BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX I called XXXX police department to come out and make a report that my car was stolen. I was informed to contact my insurance company, I received the phone call from the police station that my car was not stolen it was repoed My car is completely paid off XX/XX/XXXX, I have all my receipts no missed/late to any of the Mechanics bank or CRB. I owe XXXX no amount of money.. Who are they.. call bank huh there is no Bank I own my car outright for one year now credit report proves paid in full I have legal title ownership, this company has fraudulently stolen my vehicle and requested a new title for what reason I don't know I have title legal ownership and registered owner there's no liens no court dates no repo orders no court orders or judgments per DMV printout available upon request it's unfair to take a person property their only means for transportation. and sell it back to me. im credit worthy My credit report my receipts show and prove paid in full XXXX balance. 

I've tried to solve this problem over the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX and in person on XX/XX/XXXX at XXXX XXXX. at the address provided they made a copy of my ID and told me that I could not have my property as I handed them a copy of a demand letter and Notarize documents to solve this problem by releasing my vehicle instead im asked for my car keys they expect me to hand over my property that I own outright they give me phone numbers and addresses that does not exist, I've taken all the steps via DMV to obtain my rightful title my car was fraudulently stolen from XXXX CA . Mechanics Bk was a personal indirect loan that was paid i full after 3 years this was an Unsecured loan and my car can not and is not, and was not used for colattoral. 

I have seen the reviews similar issues has been reported to XXXX regarding the same issue as mines. I heard how XXXX has returned vehicles to rightful owners in poor and damage condition amounting in costly damages after a XXXX report has been file against this company and all that is involved... I want my XXXX XXXX XXXX  to returned to me in excellent condition without retaliation for filiing a XXXX claim to get my car back. ; Return my vehicle remove from your repo list car returned in excellent condition no body damage etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX BANK XXXX {$660.00} XXXX XXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX XXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PA XXXX XXXX XXXX XXXX XX/XX/XXXX Texas XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX Highway XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX remove these inaccurate information 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 explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: GA
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 have hard inquiries that are on my credit file that should not be there. This information is not accurate. Please remove all of the inquiries that are on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: GA
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 have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
-XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please 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 explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$230.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX BANK XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 2021-03-18
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been assessed a {$100.00} fee that I am not responsible for. 

Mr Cooper Mortgage of XXXX, TX has charged me {$100.00}, accusing me of changing my bank account number. 

The details are in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX some applied for a credit card through an airline credit called XXXX with the lender of Bank of America. I noticed this on XX/XX/XXXX. I have called all 3 credit bureaus freeze my credit with all 3 froze my credit cards I have on hand. I have called Bank of America to cancel the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2018, I had attempted to get a taxi for a trip to and from destinations in XXXX. 

THE DRIVER I HAD ATTEMPTED TO DEFRAUD ME. I'd been told that a small trip would cost roughly {$60.00}, and that my driver would be there to pick me up afterwards. My driver stayed with me at my location, but in the end I was told it would cost me since he had to wait for me. Further, I was told I'd be charged {$250.00} ( in several amounts ) only after the conclusion of the ride ( which was absurd ), and I was actually charged {$280.00}, because the driver thought he could tip himself on my bill. He also told me he would be providing return transportation to my hotel in XXXX. He physically took my card and swiped his own amount on his card reader, he didn't bother to tell me what the full amount was, what I was actually paying for, or a receipt. After my card initially declined, he said that my card authorized for a lower amount, and he wouldn't be able to drive me to my final destination anymore, as I didn't seem to have funds. This is insane. 

Further, when I attempted to contact my bank, the company attempted to validate my purchase by claiming that my signature on the bill matched my regular signature on transactions ( which it did ),  when my original complaint was that I had been overcharged!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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 below listed accounts are in violation of my federally protected rights and privacy under 15 USC 1681 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX 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 ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime, which add a date to the report by more than seven years.

15 USC 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 calls to believe that the information is in accurate.

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 2021-03-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I obtained my 3 in 1 credit report from Equifax Complete Premier Plan on XXXX XX/XX/XXXX. I was informed on the website that I could cancel at any time. I canceled after I obtained the report by calling XXXX. They had overcharged my card and they did refund my money at that time. I continued to be charged {$19.00} per month. I called on XXXX XX/XX/XXXX and spoke to XXXX to get the refund for the previous months and he stated that they must investigate this. He wants me to agree to a cancellation today. I have asked that they back date the cancellation to XXXX XXXX when I first called. I repeatedly requested for them to listen to the calls to verify my claim of cancellation and they will not do this over the phone. They have placed an escalation on this. I do not trust they will do the proper follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Spring Oaks Capital, LLC
State: OR
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:
Opened an account XXXX with XXXX XXXX. In XXXX XXXXXXXX XXXX showed up on my credit report. I have never had an account with XXXXXXXX XXXX. I believe after speaking with XXXX XXXX and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The XXXX account I had was closed in XXXX and never reopened. This account is over 8 years old. 
I have never had an account with XXXX XXXX. 
Spring oaks collection llc stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Regarding : Account No. XXXX CAPITAL ONE BANK USA Credit Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers and attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XX/XX/2021, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In reference to complaint # XXXX Citibank retaliated by closing my account which affects my credit and score.

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