BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX sold Jefferson my information and Jefferson reported this every month like a new account. They are aggressively demolishing my credit that XXXX bill was old by my ex-wife cause I had no clue a XXXX bill ever existed. When I did call Jefferson to dispute this I was giving another number to another company they are selling my information without my consent. I do have rights against that selling my information like social security number put me at great risk for fraud I don't owe this debt and I'm not responsible for this debt and I don't have a contract or signed any paperwork for this debt with Jefferson or the people they sold it my information too. Legal action will be taken if this debt that don't belong to me not taken off my credit report selling my information without my consent is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-05-28
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:
In accordance with the Fair Credit Reporting act, DEPT OF XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : Experian Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date XXXX XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( 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 explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX- Is not reporting on this account XXXX - Account Name - XXXX XXXX - XXXX Transunion - Account Name - XXXX XXXX - XXXX XXXX is reporting the account name as XXXX XXXX. Transunion is reporting the account name as XXXX. XXXX is reporting the Agency name as XXXX XXXX XXXX Transunion is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXXs reporting the status of the account 120 Days late twice, XXXX is reporting the status of the account as 180 Days late, and Transunion does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. XXXX is reporting the last date of activity as XX/XX/XXXX, XXXX is not reporting the last date of activity, and Transunion is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

XXXX, XXXX and Transunion reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX 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 plan as late for purpose.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As of XX/XX/XXXX Credit bureas and XXXX XXXX  claimed they did an investigation but that can't be possible when I never have THEM WRITTEN IMSTRUCTIONS to do so All companies involved are in violation of the law!!! 
XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
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 und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage account is in the name of my Wife XXXX XXXX, the deed is in the name of XXXX XXXX and myself XXXX XXXX In a nutshell-Mr Cooper bank sent my loan mod approval to an atty ( XXXX XXXX ) I had already fired. XXXX XXXX kept the information too long thus causing me to sign the papers late and therefore Mr Cooper bank declared that I turned down the loan mod. and bank would not reconsider. During this process of getting the documents signed by XXXX XXXX, I SPOKE TO I think XXXX XXXX by tel. who approved a 30 day extension from the day we spoke and arranged for a notary to come to our home for the signatures. 
The notary came to my house to acknowledge the signing ( by my wife ) and in turn would retain and submit the documents to Mr Cooper. Begs the question- why send the notary to my house for signatures if the docs are not to be accepted??? 
The longer version : In XX/XX/XXXX I called XXXX XXXX XXXX to say that we would be hiring a new atty because we felt he was incompetent and he was not aware that my property had a foreclosure date pending in 3 days while he was in the airport to go to XXXX XXXX. I hired a bankruptcy attorney immediately. 
We called Mr Cooper bank when the Bankruptcy was complete around XX/XX/XXXX to start a Loan Mod. We were assisted by XXXX ( a non profit ). The package was quickly submitted, During the approval waiting period on many occasions Mr Cooper bank was constantly notified by telephone that XXXX XXXX was not representing us and there was no atty. This had to be done many times because it would ALWAYS come up on conversation when my wife and I called the Mr Cooper bank. Even as far back as XX/XX/XXXX the Bankruptcy atty was in XXXX with Mr Cooper bank, so I XXXX XXXX. The bank at the time was Nationstar ( now known as Mr Cooper ). dont understand why the Mr Cooper bank went back to contacting XXXX XXXX XXXX. ( the non Bankruptcy atty ). On preliminary approval Mr Cooper bank dictated the pymt amount and dates of the 3trial payments. The payments were acknowledged to be received on time. Then Mr Cooper bank sometime around XX/XX/XXXX sent the approval letters ( for signatures ) to the non bankruptcy atty. 
WHY? WHY to this guy? he was not my atty and the bank had been verbally notified. The incompetent XXXX XXXX was also TOLD several times to notify the Mr Cooper bank but he didnt do so until XX/XX/XXXX. 
Due to the above incompetence by the Mr Cooper bank, my loan mod was denied. My loan was soon transferred to XXXX XXXX XXXX. 
Now Im still fighting to get a loan mod approved but XXXX has denied it even though I told them the problem and my family income is higher than while at Mr Cooper. XXXX is telling me to appeal but things are only stronger than while at Mr Cooper. Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last month on XX/XX/ my purse was stolen and in it I had my phone several debit cards, identification card social security card, money etc..I made a police report about everything that was taken, but at that time I could not let them know that amount if any was taken for me in my bank account from other account so I had to wait and see I wasnt able to get any type of access to my Wells Fargo account until XX/XX/ and which I came to find out that almost {$4000.00} Ive been taking for me I immediately filed several disputes, changed my username and password, canceled my card and re-ordered a new one and set up voice verification to my account to ensure a better security of my account. it is now XX/XX/ and my disputes all have been closed. and no, my name has been credited to my account. I was never asked to send any paperwork in the police report. Nobody is home just speak to me not even sending email anything to notify me of the decision or why they decided that or anything and Ive been sitting there patiently without having any of my money, Ill be able to pay bills buy groceries and Ive had no communication and Basically I feel like Im being robbed again because I have no money in my account which was taken for me and no communication between the Bank and myself on their behalf to ask for any supporting documents and I need my money Im not just gon na let somebody steal my money, and walk away with it And let it go so I would really appreciate help with this because it is actually causing a hardship on me and I need my money back.

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 2023-09-22
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I spoke to XXXX XXXX, XXXX Client Relations. She informed me that my accounts ( personal and business ) were closed due to alleged fraud committed by me. She was not able to provide answers to my questions. However she scheduled a follow up phone call appointment for XX/XX/2023 at XXXX. I made myself available for her on XX/XX/2023. As of today, XX/XX/2023 I have not received any update from her. Questions such as how much exactly from my personal checking was sent to XXXX Bank?, exactly where was remaining funds from my personal account that was sent to XXXX?, exactly how were the funds presented and sent to XXXX bank?, why would someone at PNC Bank discriminate against me and make false allegations of fraud and how did allegations of fraud get initiated as XXXX being told by XXXX bank that PNC Bank kept insisting the check I present on XX/XX/2023 for {$100000.00} was fraudulently presented by me. 

All the questions are important to know and understand so that XXXX bank can follow up on their end and send me back my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Account information incorrect

Complaint:
BY NATURE OF PREVIOUS CFPB REPORT XXXX, VW XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the morning of XX/XX/2023 I used my Chase debit card without any problems. A few minutes later i received a notification from my digital wallet that the card was removed from XXXX XXXX. I called Chase and was told the debit card was closed. I was transferred to another department who said the account was restricted and would be closed within 10 days. They told me I could transfer the funds to another institution or go to the branch and withdraw the funds. 

I logged into the Chase account to get the banking information so I could initiate a transfer to another bank. After I entered the information into the other banks site and tried to log into Chase again my online banking was locked. 

It gave me only 2 options call to unlock or close the box. When I called I was told there could be nothing going in or coming out of the account and they wont unlock. They said the decision is final. 

I have small children I need access to the funds. They said I would get a certified check in XXXX  days. I cant wait XXXX days. This is horrible and heartless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Thaxton Investment Corporation
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a consolidation loan from Heights Finance in XXXX Ky in XXXX of XXXX for {$7200.00} I had problems when Goin in to pay my monthly payment. At the time they didn't except cards over the phone. I was told they weren't set up to do it at the time. I tried to break my payments down half at the beginning of the month & half in the middle of the month. They didn't wan na do that. They wanted all the $ rite then & there. For {$7200.00} they wanted me to pay back almost {$17000.00} that's over double what I borrowed. I tried to work with them like I do anyone else I owe! They refused to work with me. They took me to court & sued me for the XXXX On XX/XX/XXXX Which they over charged there as well plus there attorney fees etc... The agreement was? I pay {$200.00} a month until it was paid. I was late a few times on my payment but it was paid. I even paid 2 payments in XXXX. I called to make XXXX 's payment on the XXXX of this month & they refused it. I had been in the hospital XXXX XXXX XXXXXXXX & was a day late. They said I should of called to let them know? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are now trying to garnish my wages from my job on 40hrs a week & I don't work full time. I'm a part time employee at my job. Sometimes im luvky to get 15 hrs a week. Im a single mom. The wellfare of my child is the most important thing to me & she comes first. I don't want this to happen to anyone else!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account 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, 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MD
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 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 non-monetary relief
Consumer complaint received 2023-08-24
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:
PLEASE SEE ATTACHMENTS : Enclosed is the comprehensive evidence of Experian 's transgressions against federal laws, including the FCRA and GLBA. These violations comprise unauthorized reporting, deficient verification, failure to adhere to opt-out requirements, absence and improper investigation procedures. These actions infringe upon my rights and have led to substantial harm.

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