BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$160.00}.

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Sunday XX/XX/XXXX, I received emails from Bank of America indicating there was a checking account application being reviewed and subsequently approved. These emails had my name, the type of checking account opened and the last 6 digits of the account number. 

I thought this was quite odd because I was previously a Bank of America customer with another product ( not checking/savings ) but had not been since XX/XX/XXXX, so my information would be in their system. 

I called first thing on Monday XX/XX/XXXX and when I was finally able to reach a representative in their online fraud department, they would not give me any details on the account. 
They would not even provide the routing number on this fraudulently opened account. 
All they would assure me is that it was closed. 
I could not find out if there were linked accounts to it or the address used to sign up.

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 2022-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX  charged me for something I dont know anything about.

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 2022-11-14
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification from the XXXX, who does credit monitoring for me on XXXX XXXX, which said that an account with my information on it has gone to collections. I checked the account in question and it's for a " Sunrise Credit Services '' on behalf of " XXXX. '' This was the first time I had heard of this account because it was not opened by me. I check my credit regularly and never noted an account from XXXX on any previous report. I filed a dispute with all three credit bureaus and will be contacting the credit service next.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Company kept charging my credit card and continually deleting negative items and then putting them back on within a week of it being deleted. I spoke with customer service and also have the email confirmation confirming my account cancelation. Not even XXXX minutes they tried to charge my card again after telling me that my account is cancelled. 
I have emails as well as notifications from My card company.

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 2022-11-15
Company: R & B Corporation of Virginia
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent a bogus statement for verification of a debt I did not owed and even though it is disputed during the investigation. They continued to report it to credit reporting agencies. Please sent an attachment of that statement to consumer finance bureau on my request. The statement does not have my name, SSN nor any identifiable information but for some reason you linked it to my credit report. This is fraud and violation of FCRA laws. 
Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service that render service. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: World Acceptance Corporation
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: Personal information incorrect

Complaint:
Called XX/XX/2022 address was incorrect My address is wrong and I never received anything in regards to this balance. 
My current address is XXXX XXXX XXXX  XXXX XXXX TX XXXX Previous address is XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never opened an account with XXXX XXXX XXXX XXXX. I have knowledge of this account or how they accessed my billing information or social security number. This account plain and simply is not mine. Nor should it be registered to XXXX XXXX as I have NEVER opened an account under my name with said company. Please investigate that identity theft may have occurred here!!! I also want proof that I opened this account. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received my federal student loans on or around XXXX XX/XX/2022. After receiving the check via mail, I deposited the check for {$4700.00} via the USAA app. My money was put on a temporary hold, as is customary, and all funds made available after a few days. I spent the majority of the money furnishing my house over a 10 day span, at which point my debit card stopped working while getting groceries. 

USAA had not notified me of this issue, and my account showed no notifications or messages telling me what was happening ( it still doesnt. ) My emails had nothing from USAA aside from insurance payment info and spam. The only thing that let me know something was wrong were the words Balance Details Unavailable where my account value should be. 

I called USAA and after an hour on the phone, was told that I was under fraud investigation. When I asked why, the check was given as the reason. I asked why that would happen, because the check was from my college. The woman on the line did not know, and was as confused as I was. After some investigating online, I found similar cases - USAA locking customers accounts after depositing large checks. The checks go through on both ends, but USAA kicks them back regardless. 

Its been a week and I have no access to my funds. I have also been told that the check might be returned. Unfortunately, I have thrown away the original and will likely have to start the process of getting a new one. I am currently not able to pay for groceries, gas, or my sons daycare, which debits my account every week. In the event my check is kicked back, my account will be XXXX of dollars in debt while I wait for a new check. My XXXX XXXX housing allowance will go into my negative account, which means I will have no money for rent or utilities. If the check is not kicked back, I am still going on week two with no access to money that I signed for and that was cleared by both parties. 

My parents have banked with USAA my entire life. I chose USAA right before going to basic training and have been a loyal customer for the last seven years, both banking and insurance, but after this I will likely switch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid XX/XX/2020 Amount XXXX They stated they would remove from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal will not close my account. They are claiming technical difficulties and have no time frame on when it'll be fixed. I'm closing the account because of their misinformation fine of {$2500.00} they stated would happen if you're found to post " misinformation ''. I can't risk a private company draining my accounts because they don't agree with something I posted on social media or elsewhere. Paypal has since retracted their AUP and claim it was done in error. That language got in there somehow and someone was thinking it. I don't believe their retraction and instead think it's because of the huge backlash they received. I can't do business with this company anymore and do not want them connected with my bank and credit card accounts. This is happening to many people and actions need to be taken. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone stole a $ XXXX check from the mail that was meant to go to the IRS for estimated tax payment. This person washed all of the writing on the check and replaced it with a new recipient, memo, forged the signature and deposited the forged check into their bank account. I filed a police report and sent a ton of evidence to the bank showing the fraud but the bank is saying that since it's been more than 30 days they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus have ceased to uphold their legal obligations and have ignored my written requests for the disputed accounts in my file to be corrected. I already asked the Credit Bureaus to reexamine the disputed accounts from my credit record and temporarily update these accounts from my report throughout the investigation time in a letter that I sent on XX/XX/2022. The Credit Bureaus have not responded to my request as of this date. The Credit Bureaus are required by law to conduct their inquiry within 30 days of receiving my letter and to provide a response within 5 days of the conclusion of their investigation. The requirements of the law have not been upheld by the Credit Reporting Agencies. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following accounts must be immediately corrected : XXXX : XXXX XXXX {$230.00} XXXX : XXXX XXXXXXXX XXXX {$280.00} TransUnion : XXXX XXXX {$230.00}

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 2022-11-24
Company: Google Compare Credit Cards Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 I called police for being a victim of identity theft they go against me and send me to hospital forced shots and I'm in a data breach with XXXX XXXX XXXX XXXX and online college XXXX and student loans done not y me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Rocket Mortgage, LLC
State: OH
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:
Rocket Mortgage In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 16666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Stellantis Financial Services US Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX First Investors Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact First Investors Financial Services immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-02
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I have disputed a fraudulent account ( WELLS FARGO XXXX ) multiple times and yet somehow this account continues to report on my credit. I am requesting the removal of this account form my credit as it was opened by someone other than me. Please see the Federal Trade Commission report that I was advised to file by my attorney. THIS ACCOUNT is FRAUD AND YET IT CONTINUES TO REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a letter requesting the validity of debt to Fair Collections & Outsourcing regarding the account Fair Collections & Out XXXX on XX/XX/2022. 
Federal law requires that collection agencies respond promptly within 30 days. It has now been 36 days since this company has received my letter as failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). I am now requesting that you DELETE this item from my credit report immediately. Additionally, you failed to validate this debt at my request, which is a FDCPA violation, and you continued to report inaccurate information. I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2022-08-24
Company: Maximus Education, LLC dba Aidvantage
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received to pay student loan XX/XX/XXXX from Aidvantage while Biden hasnt confirmed extension yet..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i would not have let that happen. XXXX broke our agreement The CARES Act. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID 19 crisis. I made an agreement with XXXX XXXX for payment relief before i fell behind the CARES Act Requires that the creditor to report your account as Current and good standing

Company response to consumer: Closed with explanation