BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2022-08-01
Company: Williams, Rush & Associates, LLC
State: TX
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:
A debt collector named WILLIAM RUSH & ASSOCIATES has been in contact about an alleged debt. There is no contract between XXXX XXXX and WILLIAM RUSH & ASSOCIATES. There has been no proof as to why I am being contacted. WILLIAM RUSH & ASSOCIATES has only shown me an alleged contract from another company and no where on this paper is WILLIAM RUSH & ASSOCIATES listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from WILLIAM RUSH & ASSOCIATES. I have also given notice to XXXX about this identity theft. I submitted my identity theft report to XXXX with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done.

I demand a debt validation as it pertains to the FCRA from WILLIAM RUSH & ASSOCIATES, with a wet ink signature. If this can not be I demand the removal of WILLIAM RUSH & ASSOCIATES from my credit report. 

I demand XXXX to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I went to U.S. Bank XXXX branch at XXXX XXXX XXXX, thinking to open a bank account, choosing this U.S.bank because of its convenient location and close to my home. 

Customer service representative XXXX XXXX XXXX greeted me, after knowing that I want to open a new account, she presented a promotion flyer to me. The promotion is that new customer can earn up to {$500.00} by opening a new qualifying account and enrolling in online banking or mobile app, then completing 2 or more direct deposits within 60 days. I still have this promotion flyer together with other new account paperwork. I can provide this promotion flyer if needed for investigation. 

XXXX helped me set up a new account and downloaded mobile app and online banking. I set up direct deposits in the following days back home. Within 60 days, more than 2 direct deposits have been completed in my new U.S. bank. 

But as of today XX/XX/2022, U.S. Bank still did not deposit the {$500.00} bonus into my bank account. I already contacted U.S. bank but U. S. bank refused to honor {$500.00} bonus.

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 2022-09-28
Company: AFNI INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AFNI , INC DATE XXXX XXXX In accordance with the fair credit reporting act 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 an open end consumer credit card plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America totally disregarded my objections to being transferred to XXXX who are known bottom feeders. There was absolutely no reason for this transfer other than it was done based on my XXXX  It appears that Bank of America allowed XXXX a look at my loan, XXXX late payments, credit score over 800 I am a A+ borrower. 
" Homeowners are often transferred to XXXX once they become delinquent on their mortgage payments. Many lenders try to protect their brand when it comes to foreclosing on homeowners. '' The information on XXXX only get 's worse. Being with Bank of America since 2005 and having a excellent record leads to me to believe there is a quid pro quo when he comes to XXXX  and the transferring of their loans. The mortgage industry is well aware of the top tier mortgage companies, XXXX is not one of them. This is a way of identifying subprime loans in the industry, which my loan is not. This XXXX intrinsic and bias behavior is unacceptable and requires an investigation.

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 2022-09-28
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SELF FINANCIAL INC/ LEA ACCOUNT NUMBER XXXX DATE XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX SELF FINANCIAL INC account XXXX 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 an open end consumer credit card plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : -XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
I am a natural person, am a living human being, have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX bal {$160.00} 2 ) XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$400.00} 3 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX balance {$110.00} 4 ) XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$520.00} 5 ) XXXX XXXX account number XXXX 6 ) XXXX account number XXXX balance {$7600.00} date opened XXXX 7 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$2200.00} 8 ) XXXX XXXXXXXX XXXX  account number # XXXX date opened XX/XX/XXXX 9 ) XXXX XXXX XXXX Account number # XXXX 10 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
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:
Due to my identity previously being stolen fraudulent accounts periodically appear on my credit report. The account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
JPMORGANCHASRE BK NA and its associates XXXX XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. 

Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. 

They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. 

They also set up a separate company to handle the property taxes as part of the cooking of the books processes. https : XXXX XXXX/ Note XXXX seems to be this years new number of increases to monthly billing. 

Please see prior complaints # XXXX and XXXX They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the capitol building. Unknown, Unconfirmed, Unverified. 

JPMORGANCHASE BK NA role is they refused to tell me who they paid this amount to see canceled CK attached. That XXXX XXXX said in its responses to complaint XXXX that they as of XXXX XX/XX/XXXX 22 did not receive and payment for the shortage and/or the cashiers CK attached to that complaint. 

So, either they are not being truthful or JPMORGANCHASE BK NA allowed fraud to occur and some other entity other than the named entity on the cashier 's check to cash it. The Cashier 's Check pay to order was XXXX XXXX the check was cashed on XXXX XX/XX/XXXX22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is in violation of selling my debt to a collector which continues to harass me for money I don't owe I wish to have this removed from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$260.00}

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 2022-08-01
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 fraud alerts or security freezes

Complaint:
There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at XXXX, Experian & XXXX credit bureaus.

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 2022-09-28
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, 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 2022-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at XXXX, XXXX & Equifax credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Hillcrest Davidson & Associates
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: Account information incorrect

Complaint:
I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation