BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
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:
It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 non-monetary relief
Consumer complaint received 2017-10-18
Company: Commercial Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2017 Phone call transcript. 
Called from XXXX Hey not bad. 

Yes file services notice for XXXX XXXX -- XXXX XXXX this is the Office of XXXX XXXX XXXX calling -- again I was asked to contact you in regards to a complaint we received with allegations attached we need to get a formal response from you -- this to be in the office today until XXXX XXXX -- at that time are gon na submit this back to the client the client is going to requested to be scheduled for hearing -- had a verification of employment paperwork will be issued out for your signature -- if you have any questions or concerns would like to submit a formal response or take advantage of mediation services my office provides I XXXX 's he 'll be your last chance to respond to this matter through my office -- contact ( XXXX ) XXXX -- S to speak with XXXX at XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-07-01
Company: LEXISNEXIS
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 am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information it has been over 30 days and i still have no response. 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. The following information therefore needs to be re-investigated. 

Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1500.00} I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2021-07-09
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I worked there for over 5 years. They made us put the insurances on every loan we booked. It made me feel uncomfortable and I felt we were deceiving the customers by not going over this before they came in. If the customers paid attention and complained we would remove them and rebook the loan. That isn't the point. They already charge 25 % interest. Don't they make enough off of that?? That is all I ever heard was how much money they made off the " extras. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2020-06-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I, XXXX XXXX, and my friend, XXXX XXXX, went on XX/XX/2020 to bank to create a checking account. I had decided to create the checking account for my self, due to a referral coupon that my friend XXXX had sent me. The coupon is attached to this message. Upon arrival at the bank I went through the process of creating the account and showed the banker the email for the coupon off of my phone so that my friend could receive his {$50.00} referral bonus and I could eventually receive {$200.00} after completing the terms of the offer. 

After creating the account, applying the coupon, and leaving my friend noticed that he has not yet received the account credit. He waited a few days and then contacted chase through the online banking chat portal. The chat representatives informed him that they are unable to help him and that he would need to go into the bank. However, the banks around his house were all closed/on limited hours due to the corona virus pandemic. 

As a result I created an appointment with the original bank I created the account with in order to resolve the issue, as I had not received the {$200.00} coupon bonus for completing the terms of the agreement. The original banker was that there, another employee informed us that she was unable to find any records and that she could not help me. 

After leaving the original banked called me to inform, he told me that if I had showed him the coupon he would've put it in and that he would be unable to help me. I can guarantee you I showed him the coupon, directly from my email on my phone, and since I opened the account with my friend he is willing to serve as a witness that I had done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America ( BOA ) refuses to remove PMI from my loan. I borrowed {$280000.00} in XX/XX/2019 against a property that was valued at {$320000.00}. 

The property is know worth, {$380000.00} and I owe BOA {$270000.00}. I loan balance is now far less than the loan to value ration of 80 % and they refuse to accept a valuation or to remove my PMI as the loan was originated less than 2 years ago. 

This is unreasonable and flies in the face of the reason why PMI is required. I would like assistance is having the PMI removed.

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 2019-07-24
Company: Exeter Finance Corp.
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/XXXX I sent a letter to Exter Finance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Exter Finance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ALLY FINANCIAL INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ally Bank received an ACH from XXXX in the amount of {$520.00} on XX/XX/2020. The account it was sent to was closed in XX/XX/2020. Ally has not returned the money to XXXX yet and XXXX will not reissue the money to my current bank account until they receive an official rejection from Ally.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Account # XXXX XXXX  Account # 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 2019-07-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Terminated cell/internet/cable tv service with XXXX but they billed me anyway. Refund letter from XXXX office of President states I will receive refund of {$77.00} because I actually paid for a month I should not have paid for, and they agreed. I never received the refund of {$77.00} they promised, and XXXX will no longer respond to my enquires via email or voice message ( the same methods I had been using to communicate with XXXX ). Instead of sending me the refund as promised XXXX turned me over to a collection agency named DIVERSIFIED CONSULTNTS in XXXX, FL for allegedly not paying a bill {$73.00} that I have no idea what it is for. However, I've always paid XXXX in-full and on-time. I do not owe XXXX anything and in fact they still owe me the {$77.00} refund ( copy of refund promise from XXXX is attached ). My credit score is suffering, I feel like I've been damaged because of XXXX fraudulent billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I LOST MY WALLET BACK IN XX/XX/2017 SOMEONE FOUND IT AND USE MY NAME AND INFORMATION ( IDENTITY ) TO OPEN UP ACCOUNT WITH 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 2017-10-18
Company: Performant Financial Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
On X/X/17 I mailed the company a letter stating the following : Upon review of my current credit reports, it showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I authorized it. I did not apply for credit with your company nor did I give you authorization to pull my credit report. 

The company responded that they were authorized to access my credit report resulting in a hard inquiry because they received a delinquent student loan account from their client, XXXX XXXX XXXX. Not only have I not heard of XXXX XXXX XXXX to confirm that they were ever an owner of my student loans, but Performant was unable to provide me with proof of me having an account with XXXX  that was subsequently transferred to them, naming them the legal owners of the account. Therefore, Performant is illegally accessing consumer 's accounts. This was an unauthorized inquiry, and it needs to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited cash amount of XXXX into Wells Fargo atm at XXXX on Friday XX/XX/2022 My money was jammed and my deposit didnt show up in my account. I got a receipt stating that the atm was out of order and was only credit a XXXX. The receipt said to wait 1 to business days for my funds to appear in my account. I immediately called the bank and filed a claim. Its been 6 days and I still havent received my funds

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 2021-07-23
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Good morning, On XX/XX/2021, my car was struck by a vehicle. I filed a claim with the drivers insurance company, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX deemed my vehicle a total loss. XXXX contacted my leinholder, Westlake Financial to obtain the payoff amount on XX/XX/XXXX. Westlake Financial released my financial information to XXXX with my consent or granted authority, on XX/XX/XXXX. 

I contacted Westlake Financial the morning of XX/XX/XXXX and was offered no information regarding their authority to provide my personal and financial information to any parties. This has caused a significant stress on an already adverse situation regarding my health and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never even heard of this company in my life this was also on my police report that i sent to all the credit agencies. They all took it off and then about a year ago XXXX put this back on. once again with know warning or didn't even explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NC
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 Account # XXXXXXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my fourth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX   & XXXX XXXX ) 3. ( XXXXXXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX &  XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate  this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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