BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FROM CFPB WEBSITE : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy XXXX home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 

XXXX, XXXX, and Transunion are not honoring the 45 day rule. I shopped around the week of XX/XX/XXXX - XX/XX/2022 with XXXX different banks. I now have XXXX different inquires and the credit bureaus will not remove the other XXXX, and the worst part about it it lowered my credit rating over XXXX points! 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is account for XXXX XXXX XXXX XXXX is not my account I notified Trans union on this but they refuse to delete it. Amount XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NJ
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered an age defying collagen eye cream from a vendor on XXXX called XXXX for a total of {$25.00}. The order # was XXXX. It was delivered on XX/XX/2018. On Sunday XX/XX/2018 I  contacted the vendor in order to return the product at XXXX. On Monday XX/XX/2018 XXXX from XXXX responded and said that I would have to return the product back to XXXX with a tracking number and I would be responsible for the shipping charges. Or she said I could get a 30 % refund and not have to return the product. On Thursday XX/XX/2018 I accepted the offer of 30 % partial refund and asked when I could expect the refund. On Wednesday XX/XX/2018 XXXX responded that she had submitted ticket # XXXX to the fulfillment team to process the original payment method and I would receive an email confirming once the process was complete. On Thursday XX/XX/2018 and Wednesday XX/XX/2018 I emailed both times that I had not received an email or refund. I have not had any contact with the vendor since then. No emails or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Also listed on my credit report twice. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Upstart Holdings, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an email in regards to the payment on my auto loan with Upstart. I received the email at XXXX. According to Florida regulations it is against the law to contact an individual by phone or email prior to XXXX. There are fines associated with breaking this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Colony Brands, 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:
On XX/XX/2020, Ginnys and XXXX XXXX XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX  Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a Senior Citizen these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Ginny 's, The Swiss ColonyXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-12-03
Company: JPMORGAN CHASE & CO.
State: PA
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 rewards from credit card

Complaint:
I made a purchase with XXXX  XXXX using Shop through Chase on XX/XX/19 on my Freedom Card for {$150.00}. The Chase Ultimate Rewards site stated that I would receive an additional 6 points per dollar spent shopping through that site. I clicked through the site and was transferred to the XXXX  XXXX   site, where I proceeded with the purchase. I followed all stated rules on the Ultimate Rewards site - continued in the same browser window, didn't use any outside coupon/promo codes, etc. When I hadn't seen the activity show up in my Ultimate Rewards account, I reached out to Chase to inquire about it and they told me that I was not eligible for the bonus points because I didn't shop through their portal, when I did and followed all posted rules completely. This is unfair and deceptive that I wasn't given the points promised if I followed the rules and shopped through their portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: OneMain Finance Corporation
State: IL
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:
On XX/XX/2022, One Main Financial and ONEMAIN, added an inquiry to my credit report. After further investigation and research, the debtor did not call MY PHONE NUMBER AND VERIFY IF I WAS THE PERSON INQUIRING FOR A LOAN. I SPECIFICALLY HAVE A FRAUD ALERT ON MY REPORT FOR A REASON. According to the FCRA, ONE MAIN FINANCIAL has violated my rights as a consumer and I am requesting legal action to remove this inquiry from ALL THREE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNT # XXXX purchased a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. 

Attempted contact to settle debt no response. When reporting they report a fraudulent delinquency date of XX/XX/XXXX when in fact the date is XX/XX/XXXX. there is a discrepancy of 2 years which lengthens the time frame it is allowed on credit report. Have written them refused to correct the date. Law states this is not legal.

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 2023-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NY
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$890.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$960.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}. Please update.

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 2022-02-02
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 I purchased a home near XXXX XXXX, XX/XX/XXXX. Standard Mortgage Corporation required that we escrow both taxes and insurance. At closing we prepaid a year 's insurance premiums ( {$1100.00} for homeowners insurance, plus {$1400.00} for flood insurance ). 

Now XXXX XXXX says they have not received any payments from Standard Mortgage and if they are not soon paid I will have to pay the premiums all over again, this time directly to XXXX XXXX. 

I have sent an email to Standard Mortgage and talked to XXXX XXXX in Customer Service when she called me today. She is not sure whether the problem is with Standard Mortgage or with the Title Company that did the Closing. I know that, per the Closing Documents, I paid the funds to Standard Mortgage, and therefore that is who should make the payments. XXXX XXXX has the correct address for Standard Mortgage 's Escrow Department in XXXX XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the account as it is opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
Please see the attached documents to understand what had happened.

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 2022-01-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

XXXX, XXXX has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

TD bank/targetcred has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I check my credit report and saw these XXXX accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the XXXX payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-13
Company: INDEPENDENT BANK CORP.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX  I made a deposit of {$1000.00} on the ATM at Rockland Trust Bank  in XXXX Massachusetts and the deposit went through but in the next morning the money was gone I called them and they promptly credited the money to my account and I thought all the issues were resolved but then on the same day later the money was taken again and when I called them, they started another report and told me that the problem was with the ATM that I used and since then I've been calling every day and it's been almost a week. Actually it's been one week and I called them today and they said they have no answer they can't help me and I don't know what to do. I am missing {$1000.00} and I really needed the money to eat and right now it's causing a major inconvenience.

Company response to consumer: Closed with explanation