BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}

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 2021-10-28
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX XXXX XXXX reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry Jpmcb credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX {$550.00} XXXX   XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AMERIS BANCORP
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Ameris Bank of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Ameris Bank could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Ameris Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do

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 2022-04-14
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
A company posing as Chase and XXXX said there was fraudulent activity on my credit card account and that they were placing restrictions as a result. They asked for my SSN, picture of my driver 's license, my email, my password, address, DOB. I gave all that info thinking it was Chase : ( the website had the Chase logo, and it looked very legitimate. I thought it was them, because it is not uncommon that they send notification of suspicious activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status is still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: FC HoldCo LLC
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:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. In the letter received, the company says about Ms XXXX XXXX, but I'm not Ms , I am Mr. XXXX XXXX. So I come to a conclusion that I was provided with the false information ( See attached letter ). Also I have no recollection of doing any business with FLAGSHIP CREDIT ACCEPTAN LLC.

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 2015-03-26
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i just found out that my name was primary on mortgage loan for at XXXX XXXX XXXX, XXXX, SC with Owcen Financial Corporation that was awarded to my es wife. A Quick Claim Deed was to be record with the divorce agreement, which give her ownership of property 100 %. This property went into foreclosure this month XXXX XXXX, 2015 after being 9 months in rear. 9 months ago my ex wife purchase another property. Her Loan to Value ratio would allow her to purchase another property with debt of the first property. After talk with XXXX, i was the point of contact for first property but. I dont own the property anymore. I strong believe that my signature is on document release her from debt to purchase another property and clear her from the first property. I have made complaint with SC XXXX XXXX XXXX XXXX, I have inform the Fraud Department at Owcen and XXXX XXXX XXXX, LLC of my concern due to Quick Claim Deed not being filed, record and attach to note. There has been some Fraud in the purchase and with debt being left on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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 accounts XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 1666 B : 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 2022-09-12
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : XXXX XXXX XXXX XXXXXXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : 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 furnished a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I have a XXXX account for my daughter, that she used to use when she was XXXX XXXX XXXX XXXX. She has not used the account for the last five years as she does not work anymore. I am trying to close the account numerous time and bankers at the branch of XXXX, XXXX as well as, XXXX XXXX, XXXX XXXX  are refusing to close it with excuses that they are simply busy. I was at Chase, XXXX XXXX, XXXX XXXX on XXXX XX/XX/XXXX at XXXX and met with the banker who told me to come today on XXXX XX/XX/XXXX no later than XXXX. I came there at XXXX and was told to come the next day as he is booked. I clearly stated to them of XXXX that I just need to close the account, and I do work full time and I can only be there after work. They disregarded everything and made me leave. Please help, it is unfortunate that I have to complain in order to have my daughters XXXX account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Please remove all inquiries which I listed in identity Theft 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 explanation
Consumer complaint received 2022-09-12
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  accounts XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX # XXXX have 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 1666 B : 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX have 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 1666 B : 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 2020-04-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the week of XX/XX/2020, I called the private student loan lender of MOHELA XXXX XXXX stating that I am unemployed and my XXXX  is going bankrupt due to the COVID-19 pandemic. I asked for an interest free deferment. I was only offered a 3 month forbearance. I told the representative that I am not interested in a compounding ( capitalizing ) on the principal term. She reassured me twice that it is non-capping. I agreed to this non-capping term. On XX/XX/2020, MOHELA XXXX XXXX wrote me and stated they approved me for a 3 month forbearance that is capitalizing and placed me into this. I was lied to on the phone and put into forbearance terms that will cost me thousands of dollars. This needs to be investigated. 
Also, the government needs to make private loans deferred during this time, as only federal loans are deferred for 6 months and all people with private loans are being forgotten about while we have no income. These private loan policies are predatory. There also needs to be legislation to update the bankruptcy law to eliminate student loans for people who are going bankrupt related to COVID-19. We need help. In a chapter XXXX bankruptcy, student loans are not discharged even in the midst of this natural disaster. In a chapter XXXX filing, they ignore your student loans and put them into forbearance for 5 years while other debts are paid and can you imagine how much someone's life is ruined after 5  years of interest being added to a principal loan balance that is over {$300000.00}? The system is broken and creating indentured servitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: I.C. System, Inc.
State: IL
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 mailed dispute letter to XXXX  it is still reporting on XXXX. havent received a response back after the 30 day period the account doesnt belong 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 2021-10-28
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:
This is now my THIRD COMPLAINT to Equifax using CFPB and I will be compiling all my complaints and documents for submittal to upper governmental regulatory agencies to get justice.Despite two complaints, Equifax has chosen to leave data fields blank in regards to Outsource Receivables. Equifax has not been able to validate the debt nor post date of first delinquency data which would cause this negative information to be posted until the end of time. I will PERPETUALLY make complaints through CFPB until Equifax does what their are required to do by law. All their activity will be preserved for evidence of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, an unauthorized and/or fraudulent credit hard inquiry was listed by TransUnion as made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. On or about XX/XX/XXXX, I DID NOT apply for any type of credit with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I never received any sort of communication from this creditor ( approval letter and/or denial letter ). This is an unauthorized and/or fraudulent inquiry and therefore this inquiry must be deleted immediately. Every attempt was made directly with this creditor to get this inquiry deleted from their system as well as from the credit bureau. Therefore, TransUnion must now process this complaint INTERNALLY and IMMEDIATELY and then DELETE this unauthorized and fraudulent inquiry IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: KY
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:
On XXXX XXXX 2017, I contacted Equifax and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XXXX XXXX, 2017. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

Company response to consumer: Closed with non-monetary relief