BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : 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 2023-02-26
Company: EQUIFAX, INC.
State: OH
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:
OHIO DEPT OF HUMAN SERVICES  XXXX, Has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Early Warning Services, LLC
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:
PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication.

You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates.

2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report.

3. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

FInd Attached the letter from XXXX  XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank 's online mortgage payment is system is ERRONEOUSLY and sneakily adding a late penalty before the payment grace period. I have 2 mortgages and this is happening when I pay both of them. THIS MUST be a system wide trick or egregious error meant to take advantage of customers. The screen does NOT show any penalty YET the amount includes it. Per US BANK 'S own mortgage statements, the late fee MAY be charged after the XXXX day of the month ( when the payment is due on the XXXX of the month ). I just paid these 2 mortgages on the XXXX, and the late fee was sneakily applied to the payment amount without any transparency as to why and it should not have been added at all per their statement language " If received after XX/XX/2023, {$54.00} late fee may be charged. '' None of my payments have even been LATE.

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 2023-02-22
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Communication with XXXX XXXX frequently involved being placed on excessive hold time. 

XXXX did not issue an email verifying payment in full and deletion of the account within the period of time they reported they would.

I was told to expect this email with receipt of payment within 1 to 2 hours. I contacted the company after 2 hours had passed to inquire where my receipt of payment was. They placed me on a hold which at the time of writing this complaint is XXXXXXXX XXXX long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The Credit bureaus stated the account was thoroughly investigated but how is that possible if these two accounts XXXXXXXX XXXX  and XXXX XXXX were deleted from my XXXX consumer report after a thorough investigation as you can see in the attached document of my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed {$600.00} from a party through XXXX. I paid for a puppy and the seller gave me a false address and information. XXXX will not help me because it was sent as a friends/family transfer.

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 2023-02-22
Company: Grant & Weber
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Back in XXXX XXXX I had submitted a complaint with you guys regarding a medical bill with XXXX which they sent it to XXXX and XXXX , which I sent XXXX and XXXX numerous emails regarding this debt. XXXX and XXXX, I believe dropped the debt and I never heard from anyone, including XXXX and XXXX regarding the debt. I did email them with the email they provided in my former complaint. Now, 4 months later, I was sent the same debt but from a different debt agency. I assumed the debt was dropped. I was told that the same debt can't not be sold twice from 2 different agencies. this is a HIPPA violation because I never signed a form stating they can release this information. Although, I haven't contacted XXXX in a while, no one attempted to contact e regarding this debt within the 4 months after I sent a complaint with you guys.

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 2023-02-12
Company: Happy Money, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received an inquiry on my credit from XXXX 
And immediately contacted the company notifying them that the information they had was stolen. Asked them to stop the loan process immediately because I had not requested a loan from them. They ignored my request even though my credit had been flagged as fraud. This appears to be an end of the month quota case by refusing to cooperate. I called them several times with a detective and they assured me that it went to fraud and my account was labeled fraud. 
Now I have a {$25000.00} personal loan charged against me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX I opened an account with Ally Bank, there was a promotion of 1 %, I put XXXX in the account and never received the {$100.00}. I have been told that they payouts started and mine would be in by XX/XX/XXXX. No payout at this time. Customer service had stated they had issues and since its less than 24 hours with no response to place the bonus in on the money that was kept through the promotion deadline XX/XX/XXXX and still there.

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 2023-02-21
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On multiple occassions, XXXX XXXX XXXX XXXX and Radius Global Solutions, these collection agencies have violated my agreement to take a single payment towards a debt that they are trying to collect. They have taken both more than the amount agreed to ( in writing ) and processed payments when they were not authorized to do so. This illegal activity has caused my bank accounts to be overdrawn- which these companies are now threatening me with more legal action due to the NSF incidents that they caused. 

Their approach on the phone is aggressive and threatening. They are calling me everyday when they have been told to stop harrassing me. 

The harrassment began in XX/XX/XXXX and has continued as recently as XX/XX/XXXX. 

The firm XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX and was responsible for the unauthorized charges to my bank account in their attempts to collect a debt. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NH. XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX Then, on XX/XX/XXXX, the firm Radiuis Global Solutions began harrassing me about the same debt. Their contact information is : Radius Global Solutions LLC XXXX XXXX XXXX XXXX : XXXX Office XXXX Fax # XXXX These firms appear to be the same company with the same main office and fax numbers. They are representing to be different companies and are causing a lot of confusion to an already stressful and scary situation. 

Additionally, both firms has repeatedly called me ( daily ) and have not left voice messages. This constant barrage of calls is intimidating, even after I have told them I am unemployed and unable to make the large payments they are demanding. 

Most recently, they have threatened me in an email to take further legal actions against me- asking for my attorney 's information to take the situation further. 

They have threatened me with state law penalties for the continuing issuance of NSF Payments- which they are the cause of from unauthorized attempts to collect a debt and have placed economic restrictions to make any payments by removing the option to pay by check. They are threatening me that I am committing a crime by not paying these charges. 

Most recently, they sent an email explaining they 'found more bills ' that I owe from other companies that are not related to the original debt. I feel overwhelmed by how they are threatening me with even more legal actions without providing any proof of debt or proof that they are allowed to collect on behalf of the vendor. I didn't receive notice of right to dispute and I didn't receive enough information to verify debt. These newly presented bills are very old debt.

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 2023-02-21
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, paypal permanently banned me from their site and refuse to release my balance for 180 days. They are also not allowing me to remove 2 of my payment methods, I wish to rescind their permission to store both. 

" You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. '' Was stated in an email sent by paypal. I do not have a business in which I sell items and receive payment via paypal. I do not have any open cases or disputes either. I received refunds which they have an issue with. 

I sent paypal what they asked for which included a photo of my ID twice since XXXX. I also provided them with screenshots pertaining to two transactions. 

My paypal balance is {$140.00} and less than {$3.00} in btc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: IN
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 records 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 XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX Balance : {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 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 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 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 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 2023-03-12
Company: EQUIFAX, INC.
State: NJ
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 noticed a company called XXXX XXXX was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company XXXX XXXX still reporting different information to 3 credit reporting agencies without validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, XXXX, Experian and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 u.s.c 1681 section 602 A. states i have the right to privacy.

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

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
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 an open end consumer credit plan as late for d purpose.

Company response to consumer: Closed with explanation