BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: GA
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:
Date:XXXX17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
loans show up on my report and its not mine, i have police report # XXXX Id theft

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 2022-01-15
Company: Omega RMS, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I write to report about the company XXXX XXXX XXXX registered as XXXX XXXX XXXXXXXX XXXX for predatory practice. 
They found me from XXXX and called me some time last year to propose a match-making for professional singles. I was hesitant about the cost but they told me it was a monthly paid service and that I could opt out at any time. I told them that it is practice for me to sleep over every new proposal before deciding. She assured me that no worries, I wont be charged but and that its required to provide a Credit card but I still have time to decide. She then forwarded tons registration documents to virtually sign while assuring me on the phone that I can rely on her assurance that I wont be charged up front. 

What happened was different in that my account got charged {$500.00} which she had told me nothing about. Also I was denied the ability to opt out when I called about one or two days later to opt out. They had not provided me no service and have since not provided me any service. They have since sent my information to demanding {$2300.00} besides the {$500.00} for no services provided at all. 

I can only imagine how many Americans have to suffer from such companies that go unchecked. I will appreciate if you could call them to book and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * 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.

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 2021-04-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is an updated complaint filed earlier against XXXX XXXX XXXX which has a few departments that are hard to locate, inresponssive, impossible to talk to but once you get through they say that another department is handling them. However, this claim is reported on a credit report under LVNV Funding which is also stated on XXXX XXXX Notices. This complaint is addressed to LVNV which actually reports to credit agencies. 

I had a signed settlement agreement with the XXXX XXXX XXXX for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, the outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX, and XX/XX/XXXX. To prove I have a statement and notices from the bank reflecting a sufficient amount on the account and overdraft services were on. In XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact XXXX XXXX to clarify through their website and sent 3 messages of which I have time-stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentleman they have 2 different parts of the collection department and another department is under a different number, which I called and left a voicemail as no one was available. Then I proceeded to send another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments and did not schedule them, then I was told that it is all caused by my payment did not go through and that agreement was voided and now I have to start paying off the new settlement. Not only the manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I could not speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and paced me under pressure. Where this agency prays on the debt problems and makes them worse, robbing people and acting like vultures, instead of helping in resolving them by misrepresenting, miscommunication, and is reporting it to credit report under another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 Planet Home lending was assigned servicing of loan from XXXX XXXX XXXX In Breach of contract breached from XXXX XXXX Inc.4 times. Per note Giving of Notice, Any notice that must be given to me under this note will be given by delivering it or by certified mail addressed to me at the address above. Document A as of today this assignment has never been delivered according to terms Breaching contract. Planet Home Lending can not provide a clear assignment from XXXX XXXX XXXXXXXX to Planet Home Lending as requested with out proof of loan no payments could be made and loan balance is incorrect, questioning validity of transfer or fraud. Planet Home Lending did not notify me of acceleration of loan, by terms 2nd Breach of contract. Planet Home lending has sent fraudulent information a copy of 1st mortgage which violates privacy they should not have this document, Fraud document B. I am sure They had looked over all documents, as they sent twice. second letter was to XXXX XXXX violating privacy again this was not error or over site, this is fraud. Planet Home Lending took 13 months to Make any contact with me after their a ledge service and another 7 months stalling resolution beyond my resolution at the cost of {$30000.00} and much XXXX. planet Home lending has been nothing but dishonest and violating good faith as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I enrolled in a Home Depot Consumer Credit ( operated by Citibank ) which advertised a savings of {$50.00} off the first Home Depot purchase of {$500.00} - XXXX using the card. The advertisement for the card listed several exclusions, but did not state that the {$50.00} could not be combined with any other offer. 

On XX/XX/2022, after enrolling in the Home Depot Consumer Credit Card, I attempted to make an online purchase on homedepot.com of {$850.00} but was unable to access the advertised {$50.00} savings online. I called Home Depot Consumer Credit on XX/XX/XXXX and spoke with an associate who confirmed I was eligible for the {$50.00} savings, that I should go ahead and make the purchase, and then call back 48-72 hours after making the purchase to request that the {$50.00} savings be applied to my purchase retroactively. Based on this guidance, I proceeded to place the order on homedepot.com. 

On XX/XX/XXXX, I called Home Depot Consumer Credit and to request that the {$50.00} savings be applied to my purchase. At that time, I was advised that I was not eligible for the {$50.00} savings because I had already received a 10 % veterans ' discount on the purchase from Home Depot and the Home Depot Consumer Credit Card {$50.00} savings could not be combined with any other offer.

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 2022-02-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
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 am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. XXXX unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

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 2022-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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 was recently denied credit today XX/XX/2022 due to Chex Systems reporting inaccurate, unverifiable, incomplete information under the account they maintain under my social security number. 

They are reporting an unpaid overdraft at XXXX Bank in the amount of {$220.00}. I challenge the accuracy, compliance and reportability of this listing. By their inaccurate reporting I am being denied credit and this must be corrected 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 2017-10-02
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XX/XX/XXXX, Fein, Such and Crane, LLP began a Foreclosure on my property for XXXX. Records obtained from XXXX indicated that the loan was signed off on in XX/XX/XXXX. I believe that false documents are being used in court. I think that I am the victim of foreclosure fraud and robo-signing. Most court documents include sensitive information that has been blanked out. Fein, Such and Crane have been accused of committing foreclosure fraud and robo-signing documents. Fein, Such and Crane and XXXX have refused to validate my debt. Fein, Such and Crane, LLP has recently changed their name to 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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First, you have to understand, 'credit lock ' is a Transunion product they charge for- and that they have manipulated their website to steer you away from a 'security freeze ', which is free. 

Of course, after the breach/debacle with XXXX, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumers misfortune by ensuring you are NOT ABLE to get a security freeze ( one again, your right to completely free security ). 

They have completely blocked EVERYONE 's ability to complete a security freeze online, a process that takes seconds to complete. At the end of this process you will receive a message to contact them via phone. Once you call, you will guided through the security prompts and in the end, you will be informed they are ( once again ) unable to process your request and you will need to talk to a representative ... after which you will transferred to a busy signal. 

***** Remember, if you ca n't place the security freeze you are completely entitled to, your only option to protect yourself is to purchase Transunion 's Credit Lock product ... funny how that works. FYI, ignore the mis-information ALL of the bureaus/CRAs are promoting on a Security Freeze. They are easy to do. AND- you can apply for credit at any time- just be ready to provide your pin to the creditor. It 's that simple! 

Next, rinse and repeat, over and over and over and over again. I have literally attempted to get this done dozens of times over the 4 days since the XXXX debacle was initially reported.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on Experian and XXXX. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer 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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This submission is NOT from a third party, I XXXX XXXX XXXX XXXX the natural person, consumer & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX-22 I sent a certified letter to Transunion informing them on the unauthorized use of my credit report. Pursuant to the FCRA my credit report shouldnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They currently have 4 accounts that theyre reporting that I did not give consent to. I need assistance with these crooks who are bypassing the law & have proved their actions are for personal gain. I gave them 7 days upon receipt to delete immediately and send a copy of such deletion. They received my correspondence on XXXX-22.

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 2017-09-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Tried to use Chase debit card to withdraw money on XX/XX/XXXX, ATM said visit branch. 
Visited branch, told accounts were " closed '', but funds NOT available to withdraw. No reason given except " bank decision to close account ''. 
No funds available to me because my savings account was closed as well as my Chase credit card. Reason : " You'll receive a letter in the mail within 10 days with Chases " reason to close account, '' Friday, Saturday, Sunday, Monday, Tuesday, Wednesday, Thursday, no money available to me thru XXXX XXXX. When looking at my Chase App, shows all accounts, no mention of any restrictions or closure. Only way I knew was because I tried to use the debit card. Shouldn't a bank notify a customer if account full of money is suddenly closed??

I visited the branch Thursday afternoon and demanded my money. With much time and patience, my money was given. So no reasons for closure. I must start all over with another bank. Chase has been an absolute nightmare for my family. Found out today, now they closed my son 's account, no reason. He is unable to get any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act Account # 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.

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