BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US DEPARTMENT OF EDU XXXX Balance {$5100.00} ; US DEPARTMENT OF EDU XXXX Balance {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX  via CREDIT CONTROL for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2022-07-30
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Company has called me over six times in one day, multiple times in an hour. There is then nobody on the call when I pick up. This is extremely disruptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on DATE without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXXXXX XXXX  for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX please remove fraudulent/ unauthorized closed account off my report or provide proof in writing within 30 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 non-monetary relief
Consumer complaint received 2022-09-02
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 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 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 2022-09-27
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo locked me out of my banking back in XX/XX/2021 for reporting to them that I had an unknown charge on my business account from them. They didn't allow me to have access to these accounts anymore now I have lost almost {$3000.00} due to them locking away and taking my money. Luckily, that wasn't the only bank I banked with but I did lose a lot of money from all of my accounts with them.

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 2022-07-30
Company: EQUIFAX, 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:
I sent a letter onXXXX XXXX to CREDIT bureau ) to remove XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after thXXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; and XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
They did pay my home owner 's insurance. They said they tried to contact the company with my homeowners insurance but they could get anyone. But I did when I contacted them. By them not paying my homeowners insurance, it got canceled. They told me that I should have let the insurance company I had switched over to Rocket mortgage. Now they had added their insurance amount to my mortgage payment. It from {$840.00} dollars a month to {$1000.00} dollars a month. And this has put me in a financial bind. The whole process of refinancing my home was to lower my mortgage monthly payments. But the reverse has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt for months directly with the creditor and all three credit bureaus. This debt does not belong to me and a result of me being homeless in California. This is affecting my life and all they provide is contracts with signatures that don't belong to me. 

When you rent an apartment you must provide check stubs, photo ID, and bank statements. They have yet been able to provide me with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Their investigation did not fix an error on your report

Complaint:
All 3 credit bureau specially XXXX told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.

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 2022-09-27
Company: EQUIFAX, INC.
State: MD
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
Upon checking my report I encountered a few mistakes on the report. 
These are accounts in question : XXXX  XXXX Account type : Revolving XXXX XXXX Account type : {$0.00} XXXX  XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} In accordance with the Fair Credit Reporting Act XXXX  Accounts number XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 Section 602A. states that I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-07-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I notified 5th/3rd bank that checks written in XXXX had not posted and I feared they were involved in washed check fraud on checks stolen out of USPS mailboxes XXXX I was advised by a 5th/3rd employee to place a " lost check '' STOP PAYMENT on the checks and this would stop them from being processed by the bank. The hold was placed on XX/XX/2022. 
On XX/XX/2022, I checked my account and {$17000.00} was missing. A check had indeed been washed and 5th/3rd paid over the stop payment. The washed check was dated and negotiated on XX/XX/XXXX. I notified 5th/3rd at XXXX XXXX  on XX/XX/XXXX of the fraud but was informed it was too late to take action because XXXX XXXX XXXXXXXX had paid out cash on the check. 
5th/3rd has refused to accept any responsibility for paying over the stop payment. There is a fraud claim between 5th/3rd and XXXX. The only information I have received is that it will take 30 to 180 days to process. Why are these mega-banks allowed to deny their responsibility for allowing the fraud while the customer who tried to stop the fraud is penalized and not even able to check progress on the claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online. I called the customer service line and they put me on hold, came back told me my account was closed couldnt give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. I explained how I'm not okay with this because it's my life savings and $ XXXX. They said there was nothing they can do. I then chatted their system online and they said that it was " blocked not closed '' and they would fix this and that the people over the phone shouldn't be saying that ( I've attached the images ). 
I then talked to someone over the phone that seemed actually really helpful. They said the same thing and talked to their team and then verified a XXXX  transfer I made from XX/XX/XXXX to a XXXX  account I have. They said that was the issue, now I could call XXXX and open a new account and have my funds transferred immediately to those accounts. 
I called and explained to that person and they said my account said only to in person branch, the nearest in person branch is in XXXX and it's a 4 hour drive from where I live. They said they couldn't do anything and then I asked to talk to a supervisor. They transferred me over to a fraud supervisor ( employee ID : XXXX ) and he said his name was XXXX and the only option was to go to the branch. I said I couldn't do that and I would keep trying to find other alternatives. He was not helpful at all and said that it was closed and I would receive a letter and check 30-60 days.

I called back to customer services which I've been on with all day and I'm still on hold because they said the only option now is to wait the 30-60 days to receive a check, I feel like after I called many different people they really changed my options. I've heard so many different things and feel like I've been given options and then them taken away. There is no fraud, everything I've done was legal and I can't wait for that long to have my life savings by check in the mail. 

How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. Im just supposed to sit here and hope and wonder when I get a large amount of my money?

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 2022-09-27
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I requested for Edfinancial to refund me my student loans, per the CARES act. They did not provide any type of nonverbal confirmation of my request, and stated that it could take over 160 days, but with no specific timeline, which in either case is significantly longer than competitors processing time of around a week or two. I would like for my student loans to be refunded in a timely manner.

Company response to consumer: Closed with explanation