BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: MN
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:
Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

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

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights

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 2023-10-27
Company: WELLS FARGO & COMPANY
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:
I visited Wells Fargo ATM on XXXX XXXX XXXX XXXX XXXX, CA on XX/XX/2023 to draw a {$1000.00}. The initial attempt was failed to draw the money due to an error. I received help from a local associate for withdrawal. After she did something on her tablet, I was able to draw {$1000.00}. On my account transaction history, I noticed two transactions of {$1000.00} and disputed it with the bank. But bank still says there are two transactions of {$1000.00} each which is not true. I requested camera/video evidence to confirm the action but denies the request by saying video evidence won't be used for such incidents.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 A. 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. 15USC 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.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all XXXX bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

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 2023-04-14
Company: EQUIFAX, INC.
State: VA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Carter-Young, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX cellular reported me for a debt of {$190.00} due to them saying they did not receive a phone back from me. Their records show that they received the phone on XX/XX/2022. They admit they took this phone off of their " blacklist '. But in error, it went to collections anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Action Collection Service
State: ID
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:
The account was reported in XXXX when actually was sent in XXXX. I found out by looking at my credit and they never reached out to me. They also reported in payment history that was sent to collections in XXXX but account opened XXXX as collections. The information on account was paid in full and was promised to be deleted off my credit report if paid in full which it was. I asked for notes and ledgers and was refused to be given information. I never received a letter of pay off or ledger, was never deleted off report, and has incorrect information that I tried disputing. It was action collections XXXX accounts with same issues on my credit. I made payment plan and paid on time and was told it would reflect on my account as on time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello, my name is XXXX XXXX XXXX, son of XXXX XXXX XXXX XXXX. 

The reason why Im messaging the CFPB is because unauthorized transaction was made with a company named XXXX XXXX. This is a case of identity theft, and fraud on the Chase Bank account. My father passed away on XX/XX/2022. Ill find out a loan was taking out of his name in XXXX. The reason why Im contacting XXXX XXXX is that my father and I shared a bank account at the time. They used ACH Transfer and ended up withdrawing the money for themselves, while using my share account with my father to pay off the loan that accounted for the {$8000.00}. I thought it was a past loan my father took from another loan company named XXXX while he was out of work and was doing his XXXX treatment, but while I was looking through my bank account in XXXX. I seen a XXXX XXXX payment. I had no idea who, or what XXXX XXXX was so I called Chase Bank for a quick resolution, which they helped with temporary credit. Recently, I decided to check all my finances including the account that I shared with my father and thats when I found out {$8000.00} that was taken from the same company on XXXX. I called Chase about a month ago about it, I gotten temporary credit again and I didnt have evidence of what was going on at the time but I knew whoever was doing this had malicious intent. However, XXXX XXXX reversed the claim, and said it was valid ACH Transaction. Which led me to find out whats really going on and finding a true resolution for this problem. I called XXXX XXXX, they still haven't gotten back to me for resolution. I'd explain issue and nothing has transpire. Now I'm filing a complaint on Chase Bank, and further investigation I'll do one against XXXX XXXX. 

Please help me with this issue for this fraudulent problem. It wasnt giving permission to be taken, I have no idea who the assailant was. Its possibility it was virus that was in my computer that gave a hacker information about my father & I finances, SSI, and bank accounts that keep in the computer. Thank you so much. If needed, more information about my account or my father. Thank you. 

Update : XXXX XXXX had given me the {$290.00} from XXXX successfully saying it was an unauthorized transaction through Chase. However, they're saying the {$8000.00} was authorized, while Chase agrees with them ... Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer used XXXX ( XXXX ) to catch me. 
Was selling " XXXX parts ''. 
I sent money via ZELLE through my banking app for the amount of {$290.00} to XXXX, on XX/XX/2023 Claimed to be in XXXX, XXXX, CA and needed more money for customs etc. 

I sent another {$200.00} via ZELLE through my banking app to XXXX on XX/XX/2023 This scammer then used a website, ( XXXX XXXX XXXX  ) to create tracking information ( very generic information ) using this as the sender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the " items '' made it to my state, I got this massive text message claiming I had to pay another {$450.00} " refundable '' charge and fill out some form, for the local authorities to release my packages. This is when I knew I've been had. That just doesn't happen. 

According to my bank and ZELLE XXXX contacted XX/XX/2023 ), any payments made through ZELLE is like handing cash to someone. Literally zero protection against scammers. I then had ZELLE report the email address I sent money to as fraudulent. 
Other than that, there's no actions that have taken place by either ZELLE or my banking institution. 

I still have all messages/interactions if necessary/needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NC
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 following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 15.U.S.C. 1681 Section 602 A. States I have a right to privacy.

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

15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years.

15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-04-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to request that LVNV Funding remove the negative credit reporting pertaining to a debt they claim I owe in the amount of {$890.00} from all of my credit reports. Despite numerous attempts to contact LVNV Funding by phone and written letters, they have failed to provide the required documentation to substantiate this debt. 

According to the New York City Credit Reporting Law, debt collectors are required to provide consumers with written substantiation of any debt they claim is owed within five days of initial contact. LVNV Funding has repeatedly informed the credit bureaus that this debt is valid without providing any of the required documentation. As a result, I have not received any copies of the debt substantiation that I have requested.

Given the failure of LVNV Funding to provide proper documentation, I am requesting that they remove all negative credit reporting pertaining to this debt in the amount of {$890.00} from my credit reports. Furthermore, I request that LVNV Funding not sell this debt to another debt collector without first indicating that this debt has been disputed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BSI Financial Holdings, Inc.
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: Account status incorrect

Complaint:
this is my second time filling a complaint with BSI financial Services this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in regards to Flagstar Banks failure to comply with : Regulation X Specifically 1024.17 ( f ) ( 2 ) ( i ) - This section of Regulation X addresses Escrow Surpluses. 

An escrow analysis was completed on XX/XX/2023. The analysis determined that the was a surplus of approximately {$85.00}. I contacted Flagstar late XXXX or early XXXX to ask if the surplus was mailed to me. On XX/XX/2023 Flagstar paid the insurance policy for the house. The insurance they paid was@XXXX leaving an Escrow balance of XXXX. 

The representative indicated to me that a decision was made by Flagstar after paying the house insurance, to keep the surplus escrow amount. Flagstar did not issue a check but instead kept then funds but did not and has not as of this writing returned the surplus to my escrow account nor mailed a check. 

In reading Regulation X as it relates to escrow and escrow surpluses, I failed to see a provision stating that if the houses insurance comes in higher than Flagstar expects, that Flagstar can on its own accord, keep the surplus, not credit it to the escrow account, not inform the homeowner of its decision. 

Please provide the Regulation and relevant sections, subsections etc. that Flagstar used in making its decision Either refund the surplus or credit the surplus to my escrow account. I have no desire to donate the surplus to Flagstar.

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 2023-04-14
Company: The Receivable Management Services LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 A. States I have a right to privacy.

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

15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Well, I had a car that I got from a loan company name credit acceptance and I have already paid them full in balance. I did a basically a on short pay like half the amount of XXXX I had gap insurance and it covered the other half my insurance company and theyre saying that the person that documents that the car has been paid in full its still showing on my record and its been more than seven years and I really need that taken off my credit because its affecting me getting other things in the future and Ive also talked to them that I already paid his car and hes already taken off and I no longer have the vehicle because the vehicle have mechanical issues so they claimed it as total loss and long is satisfied. Its settled already.

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