BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Subject : Urgent Request for Assistance : Stolen Vehicle and Unresolved Identity Theft To the Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply troubling and distressing situation involving identity theft, the unauthorized opening of a credit account, and the theft of my vehicle, a XXXX XXXX XXXX  XXXX, XXXX sedan. The owner of the auto repair shop responsible for the theft of my car is XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX, TX XXXX. 

The sequence of events that led to this situation is complex but rooted in the mishandling of my insurance package by my former employer, Saks Fifth Avenue. Upon being hired, I received my insurance package after 31 days, well after the enrollment window had closed, and they subsequently filed a report to rectify this. In the process, they also contacted the insurance to open a new window to allow for the inclusion of my package. However, during my employment, I applied for a Capital One XXXX XXXX XXXX credit card to obtain my employee discount, only to discover unauthorized activity related to my personal information. This led to the theft of my car from the Saks Fifth Avenue employee parking lot. 

I believe that this situation may involve individuals connected to Saks Fifth Avenue, including the general manager, XXXX XXXX, the HR representative, XXXX XXXX, and a manager, XXXX XXXX. I also noticed that an unauthorized Capital One XXXX XXXX XXXX account had been opened under my name, causing significant damage to my credit. 

Despite reporting this to the police ( report XXXX : XXXX ), I am still awaiting resolution. The complexity and potential involvement of various parties in this situation have made it incredibly challenging to regain control over my identity and retrieve my stolen vehicle. 

I urgently seek your assistance in resolving this matter, ensuring the return of my stolen car, and restoring my financial well-being, which has been severely affected by the unauthorized credit account. Any help you can provide in this regard would be greatly appreciated. 

Thank you for your immediate attention to this serious issue. 



[ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 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 ( state of mi child support ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2019-04-27
Company: PHH Mortgage Services Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold by XXXX to PHH Mortgage Services. The incompetence of PHH was obvious at the outset so we immediately paid the loan off in full to separate ourselves from this company as quickly as possible before our excellent credit was damaged by their incompetence. That payoff was made and acknowledged by PHH on XX/XX/2019. The payoff resulted in a refund due to us of {$500.00}, comprised of {$310.00} in a property tax impound balance and {$180.00} in overpayment of the payoff balance. When no refund of funds due was made to us an inquiry was made made to PHH via phone. We were advised by XXXX of PHH on XX/XX/2019 that the refund should have been made within ten days of the XX/XX/XXXX payoff. XXXX indicated that she would submit an inquiry as to the status of the refund. On XX/XX/XXXX I called a PHH again to inquire as to the status and was told by XXXX that all refunds are issued within 15 working days of payoff and the check was mailed on Friday XX/XX/XXXX. On XX/XX/XXXX we called a third time to verify the information provided by XXXX the day before. During the course of that call we were informed by XXXX that the check was mailed on XXXX of XXXX. It is now six days later and we still have received no refund from PHH of the funds due to us, nor have we received any written verification of the loan payoff. The story line continues to change, PHH continues to change dates to suit their story line and we still have not been refunded the funds due to us. It appears that PHH is either severely incompetent, they are liars or worse yet, they are committing fraud, theft and conversion of funds to which legally they have no right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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: Old information reappears or never goes away

Complaint:
accounts are closed by the companies, when I received my reports back from bereaus via XXXX, XXXX and Experian

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DATES ASSOCIATED WITH INACCURACIES ; XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; EXPLANATION OF INADEQUACIES BEING DISPUTED ; THESE ITEMS ARE INNACURATE BECAUSE THE CARE ACT PROVIDED PROTECTION TO THE CONSUMER THAT WAS EFFECTED BY COVID 19 DURING THE PANDEMIC. ALL OF THESE NEGATIVE ITEMS FEW ARE ACTUALLY MINE MOST I HAVE NO KNOWLEDGE OF BUT ALL OCCURED DURING THE TIME THAT I THE CONSUMER WAS PROTECTED UNDER THE CARE ACT DURING COVID 19 PLEASE REMOVE THE FOLLOWING INACCURACIES FROM MY CREDIT REPORT IMEDIATELY! 
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  AS WELL AS THE COUNTLESS NUMBER OF HARD INQUIRIES ADDED TO MY REPORT DURING THE SAME TIME PERIOD!

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 has 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, 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.

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 non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been trying to get this company to remove innacurate information that isreporting to my credit file that continues to violate my consuer rights.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have inquiries that are not mines.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, BANK, 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 AND ANY MORE.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comm

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 2023-11-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, Equifax, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

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  Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to close my disputes regarding a hard inquiry posted on my credit report on XX/XX/22 by XXXX XXXX. I have not applied for credit with XXXX XXXX. I need Equifax to provide me proof this belongs to me since XXXX has already provided me a written confirmation this was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Back in I think XXXX or XXXX I had a checking account with Wells Fargo and they closed my account with notifying me due to fraud activity done to my account when I informed them I did not know what had happened to my account.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2019-06-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX 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 2019-04-27
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lotane & Associates took me to court to pay a medical bill from my XXXXyr old daughter. We settled with the subcontractor they sent out on XXXX.19.  Their subcontractor told me they would be sending us official documents about our debt owed in two weeks. I have never received any documents from them to date. They did call me and told me my wife and I both had to sign another document because the debt was in both of our names. They sent me a document via email that was altered and had the XXXX County Court seal on it. I told them I would not be signing this, as it was not an official court document. I sent them am email again, on XXXX.19 and to date have received no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently viewed my credit report and noticed suspicious accounts on it. The account is not mine and I am being negatively impacted by the derogatory accounts.

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 2022-11-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received a bill fromIkea Projekt on XX/XX/. I do not own this card. Upon calling the company they are handling it through their fraud division. They also found another card from The Childrens Place taken out in my name which they closed, that also had charges already on it. I do not own that card either. Just received The Childrens Place card in the mail yesterday. I was told to file this report & will be filing a report with my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX {$260.00} Amount Claiming Owned *** XX/XX/XXXX XXXX Date Reported On My Credit Profile *** Requesting *** VOD *** Validation Of Debt FCRA Sections XXXX XXXX ( a ), XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father XXXX XXXX in XXXX, XXXX in XXXX XXXX  XXXX ( XX/XX/XXXX ) but he was a US citizen. His XXXX XXXX was issued in XXXX, so it's in XXXX. I got it translated like Chase bank asked in XX/XX/XXXX. I also got the my fathers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I am the executor, as the only child of divorced parents. The bank is asking for an XXXX  stamp from the embassy in XXXX. His original XXXX XXXX has this stamp that Chase Bank wants and they will not take the translated version without the stamp. They are also asking for a consular XXXX XXXX XXXX from the embassy in XXXX. Both documents ( consular XXXX  XXXX XXXX of a US citizen, and the XXXX  stamp ) can't be obtained here in the USA and would require me to go to XXXX again. I do not understand why they need both documents. And I want to make very clear that even if I take the translated XXXX XXXX  to XXXX, it will still have the same stamp as the original certificate and it will be in XXXX.

Company response to consumer: Closed with explanation