BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-03-06
Company: Bread Financial 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:
I sent ComenityXXXX credit card company a Goodwill letter after being advised to do so by customer service. When I spoke to customer service I explained exactly what happened and she said that she could see exactly what I was talking about and that I definitely should dispute the report of the 30 day late payment on my credit report. She recommended I write a letter saying it was my fault and I was truly sorry for the mistake. She said I would have better luck pleading for forgiveness than challenging them. She said If I had any way to remove it myself, I would. I can see how unfair this is to you. I did what she said to do and wrote the letter. ( Although I had already filed disputes with all 3 credit bureaus with the actual facts and mistakes they made. Those disputes were denied. She said it was because I challenged them. So, I tried her way. It was still denied. I am unable to speak directly to anyone who has authority to make corrections on my account. I feel as if every customer service representative I speak with looks at the information and clearly sees the mistake, but theyre unable to change anything. Only the people who hide behind letters without any conversation with me are able to correct the mistake? They just deny my dispute with a generic letter. It is the one and only late payment on my credit report, ever. It is unfair. Ive put so much of my time into this, just for the sake of fairness. I doubt it hurts my credit score, but the point is that its that they made the mistake, not me. Its wrong. I feel very helpless and alone going up against a large company. I feel unheard, as if I dont matter. Ive filed multiple disputes over the years, they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
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 honestly asking the XXXX Credit Bureaus XXXX, Equifax and XXXX to REMOVE these fraudulent items from my credit reports within 15 days time. I have sent a complaint dated XX/XX/XXXX. In it I stated that I need these items REMOVED as I did not owned or opened them nor I authorized anyone for it. So please remove the items listed in this complaint : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 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 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 XXXX 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 explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 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 Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXr XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: MS
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:
Improper use of 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 2021-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have knowledge of these accounts. The following accounts contain inaccurate information. Please investigate and verify the following information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: HW Holding, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute and bring to your immediate attention several inaccuracies that I have discovered in my credit report, as provided by your agency. The discrepancies pertain to the accounts listed below : Account XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX High Balance : {$320.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$320.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Account XXXX : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX  Date Updated : XX/XX/XXXX High Balance : {$620.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR XXXX Upon reviewing the information provided in my credit report, I have identified discrepancies that are not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Incorrect Address : The address associated with Account XXXX is inaccurate and does not correspond to my current or previous residence. 
Inaccurate Collection Status : Both Account 1 and Account 2 are inaccurately marked as being in collection status. I dispute this status, as it does not reflect the true nature of my financial obligations. 
Incorrect Original Creditor : The original creditor listed for Account XXXX is inaccurate, as I have no history or association with XXXX XXXX XXXX XXXX. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your prompt attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage account with Cooper formerly known as XXXX XXXX XXXX., XXXX , Texas . My account number is XXXX. The company should remove the PMI under Automatic Termination clause as per Home Owner 's Protection Act of 1998. On XX/XX/XXXX when I mentioned them I reached 78 % LTV, they did not automatically terminate my PMI of {$77.00} every month. My amount of finance under modification in XX/XX/XXXX was less than the original amount financed but still same XXXX dollars was colected as PMI. On XX/XX/XXXX they wrote a letter enclosed herewith that I did not reach and the date of automatic termination is XX/XX/XXXX. Again on XX/XX/XXXX they wrote they mistakenly calculated the LTV and informed that XX/XX/XXXX is the date for removal of PMI under Automatic Termination when the LTV reaches 78 %. Now my LTV is almost 70.007 %. Still they are collecting PMI. They are fully aware that my loan was modified with XXXX XXXX XXXX XXXX, in XX/XX/XXXX and they did write these letters in XX/XX/XXXX. Still they are collecting PMI? I want CFPB to publish this and get my grevience redressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Mr. Cooper in late XX/XX/XXXX to request a 2 month deferred payment arrangement as I had missed XXXX and XXXX payment due dates. I was told I was approved for the deferment and made a payment on XX/XX/XXXX. The bank cancelled the deferment and is now telling me that the customer service representative asked if I was able to make a payment this month and since i XXXX have responded affirmatively that I was in default of the terms of deferment. This is not fair as we had been discussing a 2 month deferment which means I would not of had to make a payment until XXXX, which is when I did. The Mr. Cooper representative should not have asked if I could make a payment in XXXX when I was requesting a 2 month deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I noticed that there were transactions on my cashapp account that I hadn't authorized from several different company 's. ( ref : XXXX : ref ) I contacted cash app via support to file a dispute for these charges. The representative let me know that they'd do an investigation and will email the results. On XX/XX/XXXX I received an email stating that my dispute had been denied. I proceeded to call cash app inquiring about the investigation and requesting the documents which determined the outcome. Cashapp then sent over 2 of the 4 requested documents which ONLY stated that the card wasn't present. Which indicates cashapp did not do an entire investigation as the company stated they would. I'm not the only person based off of CFPB website who's had this issue with cashapp letting me know they're not protecting my personal information. Once I filed the dispute the representative then went ahead and put a pin on my card as if I were the one to initiate the transactions. Cashapp also violated my consumer rights by this as well as their policy listed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: OH
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 rewards from credit card

Complaint:
Some time ago, Chase is running a promotional offer : Purchase things from XXXX online or in store and get a 10 % bonus cash back. To take advantage of this Chase offer, I used mt Chase credit card ending in XXXX and purchased one item from XXXX ( transaction posted on XX/XX/2021 ; Reference number : XXXX ; Transaction amount : {$350.00} ). After that, I did not get the 10 % cashback, and Chase suddenly closed my account from their end. I contacted Chase asking for the 10 % cashback, and they told me that they could not give that to me because my credit card had already been closed by Chase. However, in the offer terms & conditions, Chase never mentions that once an account is closed, the 10 % bonus will not be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I placed an order with XXXX   for three football ( soccer ) shirts ( jerseys ) for an order totalling {$300.00} including shipping. Two of the three shirts were shipped promptly and my credit card was charged a different amount of {$280.00}. Upon checking their website after receipt of the two jerseys, I learned that the third jersey I had ordered was backordered. At the beginning of XX/XX/XXXX, after waiting several weeks for delivery, I cancelled the backordered item on their website and requested a refund of {$98.00} for the item that was never shipped. 

During XX/XX/XXXX I tried three more times to inquire as to the status of my refund through the merchants website but received no responses from them. 

I then initiated a billing dispute with my card issuer USBank on XX/XX/XXXX requesting a partial refund of {$90.00} which is 92 % of the disputed item quoted cost of {$98.00} The 92 % refund request was based upon proration of the amount billed of {$280.00} divided by the {$300.00} amount quoted by the vendor. 

Despite providing significant supporting documentation ( copies attached ) US Bank refused to provide the partial refund of {$90.00} for the soccer jersey that was never delivered.

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 2023-03-02
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account was hacked in XX/XX/2022. Name was changed, address changed, and email changed. Then multiple unauthorized deposits were made on that day. The following day a check was requested by the hacker, the check was mailed and cashed by the hacker leaving a negative balance of over {$1900.00}. Since I dont use this account frequently I did not know any of this happened until I received a letter from a collections agency in mid XXXX. I have tried to straighten this out with PayPal since mid XXXX and just received an email yesterday saying my claim has been denied. Although I have had PayPal representatives tell me they can see the suspicious activity was done through a different IP address and that the fact all the personal info was edited the day of the activity is a huge indicator this is in fact fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: OK
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/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief