BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: TX
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:
My Equifax account and credit report was affected by data breach I can not login to Equifax account to view report, I can not open new account because email is already associated with equifax account. I tried getting help from Equifax and they could not help me reset password or give me a explanation to why they could not get my account to work. I am a victim of a data breach please help my personal information was impacted by this incident. I have proof that shows I was affected from the date of breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have had an ongoing issue with all three XXXX  regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: AZ
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. 

Equifax XXXX XXXX XXXX sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX ( Late Payment On Closed XXXX & Paid Off Account Only Shows On Equifax Report - Late Payment Forgiveness Letter Sent XX/XX/XXXX, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments Only Shows On Equifax XXXX XXXX Report - Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  - {$3500.00} XXXX XXXX  - {$460.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2019, I received a notice from JP Morgan Chase Bank, N.A that checking account that was opened in my name was being blocked due to not providing information that the Bank requested. On the same day, I received a Chase Debit card also in my name for this account, card number : XXXX. I did not open this checking and contacted Chase Bank 's fraud department. I informed the Bank that the account was fraudulently opened in my name and asked that it be closed immediately. I also requested details of how, where, and when the account was opened in my name. The individual that I spoke with refused to provide me with any information regarding the account unless I provided her with my Social Security number. I refused to do this, as I am uncertain what information the Bank has. I requested a supervisor, who also refused to work with me to resolve this issue. I then filed a report with Identitytheft.gov and sent a form letter that was provided to JP Morgan Chase Bank, N.A on XX/XX/2019. Todate, I have not received any reply from JP Morgan Chase Bank, N.A. My concern is that a checking account was fraudulently opened in my name and Chase has been unresponsive to my inquiries or letter.Because of this fraudulent checking account, I have been forced to place a " Fraud Alert '' in my name with all of the credit reporting agencies. This has resulted in difficulty in opening new credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2021-04-29
Company: Mr. Cooper Group Inc.
State: MD
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:
I have tried unsuccessfully to get Nationstar dba Mr. Cooper to fix inaccurate information off of my credit reports regarding a former mortgage that I had. I have also gone to each of the credit bureaus to get information corrected without any success. This includes XXXX, XXXX  and XXXX. 

My former mortgage with this company shows that my account is actively 120 to 150 days late and in a derogatory status. I am being denied student loans because of this matter. Home was sold in XXXX and of XXXX in a short sale due to divorce. My credit shows account is in a delinquent and derogatory status and is currently at least 120 days past due. 

I contacted credit bureaus and Nationstar many times now. Nationstar provided me with a copy of the mortgage release when property which was located at XXXX XXXX XXXX XXXX XXXX MD XXXX under loan number XXXX. I have sent to bureaus to demonstrate there is no current outstanding balance, it is not in a current derogatory state and no money is owed any longer. Home sold and home transferred to new homeowners at that time. The other issue with Nationstar/Mr. Cooper is that I even had an offer for a higher sales amount to sell home in XXXX and it was denied. Home didnt sell for many months past that and another offer came in lower and was accepted. Meanwhile, the home sat and continued to negatively affect my credit in the process. I guess that is why there is a class action law suit against this company for repeated violations from foreclosures and short sales. 

Anyhow, I did manage to have XXXX  report corrected in XX/XX/XXXX. But, it has since recently changed again to a derogatory status and currently late 120 days. I have tried to contact bureau and have been unsuccessful in getting this corrected. All parties involved are not fixing this issue. I cant even make any more requests to the bureau because they are verifying the accuracy as correct due to information verification received from Mr. Cooper. 

This is a blatant violation at multiple levels and clearly violating my rights under the Fair Credit Reporting Act. Neither the credit bureaus not Mr. Cooper are correcting the data. Data gets periodically updated with wrong information, account keeps getting re-aged and doesnt reflect the accuracy of this former account. 

I am requesting help because I am not sure what else can be done on my part. I need the bureaus and Nationstars assistance in helping to resolve this matter. I have called, emailed and done everything humanly possible without success. This account needs to updated to reflect accurate information immediately or be deleted from my credit report. There has been ample time to resolve this. 

I can not get a student loan for my daughter because of a currently delinquent status and incorrect reports being made. Very wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.

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 2020-10-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland funding has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called Midland funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe Midland funding is overcharging me and they will not discuss my account with me I don't understand how Midland Funding a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recieves a EIDL Targeted Advance Grant from the SBA to my Chase personal checking account. I Had checmed with the SBA prior to deposit and was informed there should be no problems using the account. As well i had already received a PPP loan prior to this with no issue. Chase froze my account due to suspected fraud. I immediately went to my local branch with numerous documents showing i have been in business for over 6 years, including an old business checking statement, XXXX tax returns filed with schedule c business taxes, invoices to clients and more. After spending over two hours with the branch manager on the phone with their fraud department i was informed that only a EIN which i am not required to have as a sole prop ( ive always used my social ) can unlock my account. I speak with the fraud dept on the phone and am told that " if '' the documents i submitted are approved then i will receive a check within 10 business days. Now after researching online i have zero confidence that will happen as numerous others are in the same boat and even after jumping through every hoop imagineable have still not received access to their account or return of their funds. I spoke with SBA and was told they had no right to do this and to submit my loan docs whoch i offered but was told not neccessary and the taxes will do. I received no communication from them regarding this it was only discovered due to my own due diligance and i rightfully obtained these funds and am a legitimate business owner. This restriction is impacting my business and finances severely and chase is out of line and im sorry but based on events/research i do not trust them to do the right thing so i am proactively filing this complaint.i have attached proof that i am a legitimate business owner and these funds were not obtained illegally and are rightfully mine. I look forward to a timely response and hope that you can help or i will obtain legal counsel as my next step. Chase has no right to put peopke through this ordeal in these already hard times!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I filled bankruptcy in XX/XX/XXXX I did not include my mortgage in the bankruptcy. I have been on time and have not missed any payments. I did not reaffirm the loan. My mortgage company Wells Fargo has not been reporting my payments to the credit reporting agencies or has reported it as included in the bankruptcy. I have been in contact with them multiple times in the past week and they have refused to correctly report the information because I will not reaffirm the loan. My attorney has advised me against reaffirming the loan as it is not required and by per my attorney the credit reporting agencies should be receiving my updated payment information. The last payment Wells Fargo has reported is XX/XX/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 2021-06-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a transfer to myself for XXXX $ they cancelled it, I have yet to receive my refund It's been a week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: I.C. System, Inc.
State: PA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY 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 2020-10-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
HI, i HAVE A ACCOUNT WITH pnc bank. It started with a transaction of with XXXX XXXX.I was trying to get a loan in which for months it went nowhere.I had paid them XXXX to get my loan then in turn stated it would continue to send them money.XXXX then XXXX I ended up going through another place due to them requesting money. I paid that company XXXX the XXXX and got a new place.I disputed this with pnc back in like XXXX or XXXX and now in XXXX, My account went negative. Not only did they make it so that I got several XXXXlike 5 or 6 of them to make my account negative for that fraud XXXX that I disputed and did not hear back from them for months. I disputed it again and the lady filed something on it. That company that plans gave my money to did not perform a job for me and I requested my money back hired a realtor who got me in a home without a loan and I paid it off. Now when pnc made my bank negative I had already got my social security check paid all my bills and that was several days before they posted this XXXX negative then gave me XXXX fees like 5 or 6 times made all my bills negative for this fraud XXXX that was disputed and I never dealt with that company after instead hired a realtor who got me in a home and now pnc made my account negative multiple times to get XXXX times 5 or 6 plus that XXXXI want the negative removed.I did not hear back from pnc to this account until XXXX when it was disputed months ago due to fraud.I want my money that was already in the account that was taken and the account fixed.I do not owe that company any money and I will not pay for a fraud item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 accounts listed below have 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXTransunion and 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 2021-05-05
Company: Diaz & Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Again another debt collector Diaz & Associates has sent me a letter trying to collect a debt I already paid. In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Diaz & Associates. I have tried through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. They have even called my friends and family asking where I am and told them I owe money. Also they have threatened further legal action even jail. Im tired of these debt collectors selling my information to new debt collectors every time they find out I do not owe that debt. It should be illegal to sell information to debt collectors if the debts have been paid. Enough is enough I want something done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX  reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

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 2022-04-29
Company: Healthcare Collection Specialists, Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
XX/XX/22 XXXX XXXX XXXX  RE. This account is already disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation