BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: NY
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:
XXXX   is reporting  XXXX  negative amounts that are al l 7years o r more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow   XXXX    XXXX   XXXX   ... .30 day  late  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX  C  XXXX   XXXX   ... ...    Collection   XXXX  ... I have no idea who this company represents  XXXX   XXXX   ...  ... ... ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he   XXXX    XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-10-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I went to deposit cash into my brothers Checking account at 5/3rd Bank. When I walked up to the teller, I handed her the deposit slip and the cash. She asked if I was on my brothers account. I said, No. She then proceeded to ask me for ID so she could make a copy for their system, and she asked me for my SSN, My Occupation & my Cell Phone Number. I told her I was not comfortable giving her all of that information as I DO NOT BANK with 5/3rd and I didnt feel comfortable giving them my information to hold in their system. I asked her why the bank required this information? She could not answer the reason why. I asked her, what if there is a data breech? I dont even belong to your bank and now you have my nppi in your system. She laughed it off and said, yeah like XXXX XXXX that just happened to? I didnt find that a joking matter. She told me that she could not accept the deposit unless I gave her that information this was a rule from corporate and shes just doing her job. I ultimately had to give her the information in order to make the deposit. I made the deposit and I left. I called the corporate office and asked to speak to someone who could explain to me why they require my personal, non-public information in order to make a deposit? The women at the corporate office could not answer my question and refused to connect me with anyone who might know. She said that must be a branch rule. I said how could collecting that kind of information be a branch rule? They are inputting into your corporate system? I asked her multiple times to please transfer to someone who knows the banks policies. She refused. This was the 5/3rd Corporate Number I dialed ( XXXX ) XXXX and pressed 0 for the operator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

TRANSUNION : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 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 2022-10-06
Company: SCA Collections, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SCA Collections XXXX XXXX I attempted to call and pay a debt but was then informed I had debts that do not exist that I had to pay. All for things I never heard of or was a party of.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-06-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Date repor ted :  XX/XX/2014  U.S Bank Operations Center   XXXX   XXXX  , MN  XXXX  Account ending :   XXXX    Social  XXXX  The financial Institution has reported me to  XXXX  and I am unable to open accounts at any bank do to this. The a ccount in my name was abused and fraudulently opened by an ex- girlfriend with access to my accounts to support her own downfalls from a bad break up. This was reported on my behalf several times and I have disputed the matter and still have not received any support or help to remove this item. I have no clue or what the abuse or if any amounts are due that I feel I am no liable for at this time. Any assistance would be greatly appreciated!

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 monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, 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:
id theft victim XXXX XXXX collection XXXX not mine Us bankruptcy Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX XXXX   never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
my name is XXXX. I succeeded my mother. I am writing to you because SPS is try to schedule a sale. I have a complete short sale application pending with SPS. I would like SPS to cancel the hearing for tomorrow to schedule a sale date. SPS is dual tracking and that is a violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: MO
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:
Today is XX/XX/2021. I mailed out letters to XXXX, XXXX  and Experian on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, XXXX, or Experian also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to dispute some information that I believe was added to my credit report without my knowledge or consent. These are potentially the results of identity theft and should be blocked and deleted from my report immediately. The details of these accounts are as follows : - 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, with a reporting balance of {$2200.00}. I WISH TO EXPRESS THAT I DID NOT OPEN THESE ACCOUNTS, NOR HAVE I AUTHORIZED ANYONE TO DO SO ON MY BEHALF.

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 2019-12-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contacted XXXX on XX/XX/2019 to dispute amount on report XXXX $ not the same amount on other credit reports acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contacted transunion on XX/XX/2019 to dispute amount on report XXXX $ not the same amount on other credit reports acct number 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 2020-04-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I filed a dispute with Equifax about inquires that I did not authorize on XX/XX/2020 and on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX XXXX Bankruptcy Case Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXxxxx 4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: NV
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 have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Affiliates Management Company
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The item currently in dispute is a MasterCard that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record untilXX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXXI provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was onXX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday afternoon, XX/XX/XXXX and Monday morning, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent MasterCard and to advise them that the information from their investigation is inaccurate. I am requesting that ATIRAcredit, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

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 2022-10-06
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JMS Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today starting around   XXXX   we started getting calls from   XXXX   XXXX   XXXX     XXXX  . Our bartender answered the phone told this man the owners and managers where not available at this time and if he would give her is name and number she would give it to us when we arrived. He would not just give her his name he was sarcastic and wanted all of her information. She is an employee and this was unnecessary on its own. She gave it to him and after continuing to ask her questions and her telling him she could not help and was very busy, rudely gave her his name and case #  XXXX . As soon as I arrived ( manager ) I called him and started by relaying how inappropriate his conversation was and if he needed something to put it in writing to us. He was extremely aggressive and intended on pushing buttons so I told him to just give me the debt information which he never did. I told him not to call and he not only kept calling but calling and threatening to take myself, the owners and bartender to court. Calling me uneducated trash and trying to get my personal information which he has not rights to. I finally called the police they came in and tried to call he would not come to the phone. The police left ( luckily only as far as his car ) and   XXXX   called again and I had to go to the car and get the officer to come in and handle him. The entire time we waited for the Police to come back in " he was on the phone with his boss '' this man tied up my business line and proceeded to push all of my buttons. He threatened my employer, my staff and my self and I do have plenty of customers that listened to it as he did it.. The officer told him if he had a concern to put it in writing and stop calling us. I was only able to get the name of his company by looking up the phone number on  XXXX . It is JMS Associates Contact Information   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Local   XXXX   XXXX   XXXX   XXXX    Toll Free   XXXX   XXXX   XXXX   XXXX   Fax  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Got a XXXX pre paid card for my birthday that I used once and now is completely inaccessible as every time I try to use it the pin is wrong and the card is declined. The other cards I got did not have this issue and the customer service line was nothing but prerecorded non-sense with no pertinence to my situation. Im aware of the stipulation that the first pin entered for the card acts as the cards pin but I didnt put an employee ran the card and I dont know what happened from there for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Beginning on XX/XX/XXXX through XX/XX/XXXX, Caliber Home Loans has not sent me a refund check from my escrow check. Caliber Home Loans claims that an escrow check went on XX/XX/XXXX. However, Caliber Home Loans did send me a payment summary on XX/XX/XXXX and mailed it on XX/XX/XXXX without a refund check from my escrow account. I received this payment summary on XX/XX/XXXX. Caliber Home Loans continues to be deceitful throughout the escrow analysis process and refuses to address the interest on the money they withheld for 6 months. I also noted that the payment summary on my escrow summary does not show that a refund will be issued from my escrow account. See attachments.

Company response to consumer: Closed with explanation