BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently received a letter dated XX/XX/2022 from Rocket Mortgage. Who indicated they were unable to approve my home loan. Because of Debt to Income : Excessive Debt. Which I feel that I am being discriminated against because of my race, color, age, sex and marital status. By them denial me the home I feel that I could afford as being single. Without an co-signer. Also they pull credit report from XXXX without me unlocking my credit report for them to withdraw. XXXX is wrong for allow them to have access to my credit file. Im paying XXXX {$24.00} each every month to keep safe from fraudulent accounts made in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not request anyone working for these companies to conduct any inquiries or view my credit report. Furthermore, I did not give Transunion permission to include this information on my credit report. This is a violation of Section 1681b ( c ) of the Credit Reporting Act, which constitutes fraudulent activity, as well as a serious violation of my privacy rights. Please confirm this information with these companies and send me copies of any documentation associated with these accounts that bears my signature authorizing an inquiry. 
I also demand that Transunion produce a contract between you and me, the consumer, with my signature, indicating that I granted you permission to provide any information on my behalf. 
In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be removed from the credit file you keep under my Social Security number immediately. 
Please keep in mind that the Fair Credit Reporting Act section 611 gives you 30 days to produce the requested contract and complete this investigation. 

XXXX : XXXX : XXXX { Agent/Beneficary } All Natural Inalienable Rights Are Reserved Without Prejudice

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 2022-07-01
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered phones through XXXX XXXX XXXX. They sent me out an extra phone which was never activated nor opened. They even created a new account under my name for the said account. I attempted to call to rectify the situation with a call center representative, but the representative claimed that they couldn't see the account at which time I was transferred to a manager. Upon talking to the manager I was told that I shouldn't have been charged and that the account would be closed and all charges canceled. I looked at my credit report and the debt has been transferred to a debt collector. This collection has caused some creditors to lower my credit limit and impacted me negatively. If this account isn't removed promptly I do intend on seeking legal action and recovery against XXXX XXXX XXXX and the collection agency reporting the account on my credit profile. As this account is fraudulent and I never authorized a new account to be opened in my name this account and balance was supposed to be null and void. XXXX XXXX XXXX received the phone prior to XXXX XXXX, XXXX. I called to verify and was told it would be handled immediately. I contacted the debt collection agency and they have taken no action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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:
In accordance with the Fair Credit Reporting act XXXX these accounts 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX has all 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 an 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL XXXX consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments

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 2022-07-01
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing a copy of my updated Credit Report last XX/XX/XXXX, I realized that there were inaccuracies being reported on my file. When I further investigated my credit report, I realized that some of the information are erroneous. The last complaint I submitted was XX/XX/XXXX requesting Experian to correct these items. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX  XXXX Late Date : XX/XX/XXXX, XXXX XXXXLate Date 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 2022-12-01
Company: Experian Information Solutions 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 : 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  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 an 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 or 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. 1681 S-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 explanation
Consumer complaint received 2017-10-02
Company: John C. Heath, Attorney at Law, PLLC
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to cancel services. Company stated they would cancel that day and that a final payment of {$110.00} would be taken XX/XX/XXXX for services rendered the previous month. They stated an email confirming cancellation would be sent. Email received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to confirm cancellation of services. Agent stated services were not cancelled and that she would do so immediately, and waive the final {$110.00} fee for XX/XX/XXXX for the trouble. She stated an email would be sent confirming the cancellation. Email confirmed to be correct on the phone. Email never received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to again confirm cancellation of services. Agent stated that for an unknown reason services were continued. Fee was removed for {$110.00} from checking account XX/XX/XXXX anyway. He stated he would reimburse the fee and officially cancel services and send a confirmation email. Both refund and email never received. 
At this point next actions to be taken will be that this complaint and a certified letter revoking authorization to illegally debit a bank account as well as a copy of a stop payment order from the bank will be sent to this company. Failure to respond to any of the 3 items sent will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Credit inquiries on your report that you don't recognize

Complaint:
n 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 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 XXXXXXXX, 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charged {$320.00} for monthly service that was not provided, phone bills with zero call logs or data usage, no equipment ( phones tablets etc ) ever purchased with 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 2022-08-22
Company: OPTUM BANK, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My employer uses OptumBank to manage XXXX account funds. They charge a {$1.00} quarterly fee for any mailed statements. In early XXXX after receiving my first quarterly statement and noticing the fee, I changed my elections to online only. 

In XXXX I transferred the assets out to another custodian that I prefer, and they closed the account without my permission. I complained at that time about the closing and they reversed the closure on XX/XX/XXXX. 

In doing so they did not restore my preference for online statements and defaulted back to mailed statements which caused a second {$1.00} fee to be assessed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My checking account is with Investors Bank, now a division of Citizens Bank as explained on their website. 

Planning to close my account, I reduced my bank account balance to {$0.00} in order to close it. Until that point I had maintained a {$1000.00} balance in the account in order to avoid a {$10.00} service fee. I attempted to reach customer service to close my account and for over a week was unable to connect with a customer service representative. When I finally reached a customer service representative, after the new month had arrived, I saw that my account had been charged the {$10.00} fee for having a low balance. It thus had a negative balance ( {$10.00} ). I was instructed to " zero '' the account ( i.e., add money to it ) in order to close it. 

The obvious difficulty here is that I will never be able to zero the account if I can not reach a service representative and am charged a service fee that brings my balance below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Georgia Student Finance Authority
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is my second complaint with Georgia Student Finance. This time I am filing a complaint because the school XXXX XXXX closed down back in 2019. I was misled into believing that I would have gainful employment after completing the degree program. I was forced into signing that Master Promissory Note. 

I do have an active borrower 's defense application with the Department of Education. They have not made a ruling as of yet XXXX ( application number ) Can provide a copy of the application that was in fact for the former school, XXXXXXXX XXXX. 

While the Lender has my signature and I disputed the debt before as not valid, to me, I believe the contract should not be enforced. Because I was like many other students forced to take out extremely expensive loans. 

I also informed the organization that I am no longer in the state of Georgia and had no choice but to move because I had not gained employment. This is what I was promised when I enrolled in the program. 

I have tried to work with this agency but they are not willing to work with my at all and left me no choice but to filed another complaint with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Synovus Bank
State: FL
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:
XX/XX/22 thru XX/XX/22 charges were made outside my home area/county, mostly for gas/fast foods. There were 20 different charges made, totaling {$810.00}, even though my credit limit was {$700.00} ( on a secured credit card ) I started an investigation with the credit card company, they claim I am responsible, even tho the card was in my sole possession at the time, securely locked away. one of the charges was made in XXXX XXXX, which I have never visited.I have called many times, with no positive response, and have sent several ( 8 ) letters, complaining of the charges, intrest and payment demands. I have made minimum payments all along, as suggested by cust service at the company. I have filed police reports in 2 counties here in Florida. 
I am a senior on a fixed income, have recieved no help at all from First Progress Bank, and been made to feel like I was not important enough to even answer my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Constantly impacting my credit score, reporting to the agencies without my consent and they keep calling me to pay the debt. All debt is obligation of the United States per 31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My card was charged for repeated transactions amounting to tXXXX  of dollars. The initial transaction was for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from ( I.C. System Inc. ) XXXX XXXX XXXX XXXX XXXX MN. XXXX For the amount of {$5200.00} on XXXX with my name and address. I did call and make a complaint to them and to my understanding they put it in their system as fraud. I spoke with customer service at XXXX XXXX and asked to speak with a XXXX and they wouldn't let me without giving my email. I asked for proof of the account and They didn't give me any answers. I live in Idaho, this is not my bill and I have never had XXXX XXXX The name and address of the original creditor is : XXXX XXXX XXXX HWY XXXX XXXX. 
XXXX MD. XXXX I Spoke with the XXXX and they said this creditor address doesn't even exist. I need my name and any information of mine cleared

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 2022-09-21
Company: EQUIFAX, INC.
State: SC
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:
EQUIFAX AND XXXX HAVE REPORTED A MEDICAL COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HURTING MY GOOD CHARACTER AND REPUTATION. 
THIS ACCOUNT HAS BEEN PAID IN FULL AND PER THE ANNOUNCEMENT ON XX/XX/2022, ALL 3 CREDIT BUREAUS WILL REMOVE ALL PAID MEDICAL COLLECTIONS FROM THE CREDIT REPORTS. 

I HAVE ALSO ATTACHED A SCREENSHOT OF MY BANK STATEMENT OF THE PAYMENT OF " {$480.00} '' FOR THE COLLECTION THIS ACCOUNT IS PAID IN FULL AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 

( XXXX ) XXXX : XXXX XXXX COLLECTION ACCOUNT # XXXX ( EQUIFAX ) XXXX : XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation