BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: SC
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:
The items on my credit report was removed then added back and the investigation took more than 30 days. The items were removed from my credit report and I have documentation attached to prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
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:
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 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 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 has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: OneMain Finance Corporation
State: IL
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 respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-05
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
~ XX/XX/2022, Chase bank closed my checking account, due to what they said was inactivity ( I was logging into online banking once a month ). I reside in XXXX. 

When contacted, the bank indicated the account was being closed and the remaining balance would be mailed by check to me. I received a letter from the bank indicating the account was closing, however ; did not receive a check. Chase indicated a check was produced and therefore, a stop check declaration was required. I completed this form and both faxed it twice and mailed the original. I have confirmation from the mail service that it was received and signed for. Chase claim they have not received the declaration. 

On several occasions over the 6 months, customer service tell me they will run a new check and to call back in 3-5 business days. When I do, the check has not been processed and I'm told I need to provide a stop payment declaration. This process goes around and around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
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:
My mortgage was originally through MB Financial and then was bought out by 5th third bank. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

5th third continue to send XXXX  ( foreclosure Proceeding Stated ) remarks to XXXX 2 months after I sold the home and MOST recently, left a XXXX  remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru XXXX multiple times even including my XXXX XXXX XXXX XXXX proof of sale. 5th Third continuous to not answer any of my questions after telling me this is a " closed account ''.

My home buying chances are in danger while 5th third bank continuous to leave negative credit inquires. XXXX disputing is no help to me neither ...... 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
TO WHOM IT MAY CONCERN : ON NINE OCCASSIONS XXXX XXXX XXXX HAS IMPROPERLY AND MALICIOUSLY REPORTED INACURATE, MISLEADING AND OR FRADULENT INFORMATION TO THE CREDIT BUREAUS REGARDING MY MORTGATE AS WELL AS AN AUTO LOAN. NO PAYMENTS HAVE EVER BEEN LATE TO THIS CREDIT UNION SINCE ACCOUNT OPENING. SEVERAL BOARD MEMBERS OF XXXX XXXX XXXX ARE AVERSE TO THE COMPANY I AM XXXX OF. MY HOME IS CURRENTLY FINANCE WITH XXXX  AND THE PROPERTY IS CURRENTLY FOR SALE. MY TRUST OFFICE AT OUR HQ WAS CONTACTED BY SEVERAL LOAN OFFICERS OF XXXX  THROUGH REAL ESTATE PERSONELLE OF XXXX XXXX XXXX XXXX XXXX XXXX HAS A PRESIDENT THAT SITS ON XXXX XXXX. WHEN MY OFFICE WAS CONTACTED BY THIS REAL ESTATE FIRM WITH TIES TO XXXX  WE REFUSED TO SHOW THE PROPERTY TO THEM AND THEIR REALTORS AND LOAN OFFICERS BECAME IRRITATED DUE TO THE STRICT SALE REQUIREMENT PROCESS. SUBSEQUENTLY THE VERY NEXT DAY THE MORTGAGE WAS REPORTED AS DELINQUINT AN UNPAID/PAST XXXX  DAYS DESPITE BEING PAID ON TIME AND THAT THE LOAN AMOUNT INCREASED, CAUSING A MAJOR DROP IN MY PERFECT CREDIT SCORE FROM MID XXXX 'S TO THE HIGH XXXXXXXX 'S. AFTER MUCH TIME AND COMMUNICATION WITH THE CREDIT UNION, EXPERT WITNESSES, LAWYERS, LEGAL DEMANDS TO THE CREDIT UNION THEY REVERSED THE FALSE, INACURATE AND FRADULENT REPORTING AS THEY HAVE DONE PRIOR BUT JUST LIKE THOSE OTHER TIMES THE CREDIT SCORE HAS BEEN DAMAGED AND NEVER FULLY RECOVERED. XXXX CLAIMS THIS PROCESS IS AUTOMATED, AN ACCIDENT, OR ERROR " DARN COMPUTER '' DEFENSE. I COULD SEE THIS BEING AN ACCIDENT ONE TIME BUT 9 TIMES IN A YEAR AND A HALF PERIOD WITH ANCILLARY AVERSE INDIVIDUALS TO MY CORPORATION AND MYSELF INDIVIDUALLY WHO ARE TIED TO XXXX  IS CLEARLY MALICOUS. THIS IS FISHY AND AS A XXXX XXXX XXXX FAMILY MEMBER I AM ASKING THE UNITED STATES FEDERAL GOVERNMENT TO INTERVENE AND OR REFFER THIS MATTER TO THE DOJ OR FBI FOR PROSECUTION OR INVESTIGATION. IF THEY FREELY DO THIS TO ME, IMAGINE HOW MANY OTHER AVERSE AMERICANS THEY SUBJECT TO THIS TORMENT VIA THEIR RACKETEERING INFLUENCED AND CORRUPT ORGANIZATIONAL PRACTICES.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to log in to my Chase bank account on XX/XX/2023 so that I could change a recurring payment. When I attempted to log in, I received a message that said the following : " We've updated our agreements. 
Please review these agreements to understand how they apply to you. You must accept these agreements to continue to access your accounts online and in the mobile app. We've updated our Digital Services Agreement and combined it with some of our other digital legal agreements to give you a more streamlined experience. If you don't accept, you'll lose access to online account services and continue to see this message until you accept the updated agreement. 
Digital Services Agreement Download agreementOpens PDF Online and Mobile E-Sign Disclosure and Consent Agreement Download agreementOpens PDF By clicking " I accept '' I confirm that I've read and agree to the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' One agreement was 10 pages long, and the other was 127 pages long. I could not log in to my account without accepting " the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' There was no option other than accepting the new terms, which were outlined in these two documents. 

I was prevented from changing a critical recurring payment because I didn't want to accept an agreement that I didn't understand, and would likely take an experienced lawyer to decipher. If I were able to comprehend what I was reading, it would take several days of research to look up the legalese and its implications online. 

There is no " plain language '' version of these agreements offered by Chase, nor can I find online. 

If this were a more urgent matter, or if it were a financial emergency, I would have had no choice but to agree to something I couldn't quickly understand. In addition, this action simply means that we must Chase 's terms or, I suppose, leave the bank, although... if I wanted to close my account online, I wouldn't be able to do so without ( again ) accepting their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called by Genesis Credit Management/Columbia Debt Recovery XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX phone : XXXX ) at XXXX on XX/XX/XXXX regarding a debt that I never received noticed of for {$200.00} ( but on the phone the representative said it was {$210.00} ) that was sent to the collector by XXXX XXXX XXXX  for XXXX` damages ''.

I asked what I could do, because I was never notified by mail by either the collector or the apartment complex itself ( I have not lived in that apartment for 4 years and received my whole deposit back after moving out ). I received an email on XX/XX/XXXX from the collector, however it did not state what the company was and looked like a suspicious link. I was not told that I could dispute this action or ask for proof, despite me asking the representative multiple times what I can do in this situation. I also told the representative, XXXX ( direct phone XXXX ), that I won't be able to pay until I get paid which is XXXX  XX/XX/XXXX, and she said " you're lucky I even am doing this for you '' " you should know better '' and " you will have to pay now or I will be send this to the credit bureau and that won't be good for you. '' I was also told that no, they could not call me back, and no they can not send me an email or a letter regarding this debt. 

I paid the {$210.00}, so I'm also not sure if I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: DriveTime
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:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After going into the bank to withdrawal money from my checking account, my funds were frozen. The funds that were frozen were from a wire transfer from a real estate title company ( see attached ). 

Prior to going into the branch, there was no hold placed. When I went into the branch, the teller told me that I could not withdraw any funds because the wire was in pending status. She began to interrogate me as to what the money was for. 

I called the branch after learning that my funds were no longer available and was told that the wire was under investigation. 

I believe that this is discrimination. It wasn't until after I went to the branch that my funds were placed on hold. I am going to seek legal remedy in this matter as it had prevented me from moving forward with a major transaction and caused late fees for other financial obligations

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 2023-05-05
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had paid XXXX XXXX their installments on time. In XX/XX/XXXX, I submitted a XXXX claim to XXXX XXXX XXXX XXXX regarding a XXXX which left me XXXX. However, I was denied because I was already on a permanent XXXX from years ago. XXXX XXXX has charged me a XXXX premium since XXXX. They were aware I was on XXXX at the time of the enrollment. Since they denied my claim, I requested that I receive a credit for 8 years of premiums charged for XXXX coverage. XXXX XXXX issued a credit for only 5 months of premiums. They did not issue a credit for the remaining XXXX years of premiums AND interest that was charged/accrued during those 8 years on that account. I requested a new statement so I may review so I may pay the balance, if any, off. XXXX XXXX did not send a revised statement showing the deductions for the unauthorized billing. However, XXXX XXXX sold this account to LVNV and Resurgent Capital Services. I have attached letters requesting that LVNV send me an itemized statement of the balance and a copy of the contract which proves the XXXX XXXX sold them this disputed debt. LVNV violated the FDCPA Rule 809, validating the debt of {$2000.00}. After several phone calls and email, I told LVNV to explain why they added over {$1200.00} to the debt which had not been adjusted for the unauthorized premiums and interest. LVNV did not reply. Instead, LVNV reported to the Credit Reporting Agencies that I was delinquent on the debt. LVNV was not authorized to report anything to the Credit Reporting Agencies since it was a third party who did not validate the amount of the debt and that the debt was sold to them. LVNV has damaged my credit score since XX/XX/XXXX when they started reporting I was delinquent on the unauthorized debt, violating the FCRA. They continue to ignore the disputes I have filed with XXXX XXXX XXXX XXXX. It has been reported to CFPB regarding these XXXX coverages sold by third parties to Customers which compensated the person selling the coverage. The person who took my application knew I did not qualify and processed the application anyway. LVNV is a predatory debt collector who is operating a business that has defrauded me and my credit report. XXXX XXXX has stated that the debt was no longer on their books and did not try to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 has violated my rights. Or a 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 response to consumer: Closed with explanation