BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: FIRST ADVANTAGE CORPORATION
State: FL
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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates 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 cause to believe that the information is inaccurate. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My information has appeared in XXXX data breach and from XX/XX/2021 - XX/XX/2021. My debit card was used fraudulently for online purchases for which I received no benefit. My login was compromised due the data breach, which allowed access to XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX " your phone '' application which allows user to receive text via a pc. Using the compromised accounts someone was able to drain my account of over {$200000.00}. Wellsfargo denied my claims sighting that I funded the purchases with wires. The wires were not the funding of any purchases but instead sales of houses and products via online marketplaces.

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 2023-06-30
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates 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 cause to believe that the information is inaccurate.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Phoenix Financial Services LLC
State: TN
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:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1400.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 filed a dispute of consumer debts still reported with 'open ' status after bankruptcy. TransUnion XX/XX/XXXX  reports that I have eight open accounts. Of these eight accounts, one private student loan with XXXX XXXX is still under CFPB dispute since it falls under a category discharged by standard bankruptcy discharge orders, just like most other unsecured consumer debts ( per CFPB XXXX XXXX : Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts ). 
TransUnion initially removed balance of the XXXX XXXX loan and updated three private loans with XXXX XXXX XXXX as 'closed ' included in bankruptcy. However, TransUnion has reinstated all these loans with 'open ' status. I should only have four open accounts, but the XXXX XXXX student loan dispute will get resolved separately. 
For this CFPB dispute, I am disputing the three private loans with XXXX XXXX XXXX that have remarks 'included in the bankruptcy ' but are being reported with 'open ' and 'derogatory ' status vs 'closed '. 
The three personal loans with XXXX XXXX XXXX are on pages 3 and 4 of the 22-page attachment.

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 2021-10-06
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has ( 2 ) Credit Cards open up in my name from the same company. The company is LVNV. One total amount is {$1000.00} and the second amount is {$360.00}. 
I also have ( 10 ) Hard Inquires on my Credit Report. All of the Hard Inquires were unverified and unauthorized and I want the Hard Inquires removed. 
I have submitted a copy of my Drivers License and a Copy of my Social Security Card along with a Cover Letter stating the Hard Inquires were not authorized by me and ( 2 ) Credit Cards from the same company were open in my name. I sent my crucial documents to XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX has yet to remove these items from my account. I called today XX/XX/XXXX 3 times and was informed by the representative for me to resubmit my personal information via mail again. I sent my personal information twice to XXXX XXXX XXXX, XXXX PA XXXX. 
Now I'm feeling like one of the representatives in XXXX is using my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I asked Quicken Loans my lender to remove our PMI. We have more than 50 % equity. 
This is the letter I wrote and below my letter was their response. 


XX/XX/XXXX Qualified Written Request XXXX  ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX*Response from Quicken Loans Below************************** Good Afternoon XXXX And XXXX Thanks for the below email concerning the removal of mortgage insurance. Your loan is not eligible for the early cancellation of mortgage insurance. You have a FHA loan and mortgage insurance will be auto cancelled after it is paid to HUD for 11 years. 

If you have any further questions though, please dont hesitate to reply to this email or call our team at XXXX. 

Thank you for being a Quicken Loans client, and have a marvelous day! 

XXXX XXXX Quicken Loans Client Relations Monday -Friday XXXX - XXXX EST Saturday XXXX - XXXX EST XX/XX/XXXX Qualified Written Request XXXX ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Personal information incorrect

Complaint:
I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and Transunion both did not update my legal name in their system. It should have me listed as 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 explanation
Consumer complaint received 2022-08-15
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXXXXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX {$980.00}

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 2023-08-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called NewRez to recast my mortage on XX/XX/XXXX. They debited {$250.00} from my account for the fee and said I would receive a letter to sign and return, and that the recast would take affect in XXXX. 

I never received any document. 

I called them on XX/XX/17 to find out what had happened. I was put on hold for XXXX minutes. At the end I was told that they had sent the document and I magically hadn't received it, despite them for some reason sending XXXX statements per month about my due date. 

I asked the operator to be emailed the form immediately, and was put on hold another XXXX minutes. At the end of this I was told that their " email system was down '' and that I could call back in XXXX hours. I told her that this was unacceptable and asked to speak to a supervisor. After being on hold another XXXX minutes, the supervisor joined and reiterated that the " email system was down ''. 

I told her to send me the form in the morning and that I would be submitting a complaint with the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: IL
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: NY
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:
I did not authorize Wells Fargo Credit Services to run my credit.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: Merchants Acceptance Corp
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex-husband XXXX opened an account with Merchant acceptance her and her boyfriend at the time worked for this company her father and I went through a nasty XXXX and was made to leave my premises and as a retaliation she went and opened an account and made me co-signer without my permission I file a police report in XXXX of XXXX Ive tried several attempts to make the merchant remove this account from my credit and all I get is disrespectful comments trying to force me to pay for an item I dont have or never signed up for every year I have tried to file a dispute and they always ignore it and keeps it open when it was opened and closed in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX XXXX  Wells Fargo froze my accounts for several weeks causing me financial hardship. I had to hire an attorney to get my accounts unfrozen.

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 2022-07-13
Company: BARCLAYS BANK DELAWARE
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : BRCLYSBANKDE 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 2023-06-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
TOYOTA MOTOR CREDIT 59 POTENTIALLY NEGATIVE MONTHS Balance details 51 % paid off Balance {$7400.00} Balance updated XXXX XXXX, XXXX Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Lease PAYMENT HISTORY LEGEND Status Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$7400.00} Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 36 Months Contact info Address po box XXXX XXXX XXXX, IA XXXX ***** THIS LEASE WAS UNDER MY DAD NAME HE IS NOW PASSED AWAY XX/XX/XXXX - HIS NAME WAS XXXX XXXX XXXX

Company response to consumer: Closed with explanation