BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Social Finance, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link one of my external accounts to my SoFi Bank account. 

I got all the way through the process. Received a green check from the SoFi application indicating the account has been successfully linked. However I'm not able to see the linked account. Customer service seems to indicate they can see the account but I can not see it in any customer facing view. Screenshots attached of my 5th attempt. 

Also I'm not awarded the necessary points for linking an external account. I've contacted customer service who opened a ticket. No communication was provided to me and the ticket was closed with no issues found. 

The issue is still not resolved. One agent today told me that everything was resolved and I should just try again. That didn't work. I had to call in twice today, XX/XX/22, and have a brand new ticket filed because they are unable to re-open the first ticket. 

Rather than just closing a ticket and not solving the issue, I need the issue to be resolved and the points to be awarded. 

I feel I'm getting subpar customer service with issues not being addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Rocket Mortgage to inquire about a HELOC and specifically asked them not to run a hard inquiry on my credit, but only give me general information. While on the call I got an alert from XXXX XXXX and from XXXX that there was a hard inquiry on my credit about a mortgage refinance. I then asked about it and the representative lied and said he didnt run a credit check. I then read the alert to him out loud and he then admitted to doing to and said he was doing me a favor. I asked for his boss and he put me through to his director who said he would look into it, and call me back the next day. He hasnt called me back. He also claimed he could and would undo the hard inquiry, but didnt do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS has mail letters for years. I consider that MAIL HARASSMENT! FOR THE RECORD, I STATE AGAIN THAT AS I HAVE NO ACCOUNT WITH YOU, NOR AM I YOUR CUSTOMER, NOR HAVE I ENTERED INTO A CONTRACT WITH YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/2022, I was made aware of eight fraudulent charges placed with my debit card to my checking account with Ally Bank. The total of these charges came to {$970.00}. 

My Ally debit card has been " locked '' from use via their app for several months, but somehow these charges all went through and drained my checking account for almost {$1000.00}. 

I contacted Ally Bank on XX/XX/XXXX and opened a dispute on two of the charges that had already posted to my checking account. 

As of today, XX/XX/XXXX, all eight charges have posted to my account and I've disputed all of them. Only three of these fraudulent charges have been credited back to my account. I'm still out {$570.00} and waiting to be credited. 

This has been a frustrating experience compounded by Ally 's increased phone support wait times consistently being above 60 minutes. A quick search on online forums show I'm not the only customer that's recently experienced multiple fraudulent charges, and yet Ally has remained silent and not acknowledged that a good number of their customers have been impacted. 

I've been with Ally for over 5 years, but in this case Ally has been no ally. It's definitely time to look at other banking options.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: KY
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:
15 U.S. Code $ 1681c-2 and Section 605B, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account # XXXX Account # XXXX Account # XXXX My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX and # XXXX has failed to provide a valid wet signature or 1099 C form sent to me. The status of each account should be closed due to required deletion as the debt is not mine. These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! This process through CFPB has documentation proving that Experian, XXXX and XXXX have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.

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 2023-08-04
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fraudulent activity on my credit report i don't recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX, The Bureaus Account number XXXX, XXXX XXXX XXXX Account number 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 602 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordannce with fair credit reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2, It states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  name 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 : its 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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud complaint ( reference # XXXX ) three weeks ago and Chase has failed to perform their duties per the procedure of filing a fraud claim. Chase bank has made a false report that I did not dispute a charge on my account that was similar to the charges filed on my claim and used this reason as primary justification for denying my fraud claim. After speaking with a representative four weeks ago, the representative proceeded to re-file the fraud claim based on Chase banks back offices lack of careful attention to detail to their error in making an allegation that I didnt dispute similar charges when in fact I did as the representative noted. The fraud claim was denied again after Chase bank back office making a false allegation that I made the charges or was aware of them due to providing a pin. This is a patently false allegation for the reason that these charges reflect a transaction of XXXX XXXX  purchase which could have only been made online, which doesnt require a pin to be entered. When explaining how the back office was erroneous in their decision to deny the claim to the third representative I spoke with two weeks ago, he proceeded to tell me that I needed to present documentation in order to get the fraud claim filed a third time. I faxed in documents sent from XXXX showing that my name wasnt on the reservation and further added I did not recognize the person who made this transaction with my debit card. Chase Bank has to date has failed to meet its obligations as a bank and financial institution and is apparently depending on a back office that isnt competent enough to make good decisions for the company nor represent it with integrity. With that said. My account remains in the negative and I still have not received a deserving positive credit to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: LA
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, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 2022-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Form 1040 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-23
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # 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

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 2021-08-02
Company: Lockhart, Morris & Montgomery Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.

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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please remit my 1099-C so I can properly do my tax return. Once received please send the completed 1099-C to XXXX XXXX and the treasury. Also send documentation that you sent the 1099-C over to the treasury. Also, send back all legal tender because that is not a lawful form of payment. The securities you accumulated from the asset backed note should take care of that. The obligation of debt goes to THE UNITED STATES OF AMERICA. XXXX XXXX signature on the document also proves that the debt is already paid for. This was not expressed to the entity upon signing. If you dont understand please read the emergency banking act of XXXX and Indenture Trustee act of XXXX. Do not take any adverse action or lawful action will be taken. Respond as soon as you get this preferably within 7-10 business days. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received email from debt collector on XX/XX/XXXX regarding a XXXX bill in the amount of {$200.00} and they are willing to settle for {$110.00}. The email contained the name of the creditor and DBA, account number, amount owed, and name and address of debtor. 
I am not this person, but familiar with whom he is. He passed away in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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

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