BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I do not know who my Private Loan lender is. Apparently, my lender has changed many hands. I am unable to contact them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: SECURITY FINANCE CORP
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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions. 

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

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 2018-05-22
Company: PLAZA HOME MORTGAGE, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2017 as part of a divorce I was required to ( if possible ) assume the mortgage on the marital home which was being held by Plaza Home Mortgage Inc. We reached out to Plaza and asked them is the mortgage was assumable to which they replied that it was and sent paperwork to be completed to start the process. I sent in the required paperwork that they sent to me, sent in all of my XXXX XXXX, bank statements, proof of income ect. Over the next 8 months they continued to send me more paperwork, sometimes two or three duplicates of what I already filled out an sent to them. After calling them on the phone to fine out what was asking so long for the assumption they told me I had to send them a check for the fee 's and closing costs for the assumption and once I did that it would be about 30 days until it was complete. 

After sending the payment ( and them cashing it ) and after the 30 days had passed I once again called Plaza to see if it was all done. They then informed me that mortgage had ben SOLD to XXXX XXXX  that very day and that the assumption would go through XXXX NOT Plaza. They gave me the new account number for XXXX which I called. XXXX had ZERO record of any assumption process and not only that, informed me that the original loan was NON assumable and that Plaza would have know it was non assumable. 

So now, 10 months later I am out all the money I paid to Plaza for the assumption and I now have to purchase the house from my ex spouse at over a full percentage interest rate than was to have been given with the assumption. I also have to pay closing costs, transfer fee 's, taxes and such. 

Plaza KNEW this mortgage was not assumable yet wasted both my time and my money. Taking money from me for closing costs on a non-existent assumed mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting 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:
I was online looking at cars in I never gave anyone permission to run my 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 2021-10-27
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, Sequoia Financial Services, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Sequoia Financial Services has failed to validate the alleged debt. Sequoia Financial Services sent copies of bills. Sequoia Financial Services did not send a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was opening a checking account online with US Bank. I got approved on XX/XX/XXXX. I submitted my form for the opening deposit transfer request, selecting credit card funding. An agent from US Bank called me and I gave her my credit card information to charge {$2800.00} as my opening deposit. I called a couple of days after to check if indeed my money was deposited to my new US Bank checking account and the agent I talked to confirmed. I called again to make sure the {$2800.00} counted toward the {$5000.00} that is required to deposit to this new checking account in order to receive the {$500.00} bonus that US Bank was offering. She said it didn't count because I used my credit card even though it was one of the options on the request form. On XX/XX/XXXX, I transferred {$2500.00} out because she said it didn't count. On XX/XX/XXXX, I tried to look at my US Bank account online and it was disabled. I called and they said US Bank closed my account. They still have my {$300.00} remaining deposit up to now, XX/XX/XXXX. They said it was closed because of suspicious irregular activity. I don't see anything irregular about the transfers that I did esp when it was only open a few days ( 13 days ) then they closed it. I think it's because they didn't want to pay me my new account bonus of {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax has inserted a column on the consumer credit reports label actual payment amounts. According to Equifax this information is being supplied by the creditor. I received my Equifax credit report and the actual payment amounts which each creditor are incomplete, blank, inaccurate and they refused to allow me to dispute this information although its considered in accurate data. Equifax is also refusing to disclose who this information is being used and how it affect the consumers credit scores. I can not find any laws under the FCRA which grants the credit reporting agencies rights to collect and distribute actual payment amounts without the consumer consent. I am asking the CFPB to provide and/or disclose how this information is being used and how it affects the consumers credit scores and right to privacy. If credit reporting agencies are allow to collect and distribute actual payment amount and I asking the CFPB to enforce accuracy of this information and how the creditor and credit bureaus legally responsible for accuracies after its disputed by the consumer and provide consumer protection from this abusive practices of reporting inaccurate payment histories.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a request for PRO COLLECT or XXXX XXXX XXXX to validate a alleged debt, what I received was a lease from 2005 in which I signed a lease with XXXXXXXX XXXX XXXX XXXX PRO COLLECT nor XXXX XXXX can not with 100 % certainty produce any documentation where I signed a lease agreement either entity. I am getting the law directly from your policy FCRA 609. If original debt can not be verified it has to be removed.. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge the accuracy of negative events reported on them. The intent of the government was to protect debtors from having inaccurate information used against them .... I hope this can be resolved without me seeking legal representation and me calling the local news to advise them that my rights are being neglected/overlooked by the agency that has sworn to protect them.

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 2022-09-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my countless attempt to file a complaint and tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my checking account that I received for doing work from a company, my bank sent it back stating that it was Alter/Fict and did not honor the check 3 day 's later I called the Bank in which it came out of and the clarified that it was from the bank their was a bank account but they couldn't give me information on another persons account but that it was a business. I asked chase fraud department if they were going to go after the company and since they froze not only my account but both mine and also my two children 's accounts also can they help get the funds for the check they said it was my problem to go after them I would have to do that, finally after a week of talking to people I at least got my two kids money out of their accounts but they did take {$6.00} from my one son 's account that was his and close it. and they closed my daughters upon her taking her money out. they put a overdraft fee on my account along with the amount of the check of {$1900.00} and they added a fee for {$12.00} to it now I get calls for collection of the account to pay it and a closed savings account in which is all fees for either {$5.00} transfer fee or a {$5.00} service fee on it nothing of which I owe. I also have called multiple times to the cooperate office for help to the XXXX XXXX XXXX for help with the check and to chase fraud and have gotten no where so I am coming to you since this started when I deposited the check on XX/XX/XXXX and it is now XX/XX/XXXX and I am still out my pay for the work and I have a checking account stating I owe money at chase frozen closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as DEPT OF EDXXXX and the other is MOHELA/DEPT OF ED. XXXX is the current processor of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MO
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:
This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 1. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With The Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
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 file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never 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 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

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 Also while looking at my Consumer Report I see that XXXX XXXX is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: Resurgent Capital Services L.P.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account 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 2023-01-06
Company: Experian Information Solutions Inc.
State: LA
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-original creditor XXXX formerly 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 # All 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 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. 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