BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent inforamation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission 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  shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.List of accounts below has violated my Federally Protected Consumer Rights to privacy & 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 


15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.

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 2022-12-13
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX 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 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 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 2022-12-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2022-12-13
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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

privacy and consent 15 USC 1681 section 604 A section 2 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.

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 explanation
Consumer complaint received 2022-12-13
Company: MORGAN STANLEY & CO. LLC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
E TRADE has locked my funds for over 6 months! I have done everything they asked for. Sent in my ID ( front and back ) sent in a letter, sent in copy of my ssn card. I even sent in bank statements showing the withdrawals to E TRADE. This was still not enough they wanted to 3 way call my bank. I moved from XXXX  back home to XXXX  in XX/XX/2022. When I did this I transferred {$4200.00} to my E Trade checking account. I also closed my credit union I was using in XXXX. .So after the 3 way call all the bank could confirm was that my account had been closed. Every time I call E TRADE. They say they wont unlock until 3 way call was complete. It has been completed. Twice. Im outraged they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Resurgent Capital Services L.P.
State: MI
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: Problem with personal statement of dispute

Complaint:
I submitted a verification letter to the company and received no response XXXX responded on XX/XX/2022 to verify the debt of $ XXXX company could not provide the original contract with my wet signature, creditor information such as name -address, and phone number of the original creditor, the payment history of the account such as itemized billing, and proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Solar Mosaic LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to Solar Mosiac to obtain two construction loans. Solar Mosiac then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with Solar Mosiac conspired to commit fraud against me. Solar Mosiac refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX  I lost my job and requested numerous times that Wells Fargo Home Mortgage modify our payment due to my loss of income. They continued to report us behind and threatened foreclosure. Later after I regained employment, we submitted payments in full with proof from our bank that the payments were submitted and not returned. They claimed they never received them even though they accepted every prior electronic payment. Prior to this we had years of problems with them in applying payments and spending hours in the phone to get them applied correctly. We had to have consumer protection file against them and never got our $ returned and had to pay over XXXX  even though our bank verified transactions were completed. Since XXXX  when we refinanced we have had nothing but trouble with misapplied payments, lack of assisting with modification, and losing our in XXXX  which would have been more of the State of WV consumer protection would not have sent them proof of payments and yet we still had to pay an additional {$9000.00} as they magically found 3 payments after nearly a year. Since then, things have never applied correctly and we have kept all records and have yet to see these payments ever apply in full to principal, interest, or escrow. It continues to be a hassle and we should be much closer to paying off our home than their records reflect. Unemployment is stressful enough but their lack of assistance with our attempt to modify and their attempt to foreclose TWICE has been unbearable when we have always communicated with them and even had consumer protection try and assist us.

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 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft.

I didnt consent nor benefit from XXXX. If I received goods or services, please have a XXXX XXXXXXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX card - A convenience check was fraudulently used on my account on XX/XX/XXXX in the amount of {$1500.00}. Also on XX/XX/XXXX XXXX XXXX master card fraudulently charged on my account {$60.00} as a transfer fee. 

My account did not have a balance at the time of these fraudulent charges. On XX/XX/XXXX I was notified I had a payment past due on the account. Prior to these fraudulent charges my balance was XXXX {$0.00}. XXXX XXXX charged me a late fee for not making a payment on these fraudulent charges in the amount of {$29.00}. On XX/XX/XXXX they also put a minimum charge of XXXX on my account for nothing. I have not used this credit card. 

XXXX XXXX has credited back the {$1500.00} but refuses to credit the balance transfer fee of {$60.00} and the late payment fee of {$29.00}, both of which are due to the fraudulent charge of {$1500.00} as well as a charge for XXXX XXXX  ( XXXX ), listed as a minimum charge, I don't know what this minimum charge is for. I have not used this credit card wince XXXX XXXX XXXXXXXX. 

XXXX airlines calls me and harrasses me more than 5 times every single day to tell me that I am past due and I need to make a payment for these fraudulent charges. 

I want XXXX airlines to credit back all of the charges made on my account that are associated with these fraudulent charges as well as the XXXX XXXX  they charged on my card as a minimum charge. After they have done that I want this account closed.

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 2023-03-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # 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 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
Consumer complaint received 2023-10-03
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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:
Company called me several times a day. I have repeatedly asked them to verify the debt and send me documentation. Not only did they not send me any documentation the gentleman said if I didnt arrange payment immediately that they would file collections on my credit.

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 2023-03-20
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:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached letters that were sent to the credit reporting agencies and the creditor XXXX XXXX which are dated, and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
I received a credit alert on XXXX XXXX informing me that JPMCB has a hard inquiry on my report, when I didn't apply for anything on this matter I was sleeping and the report appeared. 
On XX/XX/2023 At approximately XXXX On a personal note I don't deal with Chase bank anymore.

Company response to consumer: Closed with non-monetary relief