BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I phoned Quicken Loan Company in response to an extensive ad campaign that advertised HARP refinance, for which I know I am well-qualified. After three days, XXXX highly questionable sales people ( XXXX, XXXX, and XXXX ) not XXXX of them would talk to me about HARP refi. They tried very hard, with a ton of pressure, to sell me a program of their own with closing costs of $ XXXX. The technique is bait and switch, and I object to their failure to provide clear, factual information and their insistence on getting far too much personal information AND pulling a credit report before they would even discuss loans at all. They never did talk about HARP refi -- said the government charged them very high fees for those programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was a member of Costco. I did not need their service and let the membership expire at the end of the first year. Near the end of my membership, Costco switched from XXXX XXXX to Citi XXXX. I received a card in the mail without asking for it. I did not want the card. I called Costco and told them I was not renewing my membership and that I did not want the card. Costco said I would have to call Citi. I did, and told them I did not want the card ( which I had destroyed ). 
I later received a bill from Citi. I called Citi and told them that I had not activated the card and did not want it. I told them to reverse the charges on the card - which includes a {$37.00} late fee. I returned the billing stub with the same request. 
Soon after I began receiving calls at my office asking me to check my online account. These calls come nearly every day. 
I recently received another bill from Citi. I do not understand ( except in the light of the issues at XXXX XXXX ) why they will not close the account and move on. This is harassment and I have no intent to pay.

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 monetary relief
Consumer complaint received 2022-10-19
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:
My name is 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 explanation
Consumer complaint received 2022-10-19
Company: Radius Global Solutions LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The last week of XXXX my mother was contacted by Radius Global debt collection agency about a debt that I have with them. They told her about my information and debt, yet never spoke 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 2020-04-18
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reported to XXXX, Equifax, XXXX that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: WY
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

All reports and account numbers that are derogatory in nature.

15 USC 1681 section 201 A States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 2015-11-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a victim of fraud and I have contacted the companies involved in this and they are removing the affected accounts from my credit. however I have contacted chase bank usa na they have listed XXXX credit card accounts with different numbers and amounts same time frame I had XXXX card with them that was closed during the divorce in 2007. I have tried to contact them both by phone and by mail and I received XXXX response by mail saying that the accounts will stay. I have placed a extended fraud alert on all XXXX reporting agencies and have disputed this account as fraud with the reporting agencies as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$5600.00}

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 2022-10-19
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I bought a Vanilla Gift card from a XXXX in XXXX for {$220.00} dollars. I used it to buy {$140.00} of merchandise on XXXX. but when I tried to use it anywhere else with the value of purchase being under the remaining {$77.00} it would not work. I tried checking my Balance on Vanilla Gifts website but it would keep having system errors, even when I tried other browsers or my cellphone. I can't even get into the Card 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that a consumer reporting agency can not furnish an 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 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 2022-10-19
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:
Ive contact Experian, XXXX and XXXX to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.

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 2022-10-19
Company: EQUIFAX, 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:
Ive contact XXXX, XXXX and Equifax to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC filed suit against me and attached false and misleading affidavits. Upon response to " Admissions '' refused to agree with the CONSENT ORDER. Denied the CONSENT ORDER between CFPB and ENCORE, MIDLAND FUNDING, etc. Continued to attach more false and misleading documentation but still not proving this debt was part of the " pool ''. Refuse to supply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/XXXX, I pulled my credit report from TransUnion and found that TU XXXX conducted an inquiry without my written authorization on XXXX/XXXX/XXXX. Refer to page XXXX of enclosures submitted. Another inquiry was made on XXXX/XXXX/XXXX by Transunion XXXX with my first name that is not spelled correctly. Refer to page XXXX of enclosures submitted. I did not authorize this inquiry. Furthermore, I did not subscribe to this service at all-Period. I believe that is inquiry involves fraud and that this entity doing business as TU XXXX is not legitimate. I wrote a letter to this entity dated XXXX/XXXX/XXXX. Refer to page XXXX of enclosures. I received a letter dated XXXX/XXXX/XXXX from Transunion XXXX. Refer to XXXX XXXX of enclosures. I did not apply for a loan or a credit card. I simply pulled a credit report and that is all. First of all, I want to know if this entity is a legitimate business and second, they do not have my expressed written authorization to conduct a soft inquiry with my expressed written consent. They have no business conducting a soft inquiry for no reason and claim that I had signed up for it. Especially, with no signed contract or my expressed written authorization. My financial information is not available for sale, distributed, faxed, e-mailed, stored in a retrieval system, sent to a third-party without my expressed written consent. Transunion XXXX also known as XXXX or XXXX is not authorized to resell any and all of my information-Period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TD Bank Refused to refund stolen money : On XX/XX/2022, I visited my local TD Bank to withdraw funds from my account. When the teller gave me my bank slip, I realized there was a discrepancy in my total account balance and that I was missing {$30000.00}. I immediately contacted the bank and was informed that two ACH transfers transacted the funds out of my account. These transfers were not authorized and were performed without my knowledge. 
On XX/XX/2022, I was refunded {$15000.00} by TD Bank and my account was closed by TD Bank before the remaining {$15000.00} was recovered. A new account was opened by TD Bank, but I have not been informed about what would be done about the remaining {$15000.00} that had been taken from me, or what to expect in terms of communication or a solution. I have called TD Banks XXXX Department several times and have not received a response, or I am transferred around to agents who dont know who to escalate the call to in order to assist me or explain who or what entity transferred the funds from my account. I have also visited my local TD Bank several times where a helpful branch manager informed me that the issue had to be handled by the TD Bank XXXX  department, but TD Bank has been otherwise unresponsive and unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a payoff through my mortgage company ( XXXX XXXX ) AKA ( Loan Care ) I sent a payment XX/XX/2021 to pay off my mortgage. New red records indicate the funds were received on XX/XX/2021. As of XX/XX/2021 the funds are still being held in a suspense account and not yet applied to my principle.

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 2016-11-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan with Younomics serviced by University Accounting Services ( UAS ). XX/XX/XXXX, I entered into an agreement with them to reduce my monthly payment to $ XXXX/month. Since then, 1 ) the bill I receive from UAS every month says that my " total payment due '' is {$300.00} '', XXXX ) When I log in to pay my bill in the UAS ' website, my amount due is {$300.00}, 3 ) I have made a {$300.00} payment every month since then, including my XX/XX/XXXX bill. However, I saw in my credit report that Younomics/UAS made an adverse credit report on XX/XX/XXXX stating that my account was 30 days late. Younomics/UAS has not sent a single correspondence to me telling me that I have a past due and why I have a past due after making the " total payment due '' written on the bill and listed on the UAS 's website as I pay my bill. This is not the first time that Younomics/UAS has made an adverse credit report on my account when they have failed to send me a bill that clearly reflects what I must pay for my account to be current. The billing ( and other communication or lack thereof ) is simply incomprehensible. It appears that the " total payment due '' is not really the " total payment due '' and that I must somehow find ways to ascertain the amount I must actually pay or anxiously wait for my credit report to see if the " total payment due '' was in fact the " total payment due '' or whether there was something hidden behind the " total payment due '' that I failed to guess and must now suffer the adverse credit report consequences. I do not understand why I should be penalized for making a timely payment of the " total payment due '' and all I am asking of Younomics/UAS is to first rectify this adverse reporting that I believe to be unjustified and to send me a monthly bill with a " total payment due '' that is in fact a " total payment due ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I login my credit I find some items on my credit report thats not mine CREDENCE RESOURCE MANAGE Last reported XX/XX/2022 {$10000.00} Open balance XXXX XXXX XXXX  Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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 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 2016-11-26
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made several attempts to remove this debt from my credit profile this a misrepresentation of my character. I have no business dealings with this company. I have disputed this information with all XXXX bureaus Experian is the only XXXX holding on to this debt without providing proper reason for verification. I 've seen no proof none whatever other than a dunning letter for collection purposes. I also received letter asking for additional information to dispute this information. I realize that Experian is notorious for stall tactics, but this is simply unacceptable to me. This is why consumers have laws such as fair debt collections practice act and fair credit reporting act to protect the consumer from this type of abuse. Another observation made to add injury to insult the same debt is reporting twice with different amounts which is a direct violation of these acts put in place to protect me. I am outraged at this theses violations to collector and Experian please help me resolve this matter.

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 2022-10-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Carrington mortgage several years ago. We have a fixed rate usda mortgage 3.25 %. I noticed it changed to 3.75 % years ago, and reached out. They advised I have a variable rate loan. I recently was looking at my loan documents and I in fact do have a fixed rate mortgage of 3.25 % we never refinanced. What can I do?

Company response to consumer: Closed with explanation