) XXXX   XXXX - XX/XX/XXXX ... ..

It is truly disheartening and unnerving when a Credit Reporting Agency, such as Transunion, has utter disregard for Federal Law and the economic harm that can befall a consumer when these Violations of the Fair Credit Report Act ( FCRA ) happen. The FCRA, specifically 1681e ( b ), which requires a credit reporting agency to follow reasonable procedures to ensure maximum accuracy, 1681i, which requires a credit reporting agency to comply with certain reinvestigation requirements, and 1681b, requiring a credit reporting agency to provide a consumers credit file to companies only if it has determined there is a permissible purpose, are important and essential elements of FCRA. However, any negligent and/or willful violations of any of these provisions can cause irreparable financial and economic harm to a consumer. The inquiries mentioned above are obvious permissible purpose violations, and they need to be removed immediately. I have contacted the creditors, I have disputed the inquiries with Transunion, and they now remain as a willful violation FCRA 1681b ( a ) ( 3 ) ( A ). Please remove them immediately permissible purpose violation

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