BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 - XXXX XXXX. 
has violate my right. 
15 U.S.C 1681 section 602a. state 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.

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 2021-01-21
Company: JPMORGAN CHASE & CO.
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 have made many many complaints to CFPB regarding a Chase card and fraud in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully Chase will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from Chase offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello My name is XXXX XXXX. According to 2 letters I received from Phoenix financial services, Original Creditor XXXX XXXX response, Current Creditor XXXX XXXX XXXX, XXXX. I've managed to contact Phoenix Financial Services, LLC over the phone and asked to disputed this for lack of information so the did, 2 weeks later I received a letter stating its my debt. The letter didn't have my social security number not even the last four digits, so I called them back and asked them to send me anything that I may have signed and they refused telling me they can't do that and that I need to get a police report instead after they will remove the debt from my credit report. I feel like no one is trying to help me resolve this issue that I clearly have no idea about nor have I ever been to the part of the state to accumulate this debt why won't they send me proof with my signature to prove it belongs to me.

Creditor Account XXXX XXXX Phoenix reference numbers XXXX, XXXX XXXX {$2300.00} claimed That I owe. I've disputed with XXXX 3 times I've disputed with the collection agency once after so many attempts trying to contact them and the original Creditor, Phoenix Financial Services, LLC ( XXXX XXXX XXXX XXXX Indiana XXXX ) Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I first attempted to create an account on the Equifax website XX/XX/XXXX. I input all of the information they requested : full name, date of birth, entire social security number, address. I then answered all the questions that were asked. But, still, I was denied access to my credit report. The last time I tried to gain access to my credit report was XXXX. XXXX. XXXX. Again, I input all of my personal information, and again denied access to my credit report. Many consumers online are reporting the same issue. Not only am I being denied access to my credit report, now, Equifax has captured all of my personal information, and I am unable to opt out of the sale/disclosure of this information. Since Equifax has denied access to my credit report, Equifax should not have captured my information. My only intent in attempting to create an account is solely for the purpose of accessing my file. Since I am being denied access, I would like to ask Equifax to provide me with a disclosure of the information they have collected and a process to opt out of the sale/sharing/disclosure of my personal information that I unintentionally provided. However, I can not do this without being allowed to create an account. If Equifax is going to capture a consumer 's information with the risk of not gaining access to the consumer 's file, Equifax should place a warning on their website alerting the consumer of this risk. Furthermore, the consumers ' information belongs to the consumer. Anyone whose information was captured in such a manner, should have an easy process to manage or delete that information they inadvertently provided. So, I am asking the CFPB for assistance with being able to manage how the information Equifax obtained from me is used, and assistance with gaining access to my file. I have accounts with the other XXXX bureaus. So, all the data I input into Equifax 's website is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HSBC refuses to acknowledge or provide a date when funds of {$10000.00} will be returned to XXXX XXXX on a requested closed account over 5 months ago. The letters provided. are outdated, disconnected and unrelated to the return of funds. 

The first form letter dated XXXX XXXX was addressed to me, but not sent to me directly and received on XXXX via CFPB, mentions processing time takes 60 days. In my case over 120 days have passed with no resolve and no explanation. And for closure, I was told the account was closed sometime in XXXX. The letter provided is so vague with no accountability enabling this saga to go on forever. This letter mentions a check will be sent once closure occurs. Closure of what? 

The second letter brings XXXXXXXX XXXX XXXX into the complaint. HSBC was told in an XXXX conference call that this is an issue better them, HSBC, and XXXX XXXX. They provided the bank action and HSBC accepted the funds. 

The letter from XXXX XXXX in the attachment is all they will provide. If HSBC feels this is important, they need to call XXXX XXXX XXXX to fulfill their Bank-to-Bank requirement and leave out the customer that has no authority in directing the actions of a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: The Phoenix Recovery Group
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I obtained a copy of a report that indicated I had an outstanding debt to an apartment complex ( creditor ) for approximately {$4100.00}. The " debt '' was purchased by Phoenix Recovery Group XXXX XXXX XXXX, TX XXXX. This is not my debt. Please note that I was a victim of both XXXX! and XXXX  data breeches ( confirmed ). Also I have had a vehicle broken into and personal documents stolen. 

When I contacted the collection agency ( Phoenix Recovery Group ), I informed them that the account was not mine and requested all documents related to the debt including proof of assignment. Phoenix Recovery 's response was for me to provide government ID establishing " who '' I was and utility bills, check stubs, etc., establishing my address. That information was provided. The document that was received was a single sheet copy of a rental agreement bearing ( a variation of ) my name and nothing more.

I have attempted to reach out to them several times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions 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:
After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and XXXX credit companies. It was removed from Experian as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.

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 2022-04-26
Company: Experian Information Solutions Inc.
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 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
Consumer complaint received 2022-04-26
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I've been receiving phone calls from GC services at ( XXXX ) XXXX indicating that I owe them debt for the state of XXXX XXXX  XXXX for taxes in XXXX. I was unemployed in XXXX and there's no way that I owe this debt. I filed bankruptcy in XXXX and all debts were paid or dismissed. I'm being exploited for debt that was already paid. Please help. I've reached out to this agency several times. Although I'm being discriminated against and exploited, my complaints are not being resolved. I'm requesting proof of the debt owed as it is disputed because of resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2019-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When first speaking with a loan officer we explained that we were looking to consolidate our 1st and 2nd mortgage. He assured us this would not be a problem as long as the appraisal came in at the necessary value. While we have very good credit, we were made aware of a fraudulent card opened in my name at a department store with an outstanding balance and late pays. After further discussion and noting that this was not ours we were again assured that there would be no problems and on XX/XX/XXXX we received our Rate Lock Guarantee noting a Fixed 30 year term at 4.5 % with a rate buy down of .125 %. Everything was in order so we asked them to continue with the process. On XX/XX/XXXX however, we received yet another Rate Lock Guarantee disclosure stating that the rate is now 4.75 % but did not disclose any reason as to why it was increased. When speaking with our loan officers manager, XXXX XXXX, he only said that these things happen sometimes even though there were no material changes since the date of the first Rate Lock. I am also providing an estimate provided to us back in XXXX of 2018 that notes we asked to consolidate a Heloc much before the negotiated Rate Lock of 4.5 % was provided and even noted by the loan officer. We ask that Wells Fargo honor the terms they set forth in the same way they would expect a borrower to honor the terms of repayment. 

Lastly, my wife is an employee of Wells Fargo and works in a local branch. When the decision was made that they would not honor the locked rate the loan officers ' manager, XXXX XXXX, took it upon himself to contact her direct manager and gave certain details about our loan and that it would be  declined if we did not accept the rate. My wife 's manager had no reason or right to be given this information and was at no point included in the mortgage process. My understanding is that this violates the Graham-Leach-Bailey act under privacy guidelines. I must insist that no further information relating to this transaction be shared with anyone not directly involved with the matter as the previous contact felt like an intimidation tactic.

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 2021-01-04
Company: Asset Recovery Group, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have repeatedly requested they send me a validation notice. I still have not received anything to verify thier claim of money owed. There is nothing to access online. I am told they are unable to email it, paperwork would be mailed. I have yet to receive any mail correspondence. Per FTC guidelines I should have received that documentation within 5 days of initial contact. 

They have left voicemails on my shared cellular phone number stating that they are a debt collector attempting to collect a debt. The caller leaves the ARG phone number but the caller doesn't disclose their name or the company name in the message. I had to do a web search on the phone number to find out who it was that called. This is another violation as the FDCPA does not permit debt collectors to disclose personal information to any third party.

I have never signed a HIPPA release form for the alleged creditor ARG to have access to any of my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a student living in XXXX XXXX, California and I am moving to XXXX to continue my studies. I contacted someone in a XXXX XXXX New York XXXX, XXXX - Housing, Apartments, Rooms, Sublets, Roommates called XXXX XXXX for assistance to rent an apartment for a month in XXXX. He helped me along the way and provided this site XXXX XXXX XXXX  as backup for his fraud. He assigned me an apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX where I paid {$1400.00} XX/XX/2021 on a XXXX transfer. However, after paying I found the same apartment at XXXX XXXX XXXX and it look totally different. 
I got an offer to pay two month so I could get the third month for free and I accepted the deal. When I asked for a new contract, XXXX XXXX asked me to deposit the money on a different XXXX user belonging to XXXX or XXXX instead of depositing the the inicial XXXX account to XXXX or XXXX. Through XXXX I got the lease contract which seem totally transparent, but then I notice that in their website there are some agents names which I looked at XXXX website and found XXXX XXXX XXXX and saw that her pictures were liked by XXXX people mostly from XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and others. That was what made me open my eyes about the fraud. 
I am willing to help and provide any prove you need about this incident. I already reported it to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So I have an account with Bank Of America I have a checking and saving account but every month they charge me XXXX $ into my saving account for maintenance fee which makes no sense at all, theyre not even charging me for not having money on my saving its juts for a random service fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: PA
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:
This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Lentegrity Management, LLC
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 status incorrect

Complaint:
My car was totaled and my insurance paid ( Lintegrity loan company ) the value of my car but I had a remaining balance of {$2600.00}, On XX/XX/2023, {$1800.00} was reported as charge off on my credit, I reached out to Lintegrity company to because the information stated was incorrect I was informed by the rep to file a complaint to get it off being as they didnt inform me I had to pay off my remaining balance within 60 days of previous insurance payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage with PHH Mortgage with an FHA went through the Covid program which is the Covid care act.

I applied for a grant it was paid my understanding was there was not to be any derogatory remarks on my credit report and I see that there is which says 8 late payments which may be affecting my credit for further financing I feel this needs to be corrected! As soon as possible Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent.

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