BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Amsher Collection Services, Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally lodge a complaint regarding an unauthorized XXXX account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a XXXX account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I will need the items I have asked for in the previous reports from the cfpb. I have not received the evidence I have asked for I will take civil claim.

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 2022-11-15
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: Account status incorrect

Complaint:
Five derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as 60 days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each one of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by three different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over 50 and 40 points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Optimum Outcome XXXX robot calls cell phone frequently. The message does not state the business they are collecting debt for or how to submit a payment. 

FDCPA AND TCPA ACTS guidelines state debt collectors to must identify business debt is owed to, amount of debt, how to pay debt. 

A business was owed debt and my account was credited in XXXX. The business stopped the harassing letters in the mail but Optimum Outcome keeps calling cell phone frequently. 

The business who has credited my account has been contacted VIA many EMAILS to stop Optimum Outcome robot phone calls to my cell phone number. 

Record all calls from XXXX on cell phone for records so legal action against Optimum Outcome is an option. 

Optimum Outcome does not provide an address of their place of business. I am sending a cease and desist all calls to my cell phone letter to this address which was online. 

Optimum Outcomes , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXXXXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX  Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection

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 2019-01-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I filed a complaint about this exact same claim of debt with another debt collector and it was deleted because it could not be verified. Now this company is reporting the same debt claim and never once contacted me by phone or mail. This is damaging my credit and I have placed a fraud alert on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX PNC BANK is trying to over charge me on my escrow account trying to raise it by {$2900.00} dollars so I want to take over paying my taxes and insurance myself and they agreed but are trying to charge me a escrow account closure fee of {$350.00} for closing it my mortgage was bought out by them from XXXX XXXX mortgage who bought it from XXXX mortgage company and it is not in my contract that I have to pay to cancel the free service I filed a complaint with them and have not heard from them as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-08-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. Erroneous account direct violation of 16 CF 444.4 Late Charges XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2022-11-15
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Called Mohela XX/XX/2022, advised it was filed. 
Called XX/XX/2022, on hold for 2 hours, I hung up because 2 hours. 
Called XX/XX/XXXX, was told " it's filed '' and nothing beyond that. 
Also sent two secure messages through MOHELA portal, no return message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written Instructions. 

XXXX XXXX XXXX section XXXX ( A ) States I have the right to privacy. XXXX XXXX. XXXX. ( A ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX  XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2023-08-21
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
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:
My Name is XXXX XXXX XXXX the following addresses below are inaccurate. 

addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681i I demand an investigation be done and these addresses be removed immediately. This has been a great inconvenience to me. My proof of address has been 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was never given my cash back bonus of {$600.00} after spending {$4.00} XXXX dollars within 3 months. And massive unauthorized fraud on my account which bank of America is refusing toacknowledged. Collection agency are constantly calling me and Boa puts me on hold never to pick back up after telling them about fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One has twice in the last few months denied me credit without sending me the required denial of credit letter/explanation. 

In the first instance, I applied for a card, and they wouldn't approve it because I had a prepaid phone instead of a contract phone ( even though they texted me to confirm the number ). So they said I needed to send them proof of identity, SSN, and current address. I sent them a copy of my passport, social security card, and a then current bill with my address. They ignored me. So I sent that all again after a few weeks. Again, total silence on their part. 

In the second instance, I applied for a card. Once again I verified my phone via text. This time they required proof of identity that had a barcode on it. I only have a passport, which does not have a barcode on it. So I took a picture of a barcode for them. A few days later, I received a letter stating that they once again needed proof of identity, SSN, and current address. So this time I sent them a copy of my passport, tax returns to verify SSN, and a mortgage statement to verify the address. Once again, they have ignored me. 

They've made me waste a lot of time with their excessive requirements. The least they could do would be to tell me why they're still denying me credit after I did everything they asked - twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Upstart Holdings, Inc.
State: NV
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:
I have a late payment and I make all my payments on time I can take that payment late is the first time I see that because I do not like to have late payment on my credit report I can remove that late payment in my credit report please

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation