BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that XXXX would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX Experian Credit Reporting summary is open with incorrect balance {$7400.00} under XXXX/XXXX  instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX  ). I have submitted disputes to XXXX Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX  XXXX XXXX & XXXX XXXX  XXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through Experian Credit Agency ( attached XXXX screen shot ). But to much dismay, XXXX/XXXX  continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those XXXX XXXX which reflects I'm in good standing with them, even as reports by XXXX/XXXX  since XX/XX/XXXX ( see attached XX/XX/XXXX Experian Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( 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 explanation
Consumer complaint received 2022-04-01
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I offer to pay my bill twice and I wasn't accepted each time. XX/XX/XXXX was the first go-around for either XXXX or XXXX one of the two, once I saw the payment didn't go through I got nervous so I paid the min balance to make sure that I keep up with the perfect payment history. The 2nd time I tried to pay was on XX/XX/XXXX for XXXX dollars and my payment wasn't accepted again. I gave handwritten instructions on what I wanted the company to do with my bill. I also gave notice to the company of the time of illegal activity that I finally notice that was taking place. Then I also sent a conditional acceptance letter that was an ignored completely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 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 child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate 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 non-monetary relief
Consumer complaint received 2022-07-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}

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 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was charged XXXX times on XX/XX/2022. These XXXX charges were unauthorized by me and was used at a store very far from me. Bank of America issued credit initially. However, it notified me that credit will be reversed after two and a half months. The reason Bank of America gave me is that these charges were authorized by me. It is clear from my debit card use history, these charges were unauthorized. Bank of America is not taking responsibility.

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 2023-01-09
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND CREDIT MANAGEMENT IS REPORTING A FRAUD ACCOUNT ON MY CREDIT. I HAVE ADVISED THEM ITS FRAUD. I ALSO MADE THEM AWARE THE ORIGINAL CREDITOR XXXX REMOVED THE ACCOUNT FROM MY CREDIT IN 2021. 

NOT ONLY IS THIS ACCOUNT FRAUD, MIDLAND CREDIT IS ALSO IN VIOLATION OF THE FCRA. 

THEY ARE REPORTING THE ACCOUNT OPENED XX/XX/2021. THAT WAS OPENED WITH THE ORIGINAL CREDITOR XXXX. THEY HAVE REAGED THE ACCOUNT FOR ONE. SECOND, THEY ARE LISTING THE ACCOUNT WITH PAST DUE WITH A BALANCE OF {$850.00}. COLLECTIONS ARE NATURALLY PAST DUE BY DEFAULT. 

I AM CURRENTLY SPEAKING WITH A LAWYER TO CONSIDER LEGAL ACTION FOR THE FALSE REPORTING OF A FRAUD ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: CT
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:
I have been sending dispute letters to the credit Bureau concerning the XXXX listed items on my credit report 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXXXXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.

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 2022-04-01
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling for a XXXX XXXX which is not my name or anyone I know. They are calling to collect a bill from a hospital, they call very frequently and from different numbers after I block. I also receive a TON of spam calls and texts every day, I block all numbers and it seems like even more come the next day and I have been on the do not call list for over 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir, I was went to the Chase Bank branch at XXXXXXXX XXXX XXXX XXXX XXXXXXXX and deposit my cash USD XXXX which all in XXXX bills into the ATM. Unfortunately, the machine was malfunction and eat my cash unexpectedly. I was call to the customer service immediately twice as instructed on the receipt and asking for prompt assistance. The representative told me this case is on file and they will send a repair team tomorrow on Monday. There is nothing we can do on Sunday and will give a positive answer by eamil within two working days. On XXXX, I went to the Chase bank branch at XXXX XXXX XXXXXXXX and explained the whole situation with a private client banker. He discuss this case with the back office by his landline phone. He told me this case under investigation and will give me a feedback within two days by email. However I still not received any positive response after three days. I went to the Chase bank XXXX at XXXX XXXX XXXX on XXXX XXXX and ask a banker is there any update for my case. She talked to the back office and told me this case still under investigation and will give a feedback in two days. Meanwhile, the bank will credit USD XXXX to me and will release the other amount after the case closed. Regrettably, I did not receive the credit as promised. I went to the Chase bank branch at XXXX XXXX XXXX again to seek for further assistance on XXXX. The XXXX XXXX XXXX talked to the back office the situation I was encounter. He told me the bank will credit USD XXXX to me immediately and the back office will provide a final decision within three days. On Thursday morning, I received a email which says as result of researchs there was no deposit made to my account. They disputed the cash deposit for USD XXXX dollars. 
Please kindly review this case and investigate all recording videos on the ATM and the branch XXXX XXXX XXXX to ensure my statement is truly correct. While I was made this cash deposit as mentioned above, there are three witnesses beside me. Two of my friends from XXXX and one security guard on duty on XXXX XXXX morning at XXXX. Your kind attention and prompt assistance is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On our about, XX/XX/XXXX, I received noticed from LoanDepot that they did not have my current policy on file. I immediately updated LoanDepot with my insurance policy through their insurance portal. Subsequently, my loan was transferred from LoanDepot 's New Jersey service center to their Texas service center in XX/XX/XXXX. When the transfer was made, two errors occurred : 1 ) I received a notice of an escrow shortage of {$780.00}. I called LoanDepot and they said it was because they did not receive a full refund from the insurance carrier they used to place force insurance and that was because they said I had a lapse in coverage. I informed the service rep that I do not have a lapse in coverage and that the LoanDepot insurance department is in receipt of my Insurance Declaration page which evidences insurance from XX/XX/XXXX to XX/XX/XXXX. 

2 ) My XXXX automatic payment, which is scheduled to come out automatically on the XXXX of every month, was deducted on the XXXX. I have not changed my authorization since I authorized it in XXXX and payments should not be deducted until the XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX and sent him the declaration page of the insurance to his email at XXXX and no one is able to help. I called again today, XX/XX/XXXX and spoke to a women at the escalation department for escrow services and she sent me back to New Jersey. New Jersey phone services won't connect me because the loan is no longer in New Jersey, but Texas. 

I have now spent hours on the phone trying to resolve this to no avail. I want the escrow shortage removed because it is assessed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX obtained my credit report on XXXX2023 without my consent. I have not applied for a loan at this company Ever.

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 2021-03-22
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I transferred {$1800.00} USD to a recipient in XXXX using WorldRemit. I immediately received a message that the funds had been paid. After about a week the recipient said they still had not received the money. On XX/XX/XXXX I provided WorldRemit with a bank statement showing that the money had not been received. I have contacted them every day or 2 since then asking for it to be resolved. They keep stating that they are waiting for a reply from the local agent and have marked it as urgent. It has now been 6 weeks and the money has not be delivered and WorldRemit has not replied to my queries or following through on their actions for 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL 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

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 non-monetary relief