BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each item is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed three of my personal accounts and three of my business accounts with them. I pay my balances in full on my personal cards, and also never have any late payments on all my cards. 

They sent me a letter telling me they were watching what I was buying ( my transactions ) and due to that, they closed my account as the letter said ( unexpected activity ). 

Why am I being targeted for what I am buying if that is the case?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # 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 2021-03-14
Company: American Financial Resources, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ticket numbers : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These are just some of the ways I have tried contacting American Financial Resources about getting our property taxes paid. I contacted them via phone multiple other times with no help in getting our taxes paid. The customer service representatives only stated " it was a process ''. Our property taxes are now 3, almost 4, months over due. We keep getting notices in the mail from the XXXX County VA Treasurers Office. I have emailed the notices straight to our loan company with no response. 

XXXX of XXXX our loan company failed to pay our home owners insurance blaming it on our closing lawyers office. It stated in the paperwork our home owners insurance and taxes were only paid in full for 3 months then the responsibility fell to our loan company. 

We have had issues getting in contact with the loan company. I have called and left voicemails and sent multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-07-09
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 my credit score was 679-690. I filled a dispute on XXXX  and equifax to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact XXXX  and equifax both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  Account number # XXXXXXXX XXXX XXXX BANK Account number # XXXXXXXX XXXX XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXXXXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: SC
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 a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-12
Company: Assured Financial LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections notice from Assured Collections on what they claim is an unpaid bill from XXXX XXXX XXXX. I spoke with XXXX at Assured who told me a XXXX XXXX XXXX in XXXX, CA ordered these supplies. I've never been to XXXX XXXX. I did have a XXXX with XXXX XXXX in XXXX XXXX, CA. As instructed by XXXX, I wrote to Assured that I had no idea what that was for - I never received anything from XXXX XXXX XXXX and this must be a mistake. XXXX ( XXXX ) XXXX responded with more copies of their collection notices and a request order written by my doctor for authorization prior to a XXXX I had XXXX XXXX. I called my insurance company and they said that the claim had been denied. The XXXX I ended up having was not what was originally planned ( far less invasive ) and I walked out of the XXXX center the same day. At no time did I ever receive ANYTHING from XXXX XXXX Supplies ( nor any bills for anything. ) I thought they must have mixed me up with the other XXXX XXXX 's order. I looked up XXXX Medical Supplies on the Internet and I see they have the SAME BUSINESS ADDRESS as Assured Financial, LLC. Now Assured XXXX nor XXXX is returning any of my calls and once just put me on hold for over XXXX minutes and instead send me TEXT messages to pay this bill. I never gave them permission to send me TEXT messages and these messages do not contain any opt-out option which I also believe is illegal. They threaten a negative credit report and legal action. How am I " legally liable for the amount shown '' when I have never received anything from them? I'm certain they would not be able to prove I ever received anything from them - because I NEVER RECEIVED ANYTHING FROM THEM. They are seeking a total of {$620.00}. It is no wonder I see they have an F Rating with the XXXX and many similar complaints. I sincerely hope you can help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Zions Debt Holdings
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notice it is a fact, According to my consumer credit profile on XX/XX/, ZION DEBT HOLDINGS LLC violated USC 1692c ( a ) and published a opened account without any prior notice or my written consent to my XXXX consumer credit profile. Notice it is a fact, This action was a violation of USC 1692f ZION DEBT HOLDINGS LLC used of an unfair practice by a debt collector and clear violation of my due process. Notice it is a fact, This one action caused I, : XXXX XXXX XXXX a federal protected consumer severe financial injury and defamation to my character. Notice it is a fact, USC 1692d violation, Due to the continued harassment thru a third party medium " XXXX '', my credit score has dropped drastically. Notice it is a fact, USC 1692d ( 1 ) Violation, harmful actions toward my well being via credit reporting affecting my creditability to receive consumer credit, I have not been able to extend my credit with other financial institutions. Notice it is a fact, USC 1692d ( 2 ) violation, obscene language of accusing me of owing an alleged debt on my consumer credit report. Notice it is a fact, USC 1692e violation, Due to ZION DEBT HOLDINGS LLC false, deceptive and misleading statements and practices. Notice it is a fact, I now suffer from anxiety, duress, stress and unnecessary financial hardship. Notice it is a fact, To date ZION DEBT HOLDINGS LLC has failed to preform and validate the allege debt. I have requested validation of debt with evidence and have yet to received any contracts with wet signatures, full disclosure or a validation of debt between I, : XXXX XXXX XXXX and ZION DEBT HOLDINGS LLC . This also includes any accounting ledgers, which states I am obligated to pay ZION DEBT HOLDINGS LLC. Notice it is a fact, I have also sent a cease and desist to ZION DEBT HOLDINGS LLC due to the continued harassment. Notice, i am aware, according my consumer report from XXXX as of XXXX XXXX ZION DEBT HOLDINGS LLC has violated my request and is still reporting and communicating thru a third party, " XXXX '' which is a USC violation of 1692c ( b ) .Notice it is a fact, According to FDCPA each violation by debt collector could amount to XXXX XXXX dollars per violation. Notice it is a fact, I, : XXXX XXXX XXXX, Principal Executive am fully prepared with a bill of particulars to settle and file a lawsuit in this matter for damages. 
ALL RIGHTS RESEVERED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-11
Company: AES/PHEAA
State: MN
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:
I have been in disagreement with loan forgiveness for the last few years. I am trying to get a PSLF and nobody told me that the loan had to be in a certain payment for this to happen. When I exit college in 2002 this was unaware for me. I have been paying on it for 16 years  now thinking I would get the forgiveness and nothing. I just think it is a way for the company to make money without being honest the person. Too me is a crook. I have filled the application out for the past years and denied. I have emailed them and have had NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: WI
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:
Identification was stolen and XXXX  credit card with {$500.00} balance was obtained, under id theft. As a result there are several hard inquiries on my credit report. I was able to remove the reporting of the credit card from my report. The hard inquiries remain.

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 2021-03-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX XXXX XXXX XXXX. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am an " old timer '' client of Capital One bank. On XX/XX/XXXX I have sent a letter to the bank, branch XXXX XXXX XXXX XXXX st. XXXX York. I requested not to renew my CD due to mature on XX/XX/XXXX. thus to ebable me to withdraw my money without any problems. The bank ignord my order, and renewed the XXXX for another 24 months with 0 % interest. 
As I needed the money, I had no alternative but to fly from XXXX especially for that purpose with a lot of my health problems and walking with a stick. 
On XX/XX/XXXX I arrived to the bank, and was served very nicely by the representative ( XXXX. ). She agreed to give me my money immediately, but only after deducting XXXX $ as " penalty '' and paying me XXXX ( zero ) interest from XX/XX/XXXX. 
The XXXX was due to mature just XXXX months later. that is on XXXX penalty consist 2.88 % of the total saving balance! 
Despite my agony and frustration, the representative could not help me, as her XXXX or back office, ahe spoked to on the phone, refused to wave the penalty.

Company response to consumer: Closed with explanation