BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
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:
These are not my accounts. Please remove them from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Rogers, Morris & Ziegler, LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A company by the name of XXXX submitted a lawsuit in XXXX XXXX Florida courts in the amount of {$19000.00} on XX/XX/2009 it was to late to file this lawsuit and I was not properly notified of the lawsuit and did not know it existed ... Years and years went past and I was not notified. I found out about this lawsuit after I purchased a vehicle, The Same company submitted for my license to be suspended in XX/XX/XXXX and I reached out to them to see what was going on and they never requested to meet with me, they demanded money. In XX/XX/XXXX I had to return my vehicle back to the finance company as a result of my license being suspended and tickets being issued for no license ... I began to research and came up with a company name XXXX  who is located out of state and posing as different congressman and congresswomen ... As a result.. XXXX closed down and transfered my information to someone name XXXX XXXX at Rodgers Morris and Zeigler located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ... XXXX.. They left me with a suspended license and 3 tickets and filing for bankruptcy. Please look into this..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

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 2023-02-07
Company: EQUIFAX, INC.
State: MA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The Equifax failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: TX
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 Act Reporting act 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions 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:
On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the XXXX data breach and those accounts need to remove ASAP or I will file a litigation.

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 2020-09-10
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recently check my credit ON XXXX XXXX and seen 2 negative items from NATIONAL CREDIT ADJUSTERS SAYING THAT I OWE ( 2 ) ALLEGED DEBTS,1 FOR XXXX AND THE OTHER FOR XXXX WHICH I DO NOT OWE.I SENT THEM A CERTIFIED LETTER WITH A COPY OF BOTH LETTERS ATTACHED ASKING FOR THE INFORMATION CONCERNING THESE ALLEGED DEBTS ON XXXX XXXX, IN WHICH I HAVEN'T HEARD ANYTHING FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase bank has been advised on 2 occasions not to approve and pay for debit and credit cards transactions when there are not enough funds to cover the transactions. Their explanations is that recurring card payments are somehow different and that these types of charges can not be stopped from processing. A recurring charge of XXXX was processed through my account causing overdraft and extended overdraft fees on XX/XX/2018. I have not been able to resolve this issue with Chase as  they are committed to their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested forbearance, by email on XX/XX/2020 & XX/XX/2020. I have affirming that I am experiencing financial hardship during the COVID-19 emergency. And requesting forbearance on my federally backed VA loan. 
Unfortunately Freedom Mortgage ( loan service provider ) informed me over the phone on XX/XX/2020 XXXX XXXX  that I have to submit various documents to prove to them that I am having a financial crisis. And will not process the forbearance until obtaining documentation. Also that I must pay full sum of the forbearance period within 3 months and implied additional extension up to 6 month is the max extension period. 
This violates the CARES 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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there is still an inquiry that needs to be DELETED. The Credit Bureaus must delete this inquiry under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed inquiry be DELETED immediately. 

XXXX XXXX XX/XX/2021

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 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2019 i made a purchase from XXXX XXXX in the amount of {$8400.00} for merchandise that was suppose to arrive before XX/XX/2019 .And i never received this merchandise. After numerous attempts in trying to resolve this matter with the credit card company all my efforts were made i do not get a resolution to the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report XXXX  to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my XXXXXXXX  as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX of XXXX, I was approached by this person thru other intermediaries about capital funding for an Aviation Fuel Transactions under contract with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and a Tank Storage Provider named XXXX XXXX XXXX XXXX in XXXX. 

XXXX XXXX ( XXXX ) needed {$240000.00} to pay tank storage fees for these contracts for aviation fuel so he asked me to fund them ( {$240000.00} ) and in return he promised to pay back the capital plus a significant ROI totaling {>= $1,000,000} and he wrote 3 separate business checks to ensure payment to my corporation. 

I send 3 separate bank wires from my business account at XXXX XXXX   to XXXX XXXX XXXX XXXX - Bank of America business checking account and XXXX in turn wired from his business account at BOA to various international bank in XXXX and XXXX XXXX as instructed by XXXX XXXX XXXX XXXX. 

Here are the 3 wire receipts XXXX sent to international banks for fraudulent tank storage fees. 

{$87000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) in XXXX, XXXX {$74000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX  XXXX XXXX XXXX ( Polenectar ( XXXX ) Limited ) in XXXX XXXX   {$71000.00} on 01/23/2019 Bank of America ( XXXXXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  in XXXX Texas ( XXXX XXXX XXXX ). 
In the end, I found out the deal was a scam because the tank storage company was a fake and stole the money which I learned from an XXXX agent that tank spoofing scams are common in the industry. 

I have attempted to collect what is owed from XXXX and XXXX and Bank of America for several months to no avail and I need your departments help to make Bank of America ( FDIC Insured bank ) aware of their part in assisting XXXX in facilitating the fraud/scam by sending out bank wires to banks who conspired with the fraudsters and allow them to hold open & use bank accounts for their illegal scams. 

Banks need to be held accountable as well since they allow fraudulent activities thru business bank accounts open by their client/customers committing fraud and stealing money with the use of these accounts. 

XXXX XXXX XXXX - XXXX XXXX must force his bank BOA to reclaim the money and money he promised thru the 3 post dated checks that remain uncashed due to having insufficient funds.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SEE ATTACHED Transunion Fraud Victim Assistance Department, XXXX XXXX XXXX, XXXX, PA XXXX Dear Transunion There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX la XXXX remove ALL other addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove ALL others There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you

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 2020-07-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
American Education Services continues to make harrassing phone calls to my house, sometimes inappropriately in the early morning. Even after customer service has repeatedly assured they will stop calling my number, the harrassing phone calls do not stop. I would like to be put on their Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have registered and created a profile with Google Pay. This includes personal information, company addresses, EIN ( s ) and account numbers. I am using and have used the service to receive and return rent payments as well as return tenant deposits. Recently, I have been repeatedly forced to contact Google Pay to ensure payments are processed. Despite being an electronic service, Google is implementing unrealistic transit times or not providing any expected process times with pending being a message for extended periods of time. The service is riddled with dead end customer service processes, sending the customer back to the beginning without a mechanism to solve the problem. If the customer desires to speak to a human, they are forced to deal with outsourced call centers in the XXXX, who provide zero service and have no answers to most questions. The same is true of using the chat function. American sounding names are used such as XXXX, when in fact they are not American. This is a misleading process as Google advertises American phone numbers in XXXX XXXX, CA. Nowhere is this deceptive practice disclosed in a way the average person can access. Only when queried do the contractors confess they are not Americans nor located in the US, let alone California. Some of these foreign contractors have quoted a sophisticated algorithm when telling me why my transfer, from American to American inside the domestic US banking system, is being held up. To my knowledge, money laundering laws are very clear about what constitutes a transgression, and rental payments, while often four digits in vs, use, do not constitute a money laundering event. Google Pay should either create a process that works in a defined timeline, with a process for speaking to an American with the ability to proved service, or exit this business and stop the false advertising that leads consumers to believe this service will be efficient and sea, less, which to my recent experience, is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have e-mailed them twice to correct my credit report. Some entries have not been updated since XX/XX/2021 and are paid but still showing as open.

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 2018-08-15
Company: Cordoza & Wexler Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Cordoza & Wexler Recovery Services on XX/XX/XXXX. They left a voicemail for my husband and me stating that they had a case under maiden name ( XXXX XXXX ) and SSN and needed to contact me in order to recoup money owed to a creditor, or the case would go to court. I called them back at XXXX. At the time they did not provide me with much information, other than a payday loan originating in XXXX that went unpaid in XXXX was now needing to be paid or go to court. I did not take out such a loan. I called them back on XX/XX/XXXX for more information and they sent me an email with the information stating that XXXX XXXX XXXX was the payday loan provider. They also provided me with an old XXXX checking account number, which has been one of my accounts. I called XXXX XXXX XXXX, and XXXX XXXX, both pay day loan providers they listed and they both confirmed that I do not and never had pay day loans with them and they confirmed that they did not turnover to Cordoza & Wexler for recovery services. I last spoke with a XXXX at Cordoza and she said that I could settle for {$190.00} before they sent over to court. The voicemail received on XXXX was from XXXX XXXX XXXX. The email I received with the " proof '' of the debt came from XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation