BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
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. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : 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 2023-11-16
Company: EQUIFAX, INC.
State: NC
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount is incorrect the company kept the security deposit of {$2000.00} dollars and additionally said I owed them almost {$3000.00} dollars due to damages on a home left in excellent condition. There was not a write out or any receipts giving to me saying how I owed the amount requested and legally wear and tear does not count.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Police report was obtained with someone commiting identity theft on several accounts. Remove all iems from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: TN
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 several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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 received a hard inquiry on my XXXX account from Bank of America. Bank of America, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to XXXX to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from Bank of America. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.

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 2021-11-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I closed my chase checking account on or about XX/XX/2021. The reason I closed the account was XXXX fraudulently took {$650.00} and {$650.00} a second time for a total of {$1300.00}. I went into Chase bank and reported it as fraud. I attempted to purchase a puppy off XXXX for {$650.00} but XXXX sent that amount twice! 
1 ) First of all I never received a puppy 2 ) Second, I never purchased 2 puppy 's, only 1 which I never received. 
3 ) This entire post and purchase was fraudulent.

4 ) My SSDI check went direct deposit into the chase checking account in the amount of {$1200.00} on XX/XX/2021. Since chase was showing a negative balance due to the fraudulent puppy purchase of {$650.00} X {$650.00} or {$1300.00}, chase applied my XXXX check to said negative balance and overdraft fees associated with it. 
5 ) That transaction left a negative balance in my chase checking account.

6 ) Even though the account was closed, Treasury direct deposited my VA XXXX check into the closed Chase checking account despite me calling VA by XX/XX/XXXX and providing the VA my new routing and account number so my XXXX check would be sent to my new bank, VA sent my check to the closed Chase checking account. 
7 ) I now have a positive balance of {$3600.00} in my closed chase checking account and chase will not release my money to me. I was at the chase branch in XXXX, TX. this morning to no avail. 
8 ) I am a totally and permanently XXXX XXXX Veteran and my checks from XXXX & VA are what I live on, so now I can not pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to dispute an erroneous loan account through XXXX, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( Upstart ) insists they sent the documentation that the loan was paid off on XX/XX/2023. Upstart is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with Upstart as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit. 

In addition, I have one late payment with this company, while I understand this was an issue on my part, I did submit applications for hardship assistance which were denied due to being too close to the payoff of the loan. I believe that this is an issue that could have been resolved had I received some sort of payment arrangement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COMPANY CALLS ME REPEATEADLY EVERYDAY ALL DAY HAS PUT THE SAME ACCOUNT FLAGS ON MY ACCOUNT MUTIPLE TIMES BRINGING MY CREDIT DOWN TO NOTHING Franklin collection is reporting collection multiple times days away from each other as if its a new collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Phoenix Financial Services LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a letter reaching out to Phoenix Financial Services, LLC about account number on my credit report account number :XXXX asking them to please send me proof of the debt they are asking me to pay.I have asked for validation and proof of original contract that is certified by a notary that it is the original contract with my signature on it .this company did not have my consent to furnish my information to the credit bureau. they did not send me any validation of the debt and I gave them more than 30 days and they have not replayed to me. I have proof of the letter I sent to them asking to please validate the information and also to get the original copy of contract with my signature on it like the law says they have to do. I have also ask them to delete and remove all information that they furnish to all credit bureaus but they didnt and they continued to by updating to the credit bureau under the remarks section that they meet the FCRA. also I have never made a contract with this company and they are claiming that I owe them something. I have not entered into any buiness agreement with them. and just to be clear I did not authorization them to furnish any of my information to anyone. I have also sent them the law that states that they need my authrazation to furnish my information. I have attached the letter I sent to them certified and returned signature. they have also failed to send me validation and its past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to several circumstances, I fell behind on the mortgage. This house is contained in an Illinois XXXX XXXX in order to protect my family from a XXXX XXXX. Midland instructed me to fill out paperwork for a loan modification. I duly complied, and sent Midland the requested paperwork. Midland responded by REFUSING to modify the loan unless the trust quit-claimed the deed into my name. 

This was a problem in XX/XX/XXXX, and CFPB helped me. See case XXXX. At that time I hired an attorney, spending money to do so. She thoroughly investigated the law, and verified that HUD has no such requirement for a quit-claim deed. 

-- -- -- Specifically she cited XXXX XXXX and noted that no title requirement exists that requires me to quit-claim the house out of the trust and expose my family information to a XXXX XXXX XXXX I gave my attorney formal permission to discuss with Midland, and she wrote Midland an explanatory letter on XX/XX/XXXX, including along with that letter copies of the documents that proved that there was no legal requirement, and that the collateral assignment of beneficial interest had been duly executed. My attorney even offered in writing in the letter to execute a second collateral assignment of beneficial interest that specifically named Midland. At that time Midland did execute the modification without forcing me to endanger my family by doing this title assignment. 

-- -- -- - Today, XX/XX/XXXX, I spoke with " XXXX '', teller number XXXX, and she told me that Midland refuses to modify without the quitclaim deed, and said so AFTER reviewing the documentation from the previous incident. 

I am just a few days shy of XXXX XXXX XXXX, and being placed into this position is stressful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This situation is placing me under stress and causing aggravation of my medical conditions. 

-- -- -- - I, XXXX XXXX XXXX, do on the pains and penalties of perjury as set forth in 28 USC 1746, do hereby swear and affirm that the facts above are true and complete and to the best of my knowledge. 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 2021-07-07
Company: EQUIFAX, INC.
State: AL
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This bank and bank representatives, continue to use reprisal/retaliation and harassment while intentionally mismanaging my personal checking account. Today, XX/XX/2018, there is a negative balance in the amount of $ XXXX due to this bank ( and bank representatives ) ongoing and malicious mismanagement of my personal account ( in an effort to force me to close my account ). I will NOT be closing my personal checking account. I will NOT be paying the said - {$68.00} negative amount. I will continue to file complaint 's ( and legal action ) until this bank decides to CEASE and DESIST their ongoing, tolerated and unlawful practices against me and my personal checking account ( DISCRIMINATION based on reprisal/retaliation, harassment, age, sex,  XXXX, race and nationality. With an " exception '' to my previous CFPB filed complaint 's, this bank ( and bank representatives ) have repeatedly and intentionally mismanaged my personal checking account ( See Check # XXXX ) on XX/XX/2018 XXXX Balance : {$100.00} ) ; Check # XXXX " again '' on XX/XX/2018 ; and todays, XX/XX/2018 negative balance of - {$68.00}. Just yesterday, there was a pending transaction posted to my personal checking account in the amount of - {$24.00}. Today, XX/XX/2018, the " exact same '' - {$24.00} is now posted as a positive {$24.00} ( " XXXX XXXX XXXX ID : XXXX ACH posted credit '' ). Further, this bank consistently sends NSF text message 's to another persons cell phone. Therefore, continuing to violate my right to " privacy ''. ALL supporting documentation will be sent to the CFPB via fax. ANY and ALL information in this filed complaint, is strictly for the purpose of the CFPB ( NOT, to be compromised, transferred or published by this bank, bank representatives ( or bank subsidiaries ). THE END!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XXXX XXXX my insurance agent submitted the quote along with the offer from XXXX for windstorm and hail insurance and from XXXX for hazard insurance on my property. Funds were available in escrow for both policies. PNC paid the hazard insurance, but did not pay the windstorm and hail policy. PNC put forced insurance on my property for the windstorm. This forced insurance increased my mortgage payment. I requested that a case be opened and research be done showing that documentation be considered showing that everything done on my end was done correctly and in a timely manner which should have prevented this issue from arising. 

PNC then determined that the documents that were submitted was a quote and they could not accept a quote as proof of coverage. Now to be clear I have the quote, but I also have an offer of insurance from this company, dated for the same day, XXXX XXXX, should I accept the offer ; I would need to make a payment. This offer letter has the premium amount and a coupon requesting payment should I accept. Nowhere on this offer does it state that its a quote. At this point, the insurance company is requesting payment if I want the policy. 

My insurance agent stated that most insurance companies offer a 10 day grace period for payment, but this company does not. When a payment for the policy is made then the coverage will start, hence acceptance of their offer. There will be no declarations page until the policy is issued and the policy is issued upon receipt of payment. 

Also, the premium that they finally paid from my escrow is with the insurance company that gave the quote and made the offer. It should be evident that XXXX was awaiting payment from them. 

I have gone round and round with PNC. Ive done everything that I could have possibly done correctly and in a timely manner. Funds and paperwork was in PNC possession. They finally ended up paying the premium and cancelling the forced insurance, but now they are expecting me to pay for the time period of the time of coverage that had lapsed until when they decided to pay the premium. This had nothing to do with me or my agent. The mortgage company, PNC, had everything they needed for insurance to be placed on my property. They payed Hazard and not the Windstorm and are looking for me to pay for their incompetence. This is unethical and it should be unlawful. My agent and I have done everything we know do to prove to this company that weve done our due diligence, yet they are ignoring the obvious facts. I need help to resolve this matter. The consumer should not feel like they are being railroaded by their lender.

Company response to consumer: Closed with explanation