BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 2018-08-24
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm a XXXX XXXX XXXX  US Veteran, i have a VA loan on my home, the servicing companies keep changing now i have some company called XXXX XXXX XXXX from XXXX with offices in USA. 

Today i got a letter telling me that i must now pay over $ 8,000.00++++ as they now say they forgot that i have no escrow account? I have never ever had any escrow accounts ever. I pay my own taxes and insurance. They then tell me they no longer want to do that and now I must pay this money directly to them or lose my HOME? 

This is some sort of fraud and shake down in the nearly 10 years in my home i have never ever had any escrow impound account, i pay all my self and have never ever missed any payments. 

It appears to major fraud against both the VA and me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2022-11-04
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account through the appropriate procedures. 

XXXX and XXXX investigated this account effectively, the account was removed. 

XXXX failed to complete a through investigation of this disputed medical debt and it was returned verified. 

It is my understanding all three credit reporting agencies have to adherence, to the same investigative processes for a debt to reflect on a consumer report if it disputed. 

i disputed this material with all three credit reporting agencies on the same day, and only XXXX failed to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my SEVERAL endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.

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 2018-08-23
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : I've recently checked my credit report and noticed XXXX has been reporting TD BANK XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

XXXX continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later XXXX  still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted XXXX many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: PA
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 contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is a fraudulent account remove immediately, this account is in violation of my consumer rights and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 and 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I XXXX XXXX received a debt collection notice from a XXXX XXXX XXXX of Gurstel Law Firm P.C. stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regards to the collection of a debt. Further more if so it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to express my disappointment and frustration with a recent experience at one of your branches and to request the immediate lifting of a hold on my account. 

I have been unable to access my funds due to a hold placed on my account, despite having proof of a legitimate deposit. I recently deposited {$4500.00} into my account via XXXX XXXX from my XXXX XXXX. I have attached screenshots to this email as evidence of this transaction. 

Upon returning home from a trip, I discovered that my work cell phone had been stolen from my car. I promptly reported the theft and any associated fraudulent charges to your bank and informed the representative about the situation. Despite providing this information, my account remains inaccessible. 

Furthermore, I visited your branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to address this issue in person. Unfortunately, the staff members I interacted with were not only unhelpful but also extremely disrespectful, asking inappropriate questions and exhibiting rude behavior. I have recorded this encounter to document the level of unprofessionalism I experienced. 

As a popular gamer with over XXXX XXXX followers on both XXXX and XXXX, I have a significant online presence and influence. I am hopeful that this matter can be resolved promptly and without further escalation. However, if I do not receive the necessary assistance, I will be compelled to share this incident with my followers.

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 2023-03-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nissan Motor Acceptance has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Nissan Motor Acceptance I have never purchased or financed a car through this company. They placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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. I have tried to contact the company several times to no avail they wont provide me any information although the charge off is reporting on my credit. I informed them I have never financed a car with Nissan nor have I purchased a car from any Nissan dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: FL
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:
Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing XXXX XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : 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 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today, XX/XX/2021, my husband applied for a capital one card on my phone. Unfortunately, autofill switched his name to mine when enteringhis address. My credit was pulled and I received an alert. Please remove this hard inquiry from my history. I do not want to apply for another card from Capital One. One is enough!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: M&T BANK CORPORATION
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Company : M & T Bank Date : Week of XX/XX/2022 Amount : ~ {$1000.00} Action : I have spent hours on the phone with M & T Bank trying to transfer funds to complete a bank to bank transfer. Their customer service is terrible and I do not recommend banking with M & T. 

At first they did not know why my bank to bank transfer wasn't going through on my online account. Then they told me information was not matching up, but they didn't know why because my account numbers were. I suggested it may be because my middle initial was not present in the M & T account ; they agreed this could be the issue but refused to add my middle initial to solve the problem. I called my other bank receiving the transfer, and they changed my middle initial immediately to match up with M & T. Then, I tried logging into my M & T account ( as their staff instructed me to do ) and I was locked out of my account for " security reasons '' despite inputting correct credentials. 

Throughout this process, I have had to provide security codes over and over to log in to check if the transfer would go through. I've been on hold for several hours ( over 30 minutes and waiting with a current call ). M & T service is terrible and I am concerned they are not allowing me to transfer funds since I told them I would be closing my account afterwards ( after moving to a different state ). I have followed all their instructions and they have put up every roadblock they could along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: AES/PHEAA
State: TX
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:
This lender has failed to give consumer valid and proper opt out notice,16 CFR 313.7 Form of opt out notice to consumer ; opt out methods notice to report my non public personal information is being screened by unauthorized third party including sensitive information in regards to my place of dwelling like my residence number.actions by this company has directly violated the Gramm-Leech Bliley Act I have not agree to sharing with any third party this company has falsely misled the consumer/student into believing this was an agreement and under contract law to have an promissory note that was signed by me not properly used and XXXX include complaints to the XXXX XXXX XXXX All notices to consumers when sharing their personal information are prohibited when working without the person in whom it relates. Unauthorized use of identity is aggravated identity theft and maybe reported to the Federal Trade Commission. This company has also failed to provide original instrument of indebtedness in its original form promissory note in which was provided for the borrower, consumer behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, at my direction, the IRA custodian, XXXX XXXX XXXX, initiated a wire to to Chase Bank to make an investment. I provided the correct routing number, but the account number was copied from a Chase cashiers ' check, so was incorrect. The funds were sent and received by Chase and held in an account they own. 

When the error was discovered a few days later, XXXX, the sending bank, asked Chase to reject or recall the wire. XXXX reached out again and made this request. Chase has not responded XXXX it's been over a month. I contacted Chase directly and they said as an individual, I did not have standing to make the request, it had to come from the sending institution. 

The amount sent was {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NY
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 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 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 response to consumer: Closed with explanation