BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: Omega RMS, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
OMEGA RS reported a collection account in my name with XXXX XXXX credit bureau without sending me notification of debt and the notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited large check. Bank put hold on until XX/XX/XXXX. On XX/XX/XXXX the bank lifted hold. Later on XX/XX/XXXX bank decided to hold again for another week ( total 8 days ). I was notified by emails. I wrote directly to them to decease and take off hold on XX/XX/XXXX. Also I call Federal reserve & " you '' to file complaint. On XX/XX/XXXX before I filed form ( this one ), I attempted again with the bank to resolve. After 15 minutes of hold time with the hold department, they claimed they would release check. I checked account online and check was released. However! ... 2 hours later the bank notified me via email that now my account is locked down until mid next week! So they appeased me in releasing the check but realistically they came in sideways and played with my account! The supplier of the large check has been notified and fully made statement that the check is solid with no problems and they released it on their part. So my bank is holding my account up for what reason?!! Not understanding due to my credit status has been impeccable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, Listen, I need your help!! My name is XXXX XXXX, I have serious concerns regarding MOHELA 's handling of my student loans. Back in XX/XX/2022, I filed a XXXX form with XXXX qualifying payments so that my loans could be considered for forgiveness, however, for whatever reason it remains in pending status. After about XXXX XXXX  I received a formal results letter in mail that was inaccurate and showed me short of XXXX XXXX, for a total of XXXX qualifying payments. I called the loan servicer and they mentioned that the form remained in pending status ( their website refers to a typical review timeframe of 90 days, I submitted months ago back in XX/XX/2022, with no results ). I have called several times but they refuse to take action! The representatives do not make any effort to assist or provide a timeframe to begin the process of having my loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SEE ATTACHED LETTERS In accordance with the Fair Credit Reporting Act the following reporting Agencies : XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602a States : ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 15 U.S.C. 1681 Section 602a ( 4 ). There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

15 U.S. Code 1681b 604- Permissible purposes of consumer reports.

15 U.S. Code 1681b 604 ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Pertaining to the word Accuracy : the information being providing is inaccurate. 

Fairness and consumers right to privacy : XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX are a For Profit Organization/Corporation/Agency that is providing private and inaccurate information that is tarnishing my reputation and is costing me opportunities. 

I did not give XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX or its affiliates written instructions to furnish private information. 

Both together and separately my consumer and privacy rights are being violated.

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 2023-01-17
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation letter to Caine & Weiner Inc. via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Credit Plus Inc
State: GA
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:
There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
incorrect information 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 non-monetary relief
Consumer complaint received 2016-08-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Quicken Loans for information on refinancing my condominium. I was told by the agent when I contacted him that I would be able to refinance my condo for a rate of 3.625 % with no costs to me. I understood that to mean that I would not be paying for points on a loan, nor would be paying any closing costs at all. That was the way the loan was sold to me on the phone. Once I decided to apply immediately over the phone based on the information the agent told me, I was asked to provide my credit card information so that they could charge me a deposit that I would apparently get back after the loan documents were processed. I gladly gave my credit card information knowing that I would get my refund after my low rate loan/refinance had closed. Once I submitted all the documents they requested, and was charged {$500.00} deposit, I found out that I would be paying {$3900.00} in closing costs including paying points on a low interest loan ( information that was not disclosed to me initially when I signed up ). I even got an appraisal done since I had already paid {$500.00}. I had a huge problem with the misrepresentation of information of course, and called back to dispute the information I was provided. Quicken Loans refused to refund my deposit despite them misrepresenting themselves to me when I signed up for the loan/refinance. I was given a refund of {$4.00} yesterday XXXX/XXXX/16. Needless to say I am extremely displeased with the service I received from a supposedly reputable name to intentionally misinform me just to close a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Transunion Report, I sent a letter asking TransUnion to thoroughly validate, verify the accounts listed in the attachment and to provide complete documentation as to how each account was verified, contact person, telephone number of contact person and date of conversation. 

Also, Transunion has been providing information as XXXX XXXX XXXX. Not sure who she is but it is proof that my credit file is corrupt. Reporting inaccurate information such as this is a violation and should result in immediate deletions of the accounts in question.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: NV
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 # XXXXXXXX XXXX XXXX XXXX  Account # 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 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 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 2020-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.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
Consumer complaint received 2021-06-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TD Bank is holding up our 'Residential Subordination Agreement Request ', Please help! 

We Completed the form and provided payment back on XX/XX/XXXX, to obtain from TD Bank a 'Subordination Agreement Request '. We are trying to re-finance our current 1st Mortgage and need TD to complete this subordination agreement to remain in second position. 

TD Bank mentions this process should only take approximately 30 days, and we are here today more than 60 days later with no news from TD Bank, and no means to reach out to them. 

Can TD Bank provides an update on our 'Residential Subordination Agreement Request '? 
We have reached out to our TD Branch Manager XXXX XXXX, but he could not get an update from the Bank other than it is still processing. Our Closing Attorney also tried to reach out to TD with No success. 

Please help tell TD Bank, to process our 'Residential Subordination Agreement Request ' in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.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
Consumer complaint received 2020-11-27
Company: WELLS FARGO & COMPANY
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 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 2023-08-22
Company: Experian Information Solutions Inc.
State: NV
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-03-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
WELLS FARGO DISCRIMINATES AGAINST XXXX XXXX  I received a XXXX $ cashier 's csettlement check took. it to Wells fargo, the bank manager verified the check said the money would be available the next morning at 3 am the money was available I sent XXXX via XXXX XXXX the money was then taken out of my account and the there was and neg account balanc of XXXX cents.i called the bank they said that .the bank would not verify the ( cashier 's check ) and said the funds would not available until the 10. A cashiers check, I do believe XXXX XXXX XXXX XXXX  as they thought they believe that the check was fraudulent they said I need to bring a letter from the people saying what the letter was about and for A cashiers check. THEY GAVE ME THE MONEY AND TOOK IT BACK, then tried to tell me that the check never cleared a cashiers check has to be verified?

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 2022-05-20
Company: Experian Information Solutions Inc.
State: AZ
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 account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 602 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 explanation