BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX 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 15USC 1681 section 602 a states : I have the right to privacy.

15USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or around XX/XX/XXXX Chase Bank was advised that my Business account for XXXX XXXX XXXX was experiencing fraudulent charges including but not limited to withdrawals ' ATM .. and credit card charges that were not mine. 

I was told to call Customer Service. Customer Service did not help. 

On or around XX/XX/XXXX XXXX I went to th chase Bank branch on XXXX XXXX XXXX. All I asked was for my account number and routing number. I was in XXXX Virginia for three weeks which I can prove and when I mentioned that to the clerk she immediately stood up and called security. I left without saying a word. 

I'm an American Citizen and pay SC taxes on my business and I would like to have my account number and routing number as I was never given any checks. They do not seem to be willing to cooperate nor investigate the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23, I wrote Equifax to investigate and remove hard inquiries on my credit report. I never heard back from the company. I called today and the representative told me I needed to provide an ID theft report which I am attaching to this complaint, along with the original letter sent to Equifax. You will also find a copy of my social security card and my drivers license, along with proof of address. Please remove those unauthorized inquiries as soon as possible. I did not initiate these inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$3600.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/20

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 2023-12-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have 2 residential loans with Truist for the same exact amount, same interest rate, and granted at the same moment in time. They each are secured by each side of a duplex at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. For 18 years the payment amounts were exactly the same. ******But with the latest interest rate change the payment amounts are different by XXXX cent. When I called to find out why, the Truist mortgage person said that loan ending XXXX was slightly higher because it had had an insurance policy forced slammed against it for a short time before it was removed. I corrected that issue with a prior CFPB complaint XXXX, but apparently there is a computer error in determining the monthly payment of the loan ending XXXX. ****This needs to be corrected so that both loans are exactly the same, and the payment is exactly the same. If I didn't have exact loans, I would not have known that Truist was overcharging me. Truist might be doing the same thing to thousands of its other borrowers. Here are the loan numbers, the balance as of XXXX and the monthly payment by auto draft : loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. The other loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. ****I realize that XXXX XXXX seems like a trifle but I'm concerned that a computer determining payments for identical loans reaches 2 separate amounts.

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-06-08
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount of debt : {$1500.00} Date of Service : XXXX XXXX Provider of Service : HCA Florida XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from HCA Florida XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to HCA Florida XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections account that does not belong to me was placed on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) Written request for validation of debt was sent to debt collector via certified mail on XX/XX/2022. Written and electronic disputes were also submitted to all 3 credit bureaus. 
Debt collector failed to respond to my request for validation. On XXXX XXXX all 3 credit bureaus confirmed that this debt does not belong to me and removed it from my credit report. 

On XX/XX/2022, this same debt that has been confirmed as not belonging to me has been placed on my XXXX credit report as a collection account but with a different debt collector : CREDENCE RESOURCE MANAGEMENT - ORIGINAL CREDITOR XXXX XXXX ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX TX XXXX I submitted an electronic dispute with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-09-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has placed purchased insurance coverage on my behalf. The cost of this insurance was passed on to me through as an increase in my monthly mortgage payment. They said : To avoid this increase, you can easily provide us evidence of insurance by uploading your policy. 

Ive had continuous insurance coverage and called to provide proof of insurance to stop the additional charge that has dramatically increased my auto mortgage payment. They informed me that the only way to do so was via a website. The website has told me every time Ive logged in and tried to load proof that the web said has said Upload temporarily unavailable. 

I and my insurance provider has called ( after trying to fax the proof of insurance and the fax line failing ) the mortgage provider and the long hold times has led to random impromptu disconnection. The proof of insurance website has never allowed me to load documents though I can log in. My mother is a coborrower and elderly and she does not have consistent access to the technology. 

My payment has been erroneously and dramatically increased. Auto debited. And no remedy is available to me. I need help, my livelihood is impacted. 

We cant reach anyone via phone call most of the time. The fax line has not worked when we tried it. The website to load the documents has not worked 100 % of the time that Ive tried. And they are auto debiting my account for more than the amount I agreed to when I signed up for autopay.

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 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. I have a checking account with Bank of America. And I have another account with the name of XXXX XXXX who is my son ( minor ) and I can manage my son 's account with all activities. On XX/XX/2022 around XXXXXXXX XXXX while I was driving back home, I noticed my Bank of America app on my phone was notifying, so I stopped to check and the app was telling me that there has been several unsuccessful attempts to log in to my account, so for me to log in I have to change my password and username. After doing that I found out that there was one unauthorized transfer from my son 's XXXX XXXX 's account to my own checking account with the amount of XXXX USD and to make it worse I noticed four unauthorized XXXX transfers from my checking account with the amount of XXXX USD. I immediately called the bank and they told me to change the password and the username immediately and I gave them all the information about this incident and the person who was talking to me told me that in ten to eleven business days I'll be credited with temporary amount for this occurred fraud, till this investigation is concluded. After two to three weeks I received two emails and two letters from Bank of America stating that the case is closed and that they found out that there was nothing suspicious, well in this case I strongly disagree with the Bank 's investigation. Because of the following points : 1.It is suspicious that I'll do four XXXX transfers from my account to the same person whom I do not know and when I asked the Bank about his phone number or who he is or his contact, the Bank gave me no answer so far. 
2.Usually when there is a XXXX transfer I receive a text message and an e-mail, checking my text message and my e-mail I did not find anything, and when I asked the Bank about why I didn't receive and e-mail or a text, they said that the e-mails and the text were deleted instantly. I strongly feel suspicious about this activity, transferring to the same person at the same time frame, and deleting all e-mails and texts, the Bank however should have sent all corresponding e-mails, that they've received or sent, instead of telling me that it was instantly deleted. This is highly evident that I've been a target to fraud, and the bank is not cooperating or launching a real investigation with all the their tools and means of investigation. 

In conclusion I lost XXXX USD through unauthorized transfers from my checking account. I hope you can help me to recollect my money back. 

Best Regards, 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 2023-07-23
Company: Experian Information Solutions Inc.
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:
These addresses are not mine. I have never lived at XXXX XXXX XXXX XXXX Georgia ( this is my sister XXXX XXXX address ) nor at XXXX XXXX XXXX XXXX  XXXX XXXX Georgia this is XXXX XXXX address. Im dealing with identity theft connected to both addresses and the credit bureaus have refused to delete them because they are connected to accounts, but the accounts are fraudulent

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 2023-07-07
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I do not know how this is on my credit. I was barely XXXX and the CARD ACT strictly says that i must be with cosigner in order to have a credit card which is why i cant get one now. This says i opened this in XX/XX/XXXX - in addition it says in order to have a credit card you have to prove you can support your self, but i still to this day live with my mom, i have not had a job at all and only go to school, i have an allowance of {$20.00} dollars per week IN NO WAY DID I EVEN KNOW I HAD THIS CARD OR APPLY FOR THIS CARD OR USE THIS CARD, I DEMAND THIS REMOVED FROM MY CREDIT REPORT. I AM STILL LIVING AT HOME, BUT I PULLED MY REPORT TO SEE HOW TO LEARN TO START BUILDING CREDIT AND I FOUND THIS ON THERE I DEMAND IT REMOVED I DO NOT OWE YOU MONEY AND IF YOU SENT ONE TO ME THEN HOW IN XXXX DID I NOT KNOW BECAUSE I COULD NOT HAVE BEEN APPROVED THEN AS I WAS XXXX YOU ARE BREAKING THE LAW AND THE CARD ACT OF XXXX SAY YOU CAN NOT APPROVE ME REGARDLESS SO WHO DID YOU GIVE THIS CARD TO REMOVE THIS OR I WILL GO TO XXXX, NEWS STATIONS AND ATTORNEY GENERAL I AM A KID STILL AND YOU RUINNED MY LIFE BEFORE I EVEN GOT STARTED I WILL ABSOLUTLYE FIND A LAWYER AND SUE IF NOT REMOVED IMMEDIATLEY AND I WANT PROOF ITS BEEN REMOVED WITH OUT ANY FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, Waypoint resource group : XXXX, XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: SC
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 accounts XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, has XXXX XXXX XXXX XXXX 

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