BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-03
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:
This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. s 1681.  XXXX XXXX XXXX # XXXX, XXXXl 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 XXXX, Experian results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XX/XX/2022 my Zelle profile was inexplicably locked. Both my phone number and my email address were flagged as ineligible for use with Zelle. I contacted my bank ( XXXX  ) in an attempt to resolve the issue through them. XXXX told me they would work to resolve the issue with Zelle and everything would be fixed within a couple of business days, I waited two weeks with no resolution. I filed a support ticket with Zelle directly about this on XX/XX/XXXX, however despite the assurance on Zelle 's website that someone would contact me within two business days I never received any response. After calling my bank nearly a dozen times they were finally able to inform me that a person I had never met claimed I was guilty of {$250.00} of fraud, the claim was filed through a bank I had never done any business with ( XXXX  XXXX ). XXXX told me there was nothing more I could do and that I needed to call Zelle directly. 

I called Zelle, their customer service representative told me I should just file a support ticket through their website. When I told him that I had already done so over a month ago he told me that meant I should just figure out a different way to send money. 

My family and myself previously relied on Zelle to pool money into one bank account in order to pay rent. Zelle 's sudden locking of my account without warning caused some funds to be held 'in limbo ' for a few days, causing enormous financial hardship on all of us. 

Zelle promises to be a " Fast, safe, and easy way to send money '', however they have instead been a slow, insecure, and fraud-ridden way to make money disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: GREAT LAKES
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting derogatory on my credit report, for a zero  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

Great Lakes sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact Great Lakes with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting derogatory on my credit report, for a XXXX balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

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 2017-09-03
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting derogatory on my credit report, for a XXXX  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Sent them a check for almost $ XXXX. They received and cashed the check but it 's been 2 weeks and my account has not been credited. Called several times and no one can help. Trying to do the right thing by honoring my obligation but it 's turning into a huge headache. In the meantime, my balance is stilll collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY WERE CLOSING BOTH OF MY CREDIT CARD ACCOUNTS DUE TO HIGH BALANCES. THEY EXPLAINED THAT THROUGH A THIRD PARTY THEY WERE ABLE TO ACCESS MY CREDIT REPORT AND NOTICED THAT I HAD HIGH BALANCES AND OR LOANS. THIS IS DISCRIMINATION, FIRST OF ALL I DID NOT AUTHORIZE THEM TO DUE A REVIEW OF MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM TO CLOSE ANY OF MY ACCOUNTS.

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 2022-07-18
Company: Experian Information Solutions 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 Reporting act, XXXX XXXX Acct # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Failure to take action on the Identity Theft Block request. 


NOTIFICATION OF IDENTITY THEFT & REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT Dear Credit Bureau, This is to inform you that I am a victim of identity theft and pursuant to FCRA Section 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or address from appearing on a victims credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent company from continuing to collect debts that results from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) Block of information Resulting from Identity Theft, except as otherwise provided in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of- 1. Appropriate proof of identity of the consumer ; Legible copies of Drivers License, Social Security Card, and Utility Bill are provided 2. A copy of an Identity theft report ; Copy of the police Identity Theft incident Report is provided. 
3. The identification of such information by the consumer ; and A list of accounts opened by identity theft FTC identity Theft Affidavit and complaints are provided. 
4. A statement by the consumer that the information is not information relating to any transaction by the consumer. An identity Theft Victims Statement is provided. 

I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, address, inquires, and other information that you reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) and mail me a new credit report to my address of record below. 

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 explanation
Consumer complaint received 2022-07-18
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:
I, XXXX XXXX wrote a check ( check XXXX dated XXXX in the amount of {$680.00} payable to XXXX XXXX XXXX XXXX ) as the XX/XX/2022 maintenance payment to the cooperative unit where I lived. The check was mailed via the post office to the cooperative 's property manager : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The check was altered en route to have a certain XXXX XXXX  XXXX as the payee for {$7600.00}. I informed JP Morgan Chase that I did not write that check to that payee for that amount. The checking account was closed and a new one was opened. I was given a form to fill ( " Declaration of Unauthorized Endorsement or Altered Item '' ) which I submitted on XXXX. I also filed a complaint with the post office and police precinct on XXXX and was provided a police report on XXXX. I have requested the property manager to attest to the XXXX payment that was missed and that it had not authorized the window installation work reflected in the fraudulent check. I ended up cutting a new check for the original amount of {$680.00} that I owed the cooperative. I submitted all of these documents ( copy attached ) to the bank and was informed to wait 60 days for this matter to be investigated and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
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: Their investigation did not fix an error on your report

Complaint:
you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

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 2022-07-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Are account resolutions is reporting to XXXX and XXXX about a {$620.00} debt that I owe. The account was open in XXXX XXXX I was in prison at XXXX XXXX correctional facility at that time. So this is fraud .I didnt not open this account nor was I in the hospital in prison to even have this 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 2022-07-18
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to access federal information about insured mortgages and then searched for an online application. I did not notice that the link I clicked on, which appeared to be a website supported by HUD, was actually something called Rocket Mortgage. I was very clear that I was seeking a first time mortgage, clicked on something to that effect, requested application to apply for first time mortgage. I was redirected to a site that entailed my creating an account with Rocket Mortgage, which I, reluctantly, did. Only when I had completed that account creation did it become apparent that my " account '' was for refinancing a mortgage. I exited the account platform and tried to sign in to access a first home buyer interface. I was not permitted to do so unless I created a second account -- a completely additional account, new password, with all my personal info. This doubling up of a single company 's account with dual accounts for me is part of a persistent scam of impersonators for me on line. I tried to locate information to close the scam account and was not permitted to do that, either. I submitted a complaint to the company about this state of affairs. I have zero confidence that the scam account will be closed even if I get a ( probably fake ) email being all kinds of solicitous of my belief to that effect. So now there is a fake Rocket Mortgage account out there with my personal information and good credit score to be used by people impersonating me on line and very little I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Upgrade, 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: Account status incorrect

Complaint:
The company I am disputing is Upgrade credit card. I applied for the hardship program with them due to Covid-19 and they still reported 2 late payments ; one on XX/XX/XXXX as 30 days past due and one on XX/XX/XXXX as 60 days late. This is inaccurate as the hardship program protected me against this happening. My account is paid up to date and these late payments need to be removed from my credit report immediately as this is affecting my credit score greatly and the information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Experian Information Solutions Inc.
State: NY
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:
I Contact ( Experian Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ EXPERIAN ] and I noticed Multiple unauthorized inquiry had been made. 

I contacted [ EXPERIAN AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ EXPERIAN AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 
Here 's The Following Inquiries .... 

1-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

2-XXXX XXXX XXXX XXXX, XXXX 3-XXXX XXXX ( Its Duplicated IT ONLY SHOULD BE 1 NOT 2 OF THE SAME INQURY FROM XXXX ) XXXX XXXX, XXXX 4-XXXX XXXX  XXXX XXXX, XXXX 5-XXXX XXXX XXXX XXXX XXXX, XXXX 6-XXXX XXXX XXXX XXXX, XXXX 7-XXXX XXXX XXXX XXXX, XXXX 8-XXXX XXXX XXXX, XXXX 9-XXXX XXXX XXXX XXXX XXXX, XXXX 10-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 non-monetary relief