BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: EQUIFAX, 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 am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, Equifax, and XXXX XXXX via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX  in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On 1XX/XX/2017 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2017. On XX/XX/2017 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2022-08-08
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX I lost my phone and wallet. I kept a lot of notes in my phone such as emails and passwords. Inside my wallet I had my license, passport, cash and credit cards. On XX/XX/XXXX there was a fraudulent wire transfer from my chase bank in the amount {$6100.00} dollars and another fraudulent wire transfer occurred the very next day on XX/XX/XXXX in the amount of {$9900.00} dollars from the same bank. I ended up going to the bank XX/XX/XXXX because I needed some cash and thats when I found out my account was a negative XXXX  dollar balance. I immediately spoke to XXXX  and we disputed these 2 fraudulent wires right away and filled out a affidavit and faxed It to chase claims department that same day. Two weeks later I get a letter stating the claim is closed and chase   cant help me. I immediately called the phone number on the piece of paper and spoke to XXXX in the fraud department and she spoke to someone in the claims department and they opened The dispute back up, two weeks later they closed it again. I called chase claims department this time and they told me there is nothing that they can do and they are not responsible for the loss of my funds even if its fraudulent. I even spoke to a manager or so they told me and she said the same thing they arent responsible for fraud transactions. I think this is ridiculous because I feel as a chase customer they didnt do anything to dispute this matter they closed It so fast and didnt look into anything for me and try to see where the money went and who got it. This is very bad business in my opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge ( letter faxed to the credit card company on XX/XX/20 ) from XXXX XXXX XXXX aka XXXX on my Fidelity Visa account ending with XXXX because I didn't receive the service I purchased ( round trip tickets, instead the return trip was cancelled ) and no adequate compensation was provided for cancellation and alternative flight arrangements. Cardmember Service failed to correctly process the dispute, incorrectly claiming that I received the services represented in the transaction. I faxed them my objection to their decision on XX/XX/20, requesting a partial reversal of the charge to compensate for the issue with the charge that I raised. Cardmember Services failed to respond to fulfill my request.

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 2020-06-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Over the past seven years I have had difficulty working with XXXX   on blocking fraudulent items. I have two police reports on file with XXXX and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that XXXX   do not send did not attach police report to dispute .XXXX XXXX  manage will return call in 24 hours per XXXX in fraud department XX/XX/20. 

XXXX also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and XXXX refused to update my credit score. 

XXXX is asking for an extended police report. once again these are not new items on the credit report. XXXX is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal credit was not willing to work with me during this pandemic. When they called I was offered no cares act support. My income has decreased significantly directly from the pandemic. I was told I had to pay over {$600.00} to bring my account current. I dont have that now. I just saw they closed my account as well. How can you charge {$150.00} in interest when I dont have the resources to pay. This is ridiculous

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 2021-08-17
Company: JNR Adjustment Company, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been over a year and I have been in constant contact with XXXX car rental. I was a victim of identity theft and have been receiving a bill for a rental that I did not reserve. I have never done business with XXXX or initiated such action. I have called and sent letters in regards to this bill of {$100.00} that was done fraudulently, in XX/XX/2020. XXXX assured me that it would be handled and now it has been sent to a collection agency. I have good credit and this is affecting me in a very negative way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, aka Nationstar Mortgage, assumed our mortgage in XXXX, XXXX. Ever since they assumed the loan, we have had issues regarding their statements which have been inconsistent, misleading, false and in one instance, documenation had been altered to change the dates to make it appear as though we were late. They falsely reported us as late to the credit reporting agencies which can be proven through my own documentation that we have never been late. A law firm has contracted with us to sue Mr. Cooper for violation of the FCRA. I have complied with every request, made every payment as directed by them, yet they continue to provide false statements that are full of inconsistencies, inaccuracies and lies. I have been making payments according to their own directive since XXXX of XXXX, yet they ignore their own statements and want me to make higher payments. As recently as XX/XX/XXXX, I received a phone call from Mr. Cooper telling me I am delinquent in my loan for a missed payment in XXXX, XXXX, 7 months ago. I denied their allegation and insisted upon providing me documentation showing the delinquency. They emailed me a document shows no payment received from me in XX/XX/XXXX. My bank account statement clearly shows that I, in fact, did make the payment on XX/XX/XXXX. Their most recent statement, obtained from their website, shows that I now owe almost {$3000.00}. My documents, supported by my bank statement and cancelled checks show that I am not in arrears as they claim. We are attempting to refinance with another company to get away from Mr. Cooper, but their derogatory credit reporting has not allowed us to refinance without exorbitant closing costs, {$14000.00} from one particular company. I have submitted numerous letters, at least 11, over the past year to inform them of their inaccuracies, with supporting documentation, yet they continue to ignore us. Their accoumting is completely erroneous, if not illegal. According to attornies offices I have spoken to and other financial institutions, Mr. Cooper has a history of such practices. They also many internet sources which show a history of lawsuits and complaints. I believe the attached document, my most recent letter to them, can better explain the extent of the mishandling of our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am writing this complaint about Trans Union and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.

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 2020-06-26
Company: EQUIFAX, INC.
State: FL
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 was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Source Receivables Management sent a letter to my address in an attempt to collect a debt which I do not owe. I was told by SRM that if i did not pay the debt my credit would be negatively affected and I would not be able to receive services with this business again. They also called me several times in an attempt to collect this debt. According to 15 USC 1692D I have been harassed and my right to privacy as a consumer has been violated. I sent over a payment on XX/XX/2021 in the amount of {$450.00} which I demanded an immediately refund as well as {$2000.00} for two violations. They never responded to my certified letter nor did they issue any payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XX/XX/XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Submitted disputes numerous times with Transunion to delete inaccurate/false information on my credit report. I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing. As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing, and has negatively impacted my life. 

The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX, acct. XXXX. I have no knowledge of this fraudulent entry on my credit report. I have no accounts with the account numbers reported. I opened no accounts on the dates referenced. I have had no communication in any way, EVER, from the reporting agencies. The above information needs to be deleted as quickly as possible and confirm these deletions within 30 days. If these fraudulent accounts are not permanently deleted, and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations, the FDCPA for violations of FACTA and the FCRA, I will also file a complaint with other appropriate State and Federal authorities. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

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 2021-05-01
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I would like to file the claim with DISCOVER BANK, who recently closed my account without any notice. This is my oldest credit card with over 10 years billing history. I was trying to solve this issue with the bank directly, but to my surprise, they did not cooperate and stated that it is the '' business decision '' they conducted regularly. I am very confused because they did not even disclosure any of the specific reasons on why my account being closed, either give me any opportunities to explain the situation. I thought it maybe relates to my recent disputes with XXXX XXXX, which I disputed for the items returned but no refund. However, since the cases are still open, I did not think it is appropriate for the bank to close my account directly without solving the issues. Actually, The merchant has already provided the proof of return from XXXX, and the case will be solved soon ( as attached ). Therefore, I felt extremely upset and have to file this claim with DISCOVER Bank for the further investigations. Appreciate if CFPB could step in and negotiate with the bank directly and reopen the account on my behalf. Thanks in advance.

Company response to consumer: Closed with monetary relief