BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: MT
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my accounts at Wells Fargo Bank since XXXX and had to change my account a few times due to unauthorized transactions and unknown transactions that came with overdraft fees. When speaking to the bank representative was given assurances that a claim was put in, transactions would be credited bank and fees returned and those things didnt happen on a few occasions. Then there were times where they did not give back the fees, as well as incorrectly reporting my credit score for years so I was unable to apply for any credit products with my bank of 8 years. Right now my main checking account was closed before I found out it was due to overdraft fees that was supposed to been returned back to my account for transactions that were returned to my account that was associated with the fees but the fees was never put back and now I have to go into the bank to try and resettle this issue because it was never correctly done from 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 monetary relief
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I never knew that sending money to my incarcerated mentee usig my Capital One credit card was considered a cash advancement. So using XXXX XXXX, XXXX or XXXX is considered a cash advancement that prohibited me from obtaining a credit increase. I fee this practice is discriminatory and targets XXXX, XXXX and XXXX people who are trying to send incarcerated people money. It is akin to redlining in the real estate industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies 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 2023-01-23
Company: American Coradius International LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the XXXX XXXX  on XXXX  the XX/XX/2023 stating I owed {$430.00} to XXXX. The reference number they gave me is XXXX and the account number is XXXX. I check my XXXX account and it show no outstanding balance. I contacted XXXX an confirm this. I believe America Coradius International LLC is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to XXXX fraud department. This whole scenario sound like possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX and Transunion. proof provided below, Due to XXXX and Transunion not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires First premier bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX and transunion. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by experian proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.

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 2022-01-12
Company: Franklin Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2020 someone stole my identity and opened an account with XXXX XXXX and ran up a {$960.00} bill, which they didn't pay so XXXX turned it over to a collection agency. When I found out about the identity theft I reported the matter to the XXXX XXXX, XXXX XXXX, PA Police Dept. A copy of the XX/XX/2020 XXXX XXXX police report is attached. 

I gave the police report to XXXX XXXX and they told me the account was closed, but it appears they have given it to another collection agency because the {$960.00} bill has reappeared on my credit report at the request of Franklin Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Back in XXXX of XXXX, I was in a car accident that was not any fault of my own, but it totaled my XXXX XXXX XXXX. I was financed with huntingon bank, I immediately called insurance got a claim started that night - insurance and gap got started paying it off and started communications with Huntington bank to get the card fully paid off, in the mean time, I had to finalize my divorce and was changing jobs - but was able to go get a new lease for a lower payment on another XXXX. Insurance and gap and I were all communicating, along with Huntington to ensure it was all paid off. From what I understood gap was covering the rest of the finances amount, so it was all to be paid off. Well I got a call from Huntington about a balance, I called insurance and gap and they said they would communicate with them to get it paid and for me not to worry about it. 

Well then I get a 30 day report showing from them on my credit for {$450.00} - meanwhile Im a newly divorced single mother trying to sell my house and get a new home that is within the mile distance allowed from my ex husband. That tanked my credit and put me under qualifying. I called them to see what happened and they said gap had sent in the payment late but it didnt cover {$450.00}, and then they told me as of the day i called, XX/XX/XXXX i believe, that I was 60 days late. 

Now I know {$450.00} doesnt sound like a lot But when you are newly divorced, now make $ XXXX and not your salary you were used to AND youre having to move, and a mom paying expenses for kids - {$450.00} is a lot. 
I asked to do a payment plan, or have a rewrite - they denied me and started having condescending tones asking me what changed and why couldnt I pay all the sudden, and that gap had not covered it for the total loss car for this amount and it was left to me. They told me I could make small payments, but they would consistently report me late. 
I let them know I wasnt even aware this was a balance left, & gap & insurance told me stop communicating with them because they were handling it. 
I ended up having to pull favors from friends to rally the money to pay them and begged them not to report me 60 days late. 


******I asked since I wasnt aware could it be removed from my credit for the delinquency - they were making or breaking me being able to move where I am supposed to near my ex husband- they wouldnt budge, wouldnt even discuss the idea. But how can I be penalized for something I thought was handled and then still gathered the funds to handle it anyways? 
I do not understand - ****all I want is the delinquency removed from my credit - Ive paid them, I just want the delinquency removed. I need my credit to be clear of that to be able to get my obligations on track, I have an amazing credit history - my only issue is high credit card balances because Im a broke single mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent copy of my debit card was somehow made at the Chase XXXX XXXX Bank through my use of the ATM there once in XXXX of XXXX. This fraudulent copy of my debit card or the card information was subsequently used three times - once on XX/XX/XXXX for {$130.00}, XX/XX/XXXX for {$160.00} and XX/XX/XXXX for {$98.00}, all at the XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX IL. I've never used this ATM. I filed a claim immediately with Chase Bank and they rejected the claim because it was an exact copy of my chip. The chip copy was entirely fraudulent, as I am the only individual in possession of an issued debit card. The bank customer service upon contacting them reiterated they only do a surface financial investigation and will not investigate further unless subpoenaed. I filed a police report on XX/XX/XXXX, report # - XXXX, and have heard nothing still as of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

Transunion account Account # : XXXX XXXX account # 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 2022-01-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to inform you of an unfortunate and unethical situation that happened to me and i wanted to know if there was anything that could be done to assist me in this matter. i owned a property on XXXX XXXX XXXX. XXXX, NY XXXX that was subject to foreclosure proceedings. I was greatly impacted by the pandemic and unfortunately i was unable to keep up with the mortgage payments. I, reached out to the mortgage servicing company ( Shellpoint Mortgage/ NewRez LLC ) to explain my situation and to work out a short sale. I provided all the hardship/assistance documents requested by Shellpoint Mortgage and as of XX/XX/XXXX we had a fully executed contract for a short sale. Shellpoint Mortgage and XXXX XXXX intentionally delayed the short sale approval multiple times and subsequently sold my house at an auction on XX/XX/XXXX ( 5 months after we submitted a fully executed contract ). I consulted with a foreclosure attorney regarding this matter and we are submitting a motion to have the sale rescinded, however, this would be done at the discretion of a judge and according to my attorney we have a slim chance of this happening. Please look into this matter and let me know if there is anything that can be done to have the auction sale in question rescinded so that we may complete the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
PRA has violated a minimum of 4 federally protected consumer Rights violations under 15 USC 1692 1.Violation of 15 USC 1692e ( 2 ) ( A ) - On XX/XX/2020PRA sent me a debt collection letter with the amount of a alleged debt in a positive character amount. How is it possible to pay on a positive amount. This is a false representation of alleged debt. 

2.Violation of 15 USC 1692j-In the account details of the debt collection letter PRA furnished false information of the original creditor as if they were participating in this collection. 

3. Violation of 15 USC 1692b ( 2 ) - Several times throughout this letter this junk debt collector has stated that I owe a debt ... Debt collector has no idea if I am the person reading the letter nor has any form of written or oral permission to have any of my personal information or any contact with me. 

4.Violation 15 USC 1692d ( 2 ) -Debt collector is using obscene language which is XXXX  to me as the reader by stating that I owe a debt. 



I have attached the documents that I have sent to the violator.

Company response to consumer: Closed with explanation