BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XX/XX/XXXX Closed {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1200.00} Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 
Dispute Reason Ownership : I have no knowledge of this account. 
XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$650.00} Remarks Consumer disputes this account information Collection account See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections 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 explanation
Consumer complaint received 2017-12-08
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MR. COOPER IS LISTED ON MY CREDIT REPORTS AS NATIONSTAR AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND XXXX FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX, formerly XXXX XXXX am a victim of a fraudulent RISC from a car dealership. I was undergoing XXXX XXXX treatment and received a notice from court that I was being sued. I responded to the lawsuit saying I never purchased the vehicle. I was waiting for a court date. I never recd. service to appear in court but then rec 'd. a default judgement. I was still undergoing XXXX XXXX treatment when I rec 'd a notice of garnishment XX/XX/XXXX. I was sued by Ford Motor Credit for a car that was never purchased from XXXX XXXX in XXXX, XXXX. Ford repossessed the vehicle from whoever had it and sold the vehicle sueing me for the remainder of the balance owed. I visited XXXX XXXX XX/XX/XXXX to look at SUV 's and submitted credit peperwork but ended up leasing a new XXXX around the same day at a XXXX dealership. 2 months later I moved to XXXX. The sales person and internet sales manager who are one and the same are the only individuals on the contract other than my forged signature. The contract was a salespersons dream come true with {$6700.00} in Ford extended warranties on a XXXX XXXX XXXX  with XXXX miles on it, if I understand Ford ESP contracts you are not able to purchase a ESP on a vehicle the has gone past the 3/36 warranty. The {$1500.00} down payment was deferred. I was never provided the anti packing paperwork as part of the XXXX  Car Buyers Bill of Rights listing all of the optional warranties in the lawsuit paperwork, insurance was never obtained for the vehicle that I am aware of yet the vehicle was allowed to leave the dealership ... ..the " sale '' took place in XXXX with the lawsuit occuring in XXXX ... .the salesperson has disappeared, we can not find him anywhere on the internet. He had an extensive felony criminal history prior to becoming a sales manager for XXXX XXXX. I can only assume they figured out what he was doing and terminated him. I could never find him working for any other car dealership after this. He subsequently opened his own medical billing company out of what appears to have been or is his home but the number is disconnected and I can can not find any other information about him on the internet. If in fact he was terminated for dealership fraud Ford then decided to pursue a bogus lawsuit against my fiancee ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was with Nationstar and was on Autopay. Our interest rate is low and we were constantly hounded by this company on a weekly basis to refinance. They called our cell phones, emails and mail profusely. We asked them to stop. They did not. The mail increased with weekly junk mail. In XXXX they sold our Mortgage to Mr. Cooper. We did not pay attention due to the fact that our payment was on auto pay. The impound account had increased and so they denied our payment. They called but we had the numbers blocked due to the constant commercials. They then put us in default. We caught this when they sent us a default notice. We immediately checked in to this and even paid the late fees. 
They sent us to collection and it lowered our credit scores over 120 points. We have never had a late payment for anything. We have always had sterling credit. Now due to such ridiculous business practices they have lowered our ability to get XXXX XXXX. I have contacted the company and they will not turn around the credit report. They do n't care about their fraudulent tactics of business. They said they tried to contact us when the auto payment was denied. I do n't know because they were so obtrusive with their harassing phone calls to refinance. I could not be more disgusted with a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-03-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi chase did a fraud of XXXX on my account and they dont want to refund me the XXXX and its already been over 2 months and i really need this money that they stole from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Transunion credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}

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 2023-04-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was a lady aged XXXX didnt give me no name however she had a very believable profile picture that sent me a message on XXXX telling me that her husband died 2 years ago and that her last boyfriend blocked her after she sent him money for college and I felt bad so she offered to be XXXX XXXXXXXX XXXX supposedly and that as long as I give her attention and always is there for her she will give me {$500.00} allowance each week and she said she would give me {$1000.00} dollar check to start off and she also gave me a story that there was a baby who needed XXXX so she would send me an additional {$2000.00} on XX/XX/XXXX  however I did not redeem the {$2000.00} check because I felt sketched out about it so for the {$1000.00} I sent a message to Chase saying to cancel the check because it didnt seem right but the check still went through and after it went through my account got closed and I called the bank but they didnt tell me the reason I sent a message to the person who sent me the fake checks that it was all a scam because I had a negative balance even though I never touched a dime from the check thats went through I have no real reason to ever steal or do any such thing Ive been with chase for awhile already and I never used it for anything malicious I then blocked the person who sent me the check on XXXX but the person texted me on XXXX because I had given her my number when we talked and I have proof that she kept bothering me about the checks and she also tried to call me the days after I got my account closed to send her money back i told my family and they looked up if this had happened to anyone else and it turns out it was a whole scam I fell into Im barely XXXX XXXX XXXX and I got my account closed because I scanned one check from someone I thought was being serious and nice to help me pay for bills. I tried to fix it with chase but they wouldnt give me the reason why it was closed down at the time so I left it at that however I cant just let something I fell a victim to just pass by because this could happen to others as well and they can be unfairly banned even though I understand where chase is coming from however I dont see how its fair after Ive been loyal and done nothing wrong ever this was the first time ever Ive come across a major issue however I am looking to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
Experian Shows XXXX  Card entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX XXXX  Shows XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation

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 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
On the morning of XX/XX/2023, I noticed that my Capital One ( Walmart ) credit card account was showing closed on the app. I had previously took out a loan with my bank to pay down my balance with Capital One. I contacted Capital One to inquire why my account was closed and my cash back funds used. The informed me that my bank had authorized this closure. I contacted my bank and was informed that they had not authorized the closure and sent me the communication ( letter ) that accompanied the payments they sent. I requested my account be reinstated and proof of closing authorization from my bank which I and my bank know they do not have. As of date, I have not received the promised communication from Capital One either explaining closure of my account, proof of authorization to close my account, location of cash back funds, or reinstatement of my account. Ive included my financial institutions loan officer that forwarded the communication ( letter ) to Capital One. As in the communication ( Letter ) that was provide to myself and Capital One by my financial institution simply states that my financial institution has been giving permission by me to inquire as to how funds provided by the financial institution were executed and my inquire about the status of my credit card account it doesnt state that the were given permission to make decisions concerning my credit card account. My loan officer has been made aware of this issue and has provided her contact information if further assistance is need from my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal was going swell for a moment until they limited my account an put a hold on my funds for no apparent reason I had to send them all my personal information and I feel very much embarrassed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been paying $ XXXX for many years. I never received an initial communication. I only revived many harassing phone calls threatening legal action. I want proof that this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

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 2023-09-26
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I am contacting the store about check for services rate on transaction history and will pay fees, I had got message from company on transaction history and want to get the, accounts involved for money gram that was sent pls, I have gotten a company response and it has knowledge of this on it records, STATUS Company responded on XX/XX/2023, STATUS Submitted to the CFPB on XX/XX/2023 and could get help with matter. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX XXXX, account number XXXX, which has been charge off account. 

I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, 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 2023-05-07
Company: Experian Information Solutions Inc.
State: NE
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 not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX, XXXX XXXX XXXXXXXX  have violated my rights. 
15USC 1681 Section 602 States I have the right to privacy.

15USC 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 noy trear a payment on a credit card account under an open and consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief