BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. XXXX and TransUnion are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want XXXX of their customers to use their credit file to decision me. TransUnion even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ XXXX to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.

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 2019-04-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX MIDLAND FUNDING XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

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

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

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
XXXX XXXX keeps trying to collect money and keeps trying to damage my credit report, the statue of limitations already expired for them, this account was supposed to be deleted long time ago, it gets deleted but couple months later it comes back reporting in my credit report and it keeps affecting me really bad, they first were collecting as XXXX XXXX, after that as ( XXXX XXXX ) and then now as ( transworld systems inc ) with the amount of XXXX, they keep selling this account to everyone and it keeps affecting me really bad, this account should be deleted long time ago, i do not own anything to this collection company and i have never sign a contract with them or with XXXX XXXX, they haven't provided with any type of documentation on which im obligated to pay this debt to any of these collection companies, this collection its reporting with XXXX, XXXX and XXXX, and this account needs to be deleted and never being back on my credit report again, this is ilegal and its its affecting myself and my family, they dont have the right to be doing me like this, they are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!

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 2021-12-09
Company: EQUIFAX, 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 recently checked my credit report and noticed there were XXXX  loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to XXXX, XXXX, and Equifax via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the three bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
n 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

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 2023-09-28
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023, Mr Cooper, my mortgage holder was sent a payment specificly sent to be applied to my escrow account. This payment was to be applied to the escrow to reduce my mortgage payment due to an increase in hazard insurance that caused my mortgage to go up {$400.00} a month!! They used the money for the late payment. I can't put my escrow balance for the required holding amount onto the end of my loan if I do a workout plan. 

I don't understand how or why the can use they money how they WANT and not how it was instructed to be used and sent??? 

After my hazard insurance went up and I was dropped from XXXX XXXX after XXXX years, I have learned more about this than I wish. 

Hope you can tell me that they can't do this ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I suspect fraud so I get on the self lender app for support which I tried doing the bright previous to this filing and they said chat is closed and said the hours so I just check again and they dont have a number to contact so I go through the prompts that I clicked were like I suspect fraud and it goes to sent me to and agent but nobodys there no Waiting in queue just sorry bye like when am I able to contact about this fraud on my account only these XXXX charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 recently obtained a copy of my credit report from XXXX, XXXX, and TransUnion. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.

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 2021-07-05
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.

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 2022-07-19
Company: EQUIFAX, INC.
State: MN
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 recently obtained a copy of my credit report from Equifax, XXXX, and XXXX. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Continental Currency Services, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern, I XXXX XXXX sole owner of landline for 6 years have requested my number XXXX to be removed from your system for XXXX XXXX on multiple occasions and you have failed to comply so I am formally putting my request in writing and have also left a complaint message with XXXX XXXX. I will also be filing formal complaint with the Federal Trade Commision. I requested your business address today from the female representative after I told her I have requested my number be removed multiple times and that this was my home number not that of XXXX XXXX and she told me I would have to find it myself and disconnected the call. You are harassing me and interrupting my work abilities. I have never done business with this company. 


Continental Currency Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Peeved, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXXXXXX XXXX  Amount : {$460.00} Account : XXXX XXXX Owed : XXXX XXXX XXXX Amount : {$1000.00} Account : XXXX XXXX Owed : I XXXX XXXX XXXXXXXX Amount : {$180.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$520.00} Account : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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:
I have reached out to EQUIFAX more times than my age. Equifax has a relax method of investagating Complaints on a Consumers Credit Report. I have ( 8 ) INQUIRIES on my Report. I have a fraud alert on my file with a phone number. I have ( 3 ) Inquiries from XXXX from 4/6 mo. apart how can Equifax mis this I'm not applying for credit every 4 to 6 mo. ( XXXX ) XXXX XXXX Inquiries same thing 4/6 mo. apart. XXXX I have no idea about this company. I've ask Equifax to send me a copy of the application bearing my signature. FYI never gotten a response. They have been giving more than 60 days. Need this data remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Grain Technology, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had Grain a few years now. First, it started as changing my limit to the amount owed, XXXX XXXX and claiming it was done by the provider and not reversible. Okay. This was after I believe 2 late fee charges were given. Mind you, this account is and has been on auto pay since I joined in XX/XX/2021. Since then, I have been trying to get a response as to why I am charged late fees when their system fails to initiate the payments. No response to anything ; emails or XXXX messenger. I was just recently charged a late fee and emeailed over a week ago asking why and demanding all late fees be corrected. No response still. Their reviews are horrible and many seems to think they are scamming us. Their yearly fees are outrageous too. I can provide screenshots if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I had signed on my XXXX XXXX   account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the Wells Fargo branch located in XXXX square in XXXX. The ATM vestibule was locked. The manager of this branch called my phone prior and promised me the door would not be locked. There was a cleaning lady in the bank who pushed me and would not allow to utilize my money. I had to go to another ATM and was assessed a fee. The bank refused to refund my fees and basically sided with the cleaning lady. They pretended they never spoke to me about the issue of the door being locked. The cleaning lady would not let me use the ATM. Please fine this bank. They are very rude and unprofessional

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 2022-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been consistently contacting chase personal checking account starting back in XX/XX/XXXX! I have had the same exact account since opening it back in XXXX of XXXX. I started noticing things with my account such as paper statements being created ( never received any paper statements as I have always used electronic ), my address being updated to another address I have never lived at or even know whose address it is! My security alerts being turned off? I wouldnt have shut those off because they are for security alerts that fraudulent activity is going on! My debit card I have had since opening my account & PIN number changed after I deposited my settlement check! When I called Chase customer support informing them of all of these things going on with my account, they made it seem as if there wasnt a problem? I noticed a bunch of atm withdrawals on the same day at different times?! When talking with the fraud department they mentioned that they were not notified? So I thought to myself why werent they notified? Sure enough go back into my checking account & all alerts to every chase account I had were turned off! Not once did they seem concerned and when I noticed XXXX different devices on my logins the customer support rep said it doesnt matter? How doesnt it matter?! I have used only iPhones and theres computer accessing my accounts? When I put a claim in for fraud activity such as XXXX XXXX & atm withdrawals they gave me those funds back until a day later they said they were authorized?! I asked them how can you investigate all of these transactions in a day?! They said chip enabled & geo location? Clearly someone who knows my banking habits would know to use the same locations & ftc even talks about chip enabled scams?! I asked them to please check atm videos because I didnt take all of this money out! Funny thing is when trying to do my own XXXX transaction they wouldnt let me? Saying the person I am sending money tos bank is rejecting due to fraudulent activity?! Well I have sent this person money multiple times?! I am now going to be XXXX due to Chase banks lack of investigating! I need my checking account to be investigated the proper way! It is too easy to add anyones debit card manually to send XXXX XXXX & atm withdrawals!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it May concern, I received the medical services from XXXX of XXXX XXXX, when I finish the procedure that same day I ask them if I have to pay any deductible to what they answer that they have to process the service with my health insurance first, I never received a letter from of XXXX of XXXX XXXX or phone call either, I realize that I owe you money because a collector agency ONLINE COLLECTIONS GRVL reports the account to my credit under collection damaged my credit and I am in the process of buying a house for my Family, I need help to solve this problem because I understand that they had to communicate with me first, I have never refused to pay a debt. 

Thanks.

Company response to consumer: Closed with non-monetary relief