BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
In XXXX  I filed for Bankruptcy and the mortgage holder at that time sent an XXXX out to the home. They charged me with the XXXX XXXX fee even though I was in the middle of the Bankruptcy. I discussed with my lawyer at the time and they told me to refute the bill citing the Bankruptcy. The mortgage company sold the mortgage before the Bankruptcy was complete and each time the mortgage is sold I ask the new company to remove it from my " overdue '' balance. Each time the company says that they'll look into it and then they never get back with me. I'm trying to get pre-qualified for a new loan and now this is hurting me as it shows that I'm perpetually overdue by over {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

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 account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX  account # XXXX, has violated my rights because the date of last active is inaccurate, and the date opened is inaccurate. 

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 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.

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Unauthorized Inquiry from : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2020-08-04
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}

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 explanation
Consumer complaint received 2022-03-30
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Discover is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

I the consumer have never given explicit written consent for Discover to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished.

I demand Discover cease and desist pursuant to federal law 15 usc 1692c ( c ). Discover is in violation if the account is continuing to report on my consumer reports and Discover does not have permissible purpose to report this account pursuant to 15 usc 1681b.

Immediately remove from all consumer reports DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Our email system was hacked and the hackers sent us wire instruction to wire {>= $1,000,000} ( XXXX XXXX XXXX dollars ) to a business account with JP Morgan Chase. Later we learned that the business was newly setup in Texas and the business bank account was setup in XXXX, Hawaii. Shortly after the {>= $1,000,000} was transfered by us, we realized it's a fraud and tried to contact JP Morgan Chase Bank for recall of the wire. However, the fund was already transfered out Chase Bank and used by the frauder to purchase crypto cerrency. 

Chase Bank, as one of the major finacial bank in the world, faild to protect the fund. Even though we didn't know the account history by then but it should have been very clear to Chase that XXXX the account was opened remote, XXXX it was setup newly, XXXX it never has any fund transaction until this large amount, and XXXX the fund was immeditally transfered out. It should be obvious to Chase there was some thing wrong about this transactions. However, Chase didn't do anything about it. When Chase openned up the account for the business, not enough XXXX has been done to make sure this is a legit business account and the person who open up the account is really with this business. Chase 's failure resulted our loss of millions of dollars. 

I believe many more have been victom of frauds which a financial instituion like Chase can stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance

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 2023-10-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/, I was the victim of a scam. That day I received a call from XXXX regarding a special offer. Because this caller did have my XXXX account number, I assumed this offer was legitimate. However, after purchasing three XXXX gift cards from our local XXXX store with my debit card, I realized it was a scam. Within an hour after purchasing the third gift card, I immediately went to our local Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, DE XXXX. At this point, the transactions were still pending in my account. I went into the bank and explained what was going on and requested that they not allow these transactions to process. I was told there was no one available to assist me and I should call the 800 number. I was very upset and while in the parking lot of the bank, I proceeded to phone the Wells Fargo XXXX number. I explained the situation to the Wells Fargo representative and requested that these transactions not be honored. After being on the phone with the representative for approximately 10-15 minutes, we were told a hold would be put on my debit card and I would receive a new debit card. 

Unfortunately, even after my efforts to get Wells Fargo to deny these transactions, the following XXXX gift card purchases were authorized by Wells Fargo as follows : XXXX XXXXXXXX XXXX {$360.00} XXXX XXXX Card XXXX XXXX XXXXXXXX XXXXXXXX {$490.00} XXXX XXXX Card XXXX XX/XX/XXXX XXXX # XXXX {$360.00} XXXX XXXX DE XXXX CardXXXX That evening, I called the DE State Police to report the scam. State Policewoman XXXX XXXX came to my home to take a Crime Report. The Complaint Number with the DE State Police is XXXX. During Officer XXXX investigation of this scam, it was revealed that the scammers had not gotten the information to obtain the {$490.00} purchased gift card. Therefore, I could still use that gift card. 

On XX/XX/, the Wells Fargo Bank did issue me provisional credits in the amounts of {$360.00}, {$490.00}, {$360.00} for a total of {$1200.00}. However, on XX/XX/XXXX and XXXX, XXXX, they reversed these credits in the amounts of {$860.00} and {$360.00} for a total of {$1200.00}. 

Although I know I am responsible for falling for this same, since I immediately went to Wells Fargo Bank to stop this scam while the scam was going on and these transactions were pending, and I was turned away from the Bank, I believe the Wells Fargo Bank should credit me for the two {$360.00} transactions in the total amount of {$720.00}.

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 explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX, XXXX, XXXX XXXX XXXX Balance XXXX {$3500.00}

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 2018-06-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX has purchased a debt from XXXX/XXXX. The company sent the debt information to me and it does not have my signature and it was originated from a unknown address. I want XXXX to stop verifying the debt as mine, I am disputing this debt and they continue to verify the debt is mine, provide my signature for the debt or delete it from my profile. XXXX   credit card account ending with the number 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 2023-07-18
Company: EQUIFAX, INC.
State: OH
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 sold my home XX/XX/2023. XX/XX/2023 XXXX, XXXX, and Equifax stated I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my credit score XXXX points on each bureau. I contacted the creditor XXXX XXXX, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but XXXX said they can't do anything. XXXX said they will attach the document but that's it. Equifax said they cant do anything. My credit score keeps dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Santander picked my car up, sold it and still charging me the amount I paid for it. Its been over 9 years and they are still charging me over XXXX for a car I no longer have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello my name is XXXX XXXX XXXX XXXX, I'm from XXXX XXXX, my PayPal Account was limited for a reason i don't know... it's so frustrating to lost money like that for 6 months. I have to finance my activities and I can't do without money at the moment. 

My PayPal email is XXXX. 

Please see into my problem and get me feedback thanks. 

My regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Bread Financial Holdings, Inc.
State: RI
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:
Account was opened XX/XX/XXXX. At the time my credit was checked and I was approved for the department store card. 

In XX/XX/XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX and XXXX ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XX/XX/XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Old information reappears or never goes away

Complaint:
I am just asking that they remove the information I requested. 

Listed below are the Account that are being challenged XXXX  - XXXX XXXX XXXX XXXXXXXX Listed below are the Collection that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiry that are being challenged INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX | Charge account | Balance XXXX {$0.00} Account # XXXX XXXX Credit Limit XXXX {$500.00} Last Reported XX/XX/2019 (! ) Account Type XXXX Revolving High Credit XXXX {$1000.00} Date Last Active XX/XX/2019 (! ) Account Type Detail Charge account Balance XXXX {$0.00} Date of Last Payment XXXX XX/XX/

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 2022-07-26
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided.

After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the Citi Bank Credit Card Agreement ( posted on the CFPB website ), XXXX  is bound by the Private Arbitration if XXXX claims the debt and refers to itself as the owner of the debt. 
I served both the original furnishing and the XXXX  ( through XXXX XXXX ) with arbitration demand. 
XXXX ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case. 
This is not only a violation of FCRA and FDCPA, but also a court fraud. 
In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.

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 2022-07-26
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 XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my wriiten instructions

Company response to consumer: Closed with explanation