BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received email XX/XX/XXXX  stating that " You recently added the account ( s ) : XXXX XXXXXXXX XXXX Checking XXXX account '' with instructions to log on to FNBO Direct at a specific URL and Activate the external account in this " FNBO Funds Transfer '' service. 

This was my only alert or notification that something was wrong, and I do subscribe to XXXX for credit monitoring. 

I called FBNO Direct today XX/XX/XXXX  XXXX XXXX XXXX, and spoke to a woman who confirmed that the person initiating this fraudulent transaction has my name, email, social security number, address, and date of birth, and that I should report the fraud on ftc.gov, which led me here. 

There is nothing else that the government can or will do to help me, or to stop this type of thing from happening. I am not reassured at all. You can't even protect my SSN.

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 2023-01-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Chase credit card company would not accept a payment from me because it was XXXX hours late. They then doubled the monthly amount on me which I could not afford. I am on XXXX. They even charged me late fees after I closed the account. This is very unfair and predatory treatment. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was asked if the appraiser could come on the property and in the house, I said yes. 
My wife advised me that someone came by in a car at thirty five to forty miles per hour taking pictures of the house. I called XXXX or XXXX XXXX, she is in charge of the loan procedure, to inquire about the above incident and she responded that the appraiser does this to enable them to get a county court house record of my house!? I asked her if using my address wouldn't have been easier, she said by federal law this is required!! I recently changed my mortgage company to Sun Trust Mortgage, which she works for, and another appraisal was done by a different appraisers, XXXX XXXX XXXX, XXXX, performed by a XXXX XXXX XXXX, it was appraised at XXXX dollars at that time. Since that appraisal I have completed 30,000+ dollars improvements on my house. The new appraisal was given to me by email at XXXX dollars!! My house, according to Sun Trust Bank, has depreciated by XXXX dollars!! I have directed many questions to XXXX or XXXX XXXX about this appraisal and the depreciation of my property, she said that spending XXXX XXXX dollars for improvements doesn't mean that all goes to the appreciation of a home, only a percentage. I asked what the percentage would be, she couldn't come up with an answer. If you require proof of the improvements to my house I can send them to you. Long story short, She is exceedingly vague with her answers, I am in the process of getting all laws concerning the housing equity line of credit which pertain to North Carolina. Since she, many times, referred to Federal Laws, I am asking you to help me 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2022-10-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am unable to communicate to XXXX, equifax, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One XX/XX/2018 I sent a letter to Portfolio Recovery Company requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


List of Account Review Inquiries that needs to be deleted from my credit file TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/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 2020-07-14
Company: ID Analytics, 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: Their investigation did not fix an error on your report

Complaint:
I am not a credit repair agency, I am a person that is a victim of identity theft, please attached supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
NEW COMPLAINT ON LOAN NUMBER XXXX WITH SLS THIS IS A QUALIFIED WRITTEN REQUEST THAT SLS PROVIDE PROOF OF OWNERSHIP. PLEASE SUPPORT CLAIM OF OWNERSHIP OR REQUEST TO SERVICE MORTGAGE. ALSO PROOF OF OWNERSHIP OF THE ASSIGNMENT OF RIGHTS TO SERVICE MY LOAN 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 2017-12-24
Company: Experian Information Solutions Inc.
State: OR
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:
Over a year ago, XXXX XXXX " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe Experian ( the credit report that the inquiries from XXXX XXXX show up on ) previously asked that I dispute this through XXXX XXXX, so XXXX XXXX stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as XXXX XXXX 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Transunion Collections accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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: Personal information incorrect

Complaint:
Reporting wrong addresses and improperly using my name. I have paid to lock my credit, etc Next is seeking legal representation for the next steps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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 submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX

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 2023-02-14
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, THE TERMS YOU AND YOUR REFER TO Nelnet. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, Thank you for contacting Nelnet. We have received your Validation of Debt request on XX/XX/XXXX, please allow up to 30 days from the date of receipt for a response to mailed.. I acknowledge your admission of handling the account ( s ), Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly ignored my numerous requests for validation during the year of XXXX, and refuse to take responsibility for your willful injurious act ( s ) of torture. Yet, youre admitting to your possession of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX. I was notified by XXXX of a collection item from Procollect , Inc for {$450.00} for a Utility Bill out of XXXX TX. This item does not belong to me, and I never lived in Texas. I begin to reach out to this company to have this item disputed and removed from my credit report, because it is fraudulent, but this company has been nothing but rude and disrespectful to me. I have tried contacting them numerous time and no one will help. They even tried to make me pay this debt when I explained multiply times it did not belong to me. Since then, I have started the Dispute process with XXXX and other Credit Bureaus as well filed a police report. This company address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. Phone Number XXXX. Please help me with the matter, so others won't have to experience this terrible treatment 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 explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The following companies XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit 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 2023-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
On XXXX XXXX XXXX, {$10000.00} was fraudulently transferred from my wifes and Is joint checking with USAA. One transfer was for {$900.00} and the other {$9100.00}. 
My wife contacted USAA the same day to dispute the charges and USAA opened an investigation. 

On XXXX XXXX we were contacted via phone from a USAA fraud investigator. The investigator explained to us that on XXXX XXXX someone went on USAAs website ( usaa.com ) and using only my wifes phone number was able to gain access to our accounts. This person logged in everyday until XXXX XXXX, when they transferred our money to an external bank account. 

The fraud investigator claimed USAA has not evidence of fraud and refused to return the funds to us because the person who accessed our accounts used a phone number is listed in USAAs system as being associated with us. 

First, my wife and I only access our bank information via the USAA app, because the app is directly tied to our personal devices and requires a pin number every time we access it. Accessing our accounts via the website from devices not associated with us should have raised suspicion. 

Second, the person who accessed our accounts from the website, not a phone call. My wife and I never use USAAs website and if we have banking issues that can not be addressed via the app we always call, per USAAs own guidance. Someone accessing our accounts only from website, not the app and not with a phone call, should have raised suspicion. 

Third, the {$10000.00} transferred from our accounts were clearly done in a manner to avoid having to do a Currency Transaction Report which should have raised suspicion by USAA and the financial institution that received the funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX XXXXXXXX, experian and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.

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 2021-11-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have asked this company to remove their information from my credit report on several occasions. I had XXXX state insurance from XXXX during the time that University XXXX decided not to charge me for services. " XXXX '' sent my hospital bill to this company and since then, I have been asking this company to please relieve of my this debt since the hospital did not do their part in charging my insurance. 

I have asked ARS to relieve me of this debt since I will not ever be able to pay it. 

They do not contact you other than to tell you " NO ''. 
They do not answer the phone and if they do, they refuse to speak to people like human beings. My phone calls always feel so belittling and helpless with this company. 

The XXXX has several complaints against them. 
I don't know how they are still in service as a company.

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 2023-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To see whatever happened with my Wells Fargo account.

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