BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: VA
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 a account without my written instructions.

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 2021-10-29
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
At the end of last year, I fled an XXXX relationship and began living of my Comerica Bank Credit card. I called them to let them know this and asked numerous times for lower interest rates, balance transfers, deferred interests etc all options I know is available to people like me -victims. Comerica bank refused to help my citing that my situation was not serious enough for them to help me. Keep in mind, my abuser tried to kill me and I was hospitalized. I began making payments and NEVER missed any payments. Then they began charging me HIGHER interests when I was not even making ANY purchases with the card. When I reported Comerica bank to CFPB, the retaliated against me by running my credit and lowering my credit limit. I called them to ask why and they said I have late payments. I DO NOT HAVE ANY late payments. they lied. Moreover, I found out from an employee that they were retaliating because of my numerous complaints against them. I have paid of the credit card in FULL as of XXXX. I called today XXXX to close the account and they began reading me " a disclosure '' saying that if I close down the account, they may never issue me a credit card in future. This is illegal and this needs to be looked into. My other banks have agreed to help me. I spoke to management at XXXX, XXXX XXXX and XXXX XXXX NONE of them reported me to the credit bureaus. None of them lowered my credit limit. Comerica BANK is a XXXX and discriminatory bank and I will never use them again. CFPB needs to look into them ASAP!

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 2023-08-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX a {$100.00} transaction was performed from a PayPal account that I manage in the name XXXX XXXX XXXX XXXX to a merchant called XXXX XXXX XXXX XXXX XXXX I immediately disputed the transaction with PayPal via their online mechanism as the transaction was not performed by me or anyone authorized to do so. I do not recognize that merchant and have no idea what the transaction is. 

PayPal subsequently " Closed '' my dispute case saying only that they determined the transaction was not unauthorized but without providing any further details. 

I escalated that matter as a complaint via their online mechanism and they again subsequently " closed the case '' again simply repeating that they found no evidence that the account is unsecured and suggesting that I contact the merchant if I have any problems with " my purchase ''. I again escalated repeating that I did not make any purchase with this merchant, I have no idea who they are, and they have not responded to any emails that I've sent to them. 

PayPal has failed to provide any information about the transaction or how it was authorized, nor about how they seem to determine that the transaction was " not unauthorized ''. The transaction should be immediately reversed and they need to provide relevant information on how the transaction was authorized in the first place. I'm concerned that the significant balances that are sometimes held in our PayPal account are at risk of theft and PayPal is refusing to provide ANY protection or recourse against fraud committed on their payment platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I did not discover that I my mortgage pay off to JP Morgan & Chase was in question until today. 

I assumed a XXXX XXXX  in XXXX after being notified by JP Morgan that they were going to foreclose on my home due to the terms of the mortgage that I initially assumed had expired. 

I was able to secure a XXXX XXXX on XX/XX/XXXX thereby averting the foreclosure with JP Morgan. The Realtor that facilitated the sale was XXXX XXXX with XXXXXXXX XXXX located in XXXX, AL. We closed and I was informed that I was not getting any monies in hand. The only benefit was that the Mortgage company, ( I believe at the time was XXXX XXXX, XXXX California ) would assume payments. I didnt contend. I was grateful to keep my home but was a bit disappointed that I wouldnt receive any monies in cash. 

I am actively seeking a loan from USDA to do home repairs. I discovered today during a conversation with a current Representative from XXXX XXXX, the company that now holds my loan, that her records indicated that I was paid XXXX with XXXX being paid to JP Morgan & Chase. I informed her that I never received any money ; that I was informed I had no monies due me. She advised me to look into it. 

I contacted the Settlement Agency as advised, XXXX XXXX XXXX AL at XXXX on XX/XX/XXXX. A female Representative informed me that I needed to contact the company who received the payoff. 

I contacted JP Morgan & Chase on XX/XX/XXXX and spoke initially, with XXXX in Customer Service who told me that there was no record of any such loan with them under my name or Social Security Number. He connected me to the XXXX Department at XXXX this same date. He informed me that a XXXX  XXXX requested that I fax over everything I had to them. I responded no, that I needed to speak to someone. Later I was connected with a XXXX, who identified herself as an XXXX XXXX who also stated that they had no information on me having a loan with them. 

Later that evening, I received a call from XXXX of JPMorgan & Chase at XXXX who stated that she found my record but that she didnt see any record of their company receiving g anything other than {$100000.00}. Again, she requested that I fax her all the info that I have to them. I refused because I suspect that they/someone took {$69000.00} from me. 
If this is true I have been grievously defrauded. 

My home was appraised at I believe, {$190000.00}. I would like to know what happened to the rest of the monies less Realtor fees, etc. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Multiple occasion Transunion Refuse to thoroughly investigates the public records on my report. Every single time I dispute it they told me it was verified within 24 hours. I am 100 percent sure they did not investigate the account. There is no way they could verified that inaccurate public records on my report within 24 hours of submitting a disputes. Transunion is willfully violating FCRA with absolute impunity. 
the method of investigation under fair credit reporting act ( FCRA ) section 611 ( a ) ( 7 ) for the bankruptcy record ( XXXX XXXX XXXX VIRGINIA ) on my TransUnion Credit report which was furnish and verified by Transunion. Under FCRA 611 ( a ) ( 7 ), the law afford me a right to accurate and complete investigation. I have a doubt that complete and accurate investigation was done since some of the investigation took only less than 24 hours after disputing with Transunion. The FCRA afford me a right to accurate and complete report. If the record is not 100 percent match the furnisher must immediately delete according to FCRA regulation. I do believe that TransUnion mixed up my files with somebody with similar names. Above is my information including my Names, Address ( 17 years at the above address ) and my social with DOB. Under the FCRA 1681e ( b ), furnisher must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Matching only the last four digits of my social is not a maximum accuracy and it therefore violates FCRA and recent 11th Appeal court decision. I am also requesting that TransUnion furnish verifiable proof that this record belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for XXXX XXXX, XXXX to validate the alleged debt against me reporting on account # XXXX. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but thats all. I have absolutely no record of a debt with this company in the amount! Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion.

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 2019-01-13
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE SENT IN THE PROPER DOCUMENTS INTO THE CREDIT REPORTING AGENCIES AND THE COLLECTING PARTIES AND THEY HAVE DONE NOTHING TO REMOVE INACCURATE INFORMATION FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Aidvantage on XX/XX/25 about receiving a XXXX refund on federal student loan payments made during COVID forbearance per the CARES act. The representative I spoke with told me I would be getting direct deposit refund in 2-4 weeks and that my balance would be re-instated within a few days. None of this has happened. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Experian Information Solutions Inc.
State: OH
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:
VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT

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 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. In my research on how to remove fraudulent inquiries from my report, I discovered the necessity to visit the FEDERAL TRADE COMMISSION or https : XXXX to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Attached are documents to facilitate the blocking of erroneous information currently posted on my report. The following inquiries, which do not belong to me or were opened without my permission, require your attention : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in the file of a consumer identified as resulting from alleged identity theft, not later than four business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: UT
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 have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a follow-up to recently closed complaint no. XXXX. It is completely unacceptable that Bank of America has determined that my teenage daughter 's account should not be refunded the fees the bank charged her account. The bank ran an investigation and found that my daughter 's account had fraudulent activity on it. Accordingly, they refunded two fraudulent charges, as well as the fees associated with those two charges. As courtesy, they also refunded several other charges. However, it makes no sense that won't refund ALL the fees the bank assessed to the account, each time additional fraudulent charges were attempted to be put through the account. Mind you, the bank did not pay out these fraudulent charges, however, each time the fraud was attempted, the bank charged my daughter 's account {$35.00}. This happened over 20 times to the tune of over {$800.00}. The bank absolutely must refund these charges. It's not right they can just take money like that when they should be protecting us from such activity. Please re-open your investigation and help me! 
Regards, 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 2018-05-24
Company: LHR 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: Their investigation did not fix an error on your report

Complaint:
I had an XXXX credit card acct # XXXX with a balance of {$410.00} was sold to L.H.R on XX/XX/2012.I had attempted L.H.R on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXXXX XXXXXXXX XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
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 belongs to someone else

Complaint:
No knowledge of the 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 2019-12-03
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has been practice law send 2009 scam, people out their money by collect for another company on old debt and he is not License, to practice in Texas. This Law firm has 43- Complaints on different consumers all over different states, and they have tried to work with them with a settlement with written statements which they refuse to do. How they are scam, people take their bank information and make payment arrangements, verbal with no original contract, and filed Lawsuit in different states and not been License in these states. And also when the consumer makes payment arrangement, Verbal over the phone with collector, 90 days of payment arrangement and sell their debt to another company to start over-collect money with no contract with another Law firm company. This is illegal and fraud and scam people all over the states. This company needs to be investigation need to take place with this company Rausch , Sturm , Israel , Enerson & Hornik LLP! 

Please start looking at all the complaints this Law firm has with XXXX  which is 43 complaints scam people out their money and file fraud lawsuit! Sell old debt, another Law firm!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my income due to covid, so I was told that under the CARES act forebeaance I would be qualified for a forbearance program that would allow me to keep my rate and have the outstanding balance attached to the loan. However when my hardship was ended and I was ready to start paying my mortgage again I was told that this option is not available, the only options available involve remodification of my loan terms. My current rate is 2.25 % and the suggested remodification rate is 7.25. I inform the loan servicer that I would love to be ran for a covid partial claim but the refuse to do this. My only option is to make the account current or remodify my loan. Need advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE BANKRUPTCY REPORTING ON MY CREDIT REPORT IS IN ACCURATE, PLEASE REMOVE FROM 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 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: ENCORE CAPITAL GROUP 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 do not have a contract with this company. Therefore, they should not be reporting any inaccurate statements to the credit bureau ; According to section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disagree with the findings of your latest verification on the things recorded on my credit account. I first filed a dispute on this item, and I'd want to highlight certain areas of your verification procedure that I feel need more investigation. In your answer, you said that my claim is challenged, and you requested VALIDATION and PROOF OF CLAIM of the purported debt in compliance with the Fair Debt Collection Practices Act. Furthermore, as a consumer exercising my designated remedy and as the original creditor, I recognize that my request for VALIDATION and PROOF OF CLAIM is compliant with existing legislation, but I would like additional explanation and specific proof in respect to these requests.

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