BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IL
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:
Company 's Response Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your dispute you indicate that a consumer reporting agency can not furnish an account on your credit report without your written instructions. You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review on XX/XX/2022. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. 

You told me that the companies verified the accounts. I need to know the person and department that verified along with their position and their contact information. I will give you 15 days to get this information. I will have to litigate if the information i am requesting is not given to me or either you remove all of the information that is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-16
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was storing funds in Gemini XXXX program and was very reliant on 5 day XXXX payment terms. It has been one month with funds still frozen and no update on when they will be available, as this year 's tax deadline for trading purposes quickly approaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Minto Financial dba Minto Money
State: NJ
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:
I took a {$500.00} loan from Minto money and so far I payed almost a XXXX dollars, they increased the apr and apparently I owe them another XXXX which is insane to repay XXXX  for XXXX.in addition to that I wanted to pay it over 18 months so I pay almost XXXX a month, theyre still asking for money and its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: IL
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-12-16
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 my mother passed away. I have been trying to get the ownership of the house transferred to me. ROCKET MORTGAGE keeps trying to force me to go through probate. They won't accept my calls, return payments I make towards the home, and adds hidden fees to the mortgage. This has dragged out due to the Covid 19 pandemic.

Every single lawyer I've spoken to says that probate is not required. I live in North Carolina where probate is not necessary to become an heir of the home she left behind. I am the only child and my mom did not have any partners when she passed. ROCKET MORTGAGE is following its own made-up policies and failed to follow the law of the land. They are trying to take my home away from me. They blatantly ignore me and cause so much turmoil. I just want everything squared away and taken care of. 

I want to take care of my mother 's home and assume rightful ownership. They even promised to put me over the mortgage if I got get some documents notarized and signed, but when I send them in, all I get are crickets. 

I have requested and completed the Potential Successor in Interest Acknowledgment forms about 5 times so far with no response. Either they say they never received the documents or they withhold information about the loan. Getting information on what I should do is like pulling teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SERVISFIRST BANCSHARES, INC.
State: AL
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:
According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.

Im allegedly obligated, not obligated.

You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Never removed late payments. 
I recently recived a copy of my credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Your company is in clear Violation of the law, Under 15 USC s1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 
Furthermore, the Fair Credit Reporting Act 15 USC s1681 ( 2 ) ( s ) ( i ) Exclusions from a consumer credit report Clearly states.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments accounts from my consumer report, this agency is in violation of 15USCs1681.

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 2023-04-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Mortgage was abusive or refused to assist in modifying a mortgage.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/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 2022-12-08
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:
FCRA Violation : address not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : student loans not mine US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION / XXXX  FCRA Violation : hard enquiries not mine 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 XXXXXXXX FCRA Violation : collection not mine XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XX/XX/XXXX a total of {$24000.00} was stolen from our ( XXXX XXXX and XXXX XXXX XXXX ) Chase Bank Account based in XXXX XXXX, CA through wire transfer fraud whereby these funds were wire transferred to XXXX XXXX XXXX XXXX of XXXX Florida without our approval or authorization. The description of the wire transfer was for the purchase of XXXX XXXX automobile. We did not order, or purchase a XXXX XXXX in XXXX of XXXX nor has XXXX been transferred, shipped, or delivered to us. Contacting the alleged seller they have no knowledge of this transaction, and did not receive a wire transfer. This fraudulent activity was not approved and was direct theft due to identity fraud. Our Chase bank account was " hacked '' and compromised and funds were illegally wire transferred to this unknown, unapproved account by a criminal 3rd party committing interstate wire fraud. Chase bank allowed this transaction to be processed despite the initial blocking of this transaction and our statement that we did not approve this transaction, and our demand to lock the account. 
The attachment indicates that the Chase had blocked the fraudulent wire transfer on XX/XX/XXXX pending the security review. At that time we believed our account was locked and protected. After the XXXX of XXXX additional attempts by the hacker thief/criminal were allowed to result in an unauthorized wire transfer ( via XXXX, and domestic wire transfer ). We had responded to Chase email inquires questioning if these transactions were authorized, and in every instance we stated that non of the transactions were authorized and that the account should be locked. Chase failed to lock the account, and allowed fraudulent wire transfers to be made despite clear indication that they were fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AE
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, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2023-03-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of XXXX  I opened a holding account with the PNC bank. 
To be clear, I have never used this account for any reason ; which means I have never written a check ; use a credit or debit card nor an ACH. I have never used this account for any transaction from since I made the initial deposit. 
I found out that the accounts were in fraudulent distress when I went to the bank to inquire about moving my money to a high yield saving account. I was told that there was an ACH withdrawal on the account to which I immediately told XXXX XXXX XXXX, the account XXXX, to file a fraud investigation into that transaction. She then told me that there were more transactions on both my saving and checking accounts. 
About a week on into the investigation an officer of the PNC bank in University XXXX in XXXX PA called me asking if I authorized a check payment. I quickly said no and asked the office of the bank to get the name and other information of the persons. He said that he would call me back but did not. 
Called and returned in person to the bank several times after but the dilemma becomes worst. The bank essentially told me that I was on my own and that I would conduct my own investigation. They told me that I have XXXX hours to file a complaint against an ACH if I need help from the bank. I refiled the claim this, a third time since and this is the stage at which I am in the process right now. 
I hope that some assistance can be had to resolve this issue. 
To resolve the problem, I would appreciate your kind assistance in reinstating all my money and interest taken from account. Enclosed are copies of my records I look forward to your reply and a resolution to my problem and will wait until within the next week before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
Several times I have complained about the erroneous items which linger in my file and several times it is ignored. I want you to remove the items which are erroneous and not mine it is not permissible that my complaint is being ignored. 

Kindly remove the following items ASAP : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8100.00}

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 2023-04-07
Company: CITIBANK, N.A.
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:
On XX/XX/2023 I woke up and saw that I got a credit alert. I quickly checked my XXXX account and to my surprise there were two hard credit inquiries that had been put that same day. 
One was an installment loan or new bank account inquiry from CITICARDS on XX/XX/XXXX The other was a BANK/CREDIT INQUIRY from XXXX  also XXXX XX/XX/XXXX. 
I did not ask for a loan or any credit check from these companies. I have not applied to a line of credit in a while as Im already paying off current debt. Luckily I caught it early and disputed the inquiries and put a fraud alert on my XXXX account. Please investigate this further

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 2022-12-16
Company: Experian Information Solutions Inc.
State: OR
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:
n accordance with the Fair Credit Reporting act 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 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 2023-04-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION # XXXX is violating my consumer rights by reporting negatively on my credit report. 

ARS ACCOUNT RESOLUTION # XXXX This is a direct violation of my consumer rights!! 

They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both EXXXX and ARS ACCOUNT RESOLUTION both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. 

I'll also be reporting them to the FDCPA as well.

Company response to consumer: Closed with explanation