BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX  XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX CARD Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2022-09-28
Company: Experian Information Solutions Inc.
State: MI
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 confidentially under 15USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTED/XXXX XXXX DPTED/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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-09-28
Company: EQUIFAX, INC.
State: DE
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: DE
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-28
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have submitted a fraud claim with my bank TD, my card was lost and was used all my money until leave XXXX dollars on my account. 
I noticed when I logged in onto my online banking and saw a negative balance of XXXX I locked the card, requested a new one and call the bank to report the fraud. 
they gave provisional credit and after a couple of weeks the claim was denied because " the card was not used after '', situation that is obvious if they tried to make more purchases without positive balance, those transactions must be denied so thats why they didnt keep using it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank Institution Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over 45 days ago and it still reports as open on my credit 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 2022-06-09
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A {$740.00} refund was sent to my Regions bank business account on XX/XX/2022 from XXXX business. The owner of XXXX, XXXX, has documented the cash out of her account and should be refunded to me. Our communication is attached showing she agreed to refund, money is out of her account and the routing number confirming the refund was sent to Regions bank. 
Regions bank claims that they have DENIED the {$740.00}, It is not in my account and they have not credited it back. Regions has been denied to credit it back. 
XXXX has not got the {$740.00} back either. 
Where is the money?

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 2022-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, there was a fraudulent hard inquiry and account opened by XXXX XXXX. They were immediately notified of the fraud and instructed to close the account and to remove the inquiry. I was told that it takes 90 days to remove the inquiry. It has been longer than 90 days and XXXX XXXX, Transunion nor XXXX still will not remove the fraudulent inquiry.

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 2022-09-28
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:
My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, I went into : CHASE onsite:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX spoke to the branch XXXX " XXXX XXXX XXXX XXXX XXXX XXXX asked me to create a brand new saving account and to keep {$15000.00} at least in my checking & saving accounts so to get the safety deposit annual fee of {$65.00} waved. I thought it was good suggestion since I am with CHASE for more than 15+years and using the save deposit box anyway, so I kept up to today XX/XX/22, still have more than {$15000.00} in CHASE bank accounts ; however, XXXX took {$65.00} out of checking account and refused to wave it and saying that they changed the policy not to wave {$65.00} safety box annual fee regardless how much do I kept in their bank. I called XXXX on XX/XX/22, she said that it's out of her control, I told her that it is a cheating business if the safe box deposit {$65.00} won't wave, she should not ask me to keep {$15000.00} in the bank account, as she suggesed wrongly. 
I'd like to reqeust comsumer affair dept to investigate CHASE branches in XXXX XXXX, XXXX cities ; those branch managers recently changed to have poor customer services and lack of knowledge of delivery the truth to the cutstomer like me. This is illegal business practice, I'd like to reqeust CHASE to wave {$65.00} safety box deposit back to my checking account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: MO
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:
Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at XXXX XXXX XXXX in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted XXXX and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.

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 2022-08-01
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I made a {$12000.00} payment towards my student loans on edfinanical. Since then I have been making a monthly payment of {$520.00} on the XXXX of every month. On XX/XX/XXXX I made the {$520.00} payment and my account looked as it should. On XX/XX/XXXX I logged in to my account and found that {$500.00} dollars had been added to my debt. I had not taken out any additional loans and no interest was applied. With some investigation I found that {$500.00} was missing from the XX/XX/XXXX {$12000.00} payment. It says I paid the full {$12000.00} but only {$11000.00} was applied to principal and none was applied to fees or interest. After my XX/XX/XXXX payment I had a remaining balance of {$1000.00} left to pay back. I had also paid off all of my XXXX XXXX loans and the only remaining group was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with XXXX was transferred to RightPath in XX/XX/2022. 

As instructed by XXXX, I made my XX/XX/2022 and XX/XX/2022 payments to XXXX  on time and in full. I began paying RightPath XX/XX/2022 until the present - again paying on time and in full on the XXXX of every month. 

RightPath claims I owe them for 1 month 's payment- but I do not. I've contacted RightPath several times since the transfer. I've provided proof of payment for XXXX XXXX XXXX from my bank. I emailed proof on XX/XX/2022, XX/XX/2022 and XX/XX/2022 but to no avail. I've asked RightPath to reconcile my account and apply payments correctly and I've been getting the run around. 

I've attempted to contact XXXX to solicit help but they were acquired by RightPath and their site no longer allows me to contact them about my loan. 

My mortgage payments have not been applied correctly and I need your help to get RightPath to resolve this issue.

Company response to consumer: Closed with explanation