BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
FCRA 15USC 1681 section 604 a consumer reporting agency cant furnish my information without written permisson.

FCRA 15USC 1681s -2 ( a ) 1 ( a ) no information relating to a consumer shall be furnished to any consumer reporting agency and the agency reports or has a reasonable cause to believe that the information is inaccurate. 

Equifax has admitted to giving false information and inaccurate scores XX/XX/2022. 
i am also a victim of theft, and several data breaches i have attatched documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2019 XXXX Unethical and Fraudulent behavior from Chase Reps XXXX XXXX ( XXXX Female XXXXl age XXXX ) and Mohammad ( XXXX XXXX Male XXXXl age XXXX ) at then Chase Branch located XXXX XXXX XXXX XXXX XXXX NY XXXX Phone ( XXXX ) XXXX Given the Original Power Attorney to chase bank reps XXXX and XXXX XXXX and submitted legal copy of {$10000.00} CHECK JPMORGAN, It states you can use the ORIGINAL CHECK TO RESUBMIT. ITS BEEN 48 days since we requested for the REFUND CHECK. 
Complaint XXXX XXXX XXXX Other banking product or service Managing an account JP Morgan Chase XX/XX/2019 Open Sent to Company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 fair Credit Reporting act XXXX account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account # XXXX XXXX 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 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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE THE XXXX {$21.00} ACCOUNT IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
You are to remove all personal information that is incorrect, formerly known as names except XXXX XXXX XXXX XXXX, employers, social security # information due to privacy concerns and my right to individual privacy and the privacy act of 1974 along with 15 USC 1692 of FDCPA, all addresses are to be removed except for address of XXXX XXXX XXXX XXXX XXXX Michigan XXXX you are to delete date of birth due to privacy issues immediately. You are required to remove any medical information by XXXX XXXX XXXX XXXXXXXX XXXX XXXX due to being sold to 3rd party and sharing my private medical information without my consent which you know the law passed this year requires you to not furnish medical information on a consumer. Lastly i need the consent form from you that shows i consented to have my private information given to a third party to be resold for advertising purposes between you and XXXX XXXX XXXX. If you can not produce such consent form that is required by you then you must remove said item from credit report and under State law the statute of limitation has expired on such alleged debt and i am demanding you remove said collection from my consumer 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 2017-09-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. 
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX 
They are dragging me along with no solid answers as to what the actual charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Account status incorrect

Complaint:
I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Credit Card with XXXX XXXX XXXX  XXXX. The service was terrible and the interest usurious. I paid the balance in full after a long stay at a medical facility. Human error misplaced the payment as a debit rather than a credit. When they called, I explained this to the representative who fought with me. I stopped communicating and never heard another word. 

Apparently the Credit Card representative could not understand my factual response and the debt was sold to Midland Credit for collection, who hired a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to pursue. I contacted the Law firm, explained the situation and filed a dispute. The attorney promised to inform his client with the paperwork I provided, clearly stating I was correct, but nothing happened and the debt remains under " Collection '' on my credit reports, lowering my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Affirm 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 this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2023-02-14
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-04
Company: BAM Management US Holdings Inc.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for Binance.Us. and invested a total of {$20000.00}. After the initial investment Binance continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my Binance.us account was unsuccessful. At present I have no access to my Binance account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to XXXX XXXX  and to Binance for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/XXXX I filed a dispute with Experian in regards to their inaccurate and inconsistent reporting of an auto loan on my credit report. On XX/XX/XXXX Experian sent me a letter saying the information has been updated. Only to find out the information reported by Experian is still inaccurate and inconsistent. Experian has balance of {$17000.00} when the creditor has a balance of {$13000.00}. I have been constantly disputing this inaccurate and inconsistent account with Experian and they have yet to delete this inaccurate account which is a violation of the law. As of XX/XX/XXXX this inaccurate and inconsistent account still remains on 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 2023-02-25
Company: M&T BANK CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. Account was opened and funded with {$5500.00} initial deposit under the Business Checking Account promotion for the Tailored Business Account ( which will be attached below ) on XX/XX/XXXX. There was a link I clicked and no other offer code or value to enter anywhere on the online application.

2. Offer prerequisites of maintaining a minimum daily balance of at least {$5000.00} for 3 month duration were completed on XX/XX/XXXX. I received no interest during these 3 months. 
3. I called and the agent confirmed that the disbursement of the offer should occur in the coming days. ( representative XXXX XXXX on XX/XX/XXXX. 
4. Wrote secured message to XXXX, on XXXX XXXX who denied that the offer has been applied and I had to go into the branch to talk to a manager, despite having been told otherwise a week prior.

5. Call customer service to clarify on XX/XX/XXXX, and escalated to supervisor who was unable to provide any resolution other than provide an apology.

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 2021-05-04
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed attempting to buy tickets to a concert on XXXX. I was told to transfer the money through Zelle XXXX XXXX $ XXXX and then the seller completely disappeared after I transferred the money. XXXX XXXX and Zelle deny being able to cancel the payment and wont investigate the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 60 days ago I sent the credit reporting agencies a letter regarding some information on my consumer report that I never consented to be reported. I have been patient with my time but enough is enough. The FCRA stated that any disputes should be completed within 30days. I don't see where the law that is allow 45 or 60days to respond if so please show me in writing or else I expect a response to my complaint immediately!!! I as a natural person ( consumer ) who is protected under federal law demand these accounts to be removed from my consumer report. There is a clear violation that the law has been broken, I'm tired of my request being ignored so something needs to be done about this.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-09-02
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, an application for a loan modification was submitted to XXXX and to the servicers law firm via email, with all requested supporting documentation attached. 

On XX/XX/XXXX, a letter was sent to my lawyer through my servicers lawyer saying that I needed to provide my most recent Tax Returns. On XXXX XXXX, I submitted those XXXX tax returns through my lawyers office who emailed them to XXXX and their counsel. A delivery receipt was obtained. 

My lawyer received an email from the servicers lawyer on XX/XX/XXXX, saying that they could not access what had been sent to another staff person at their firm and noted that the servicers notes indicated that the XXXX Tax Returns were still marked as missing. My lawyer responded promptly to the servicers firm, attaching the XXXX Tax Returns again and explaining that they had been submitted to the servicer well before the deadline, on XX/XX/XXXX. 

Today I received a letter from my servicer dated XX/XX/XXXX saying that the review of my loan modification application had been closed because they had not received the requested missing documentation. My lawyer disputed this with the law firm, and they told him since my tax returns were e-filed, the digital pin and verification signatures at the back of the returns were not acceptable. No one ever told me this. They just treated me like I didn't send them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Office of Maury Cobb '' has called using several different phone numbers. The office is listed online as a scam debt collector that buys debt. The most recent number the robo call came from was XXXX. My phone caller ID has every number the office of Maury Cobb has called listed as a " Potential Spam ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scam reason : criminals offered job opportunity and a house payment. 

Wells Fargo Bank Account Name : XXXX XXXX Account No : XXXX Routing No : XXXX Swift Code : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX received {$10000.00} from my bank transfer. 
Wells Fargo to Wells Fargo.

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