BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I am trying to finance a vehicle and there is a social security number being reported with my information. I do not have a social security only have a ITIN

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 7th 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 an alleged fraud or extortion. 
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

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 2023-10-17
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: Information belongs to someone else

Complaint:
This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$530.00} 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

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 2023-08-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mr. Cooper mortgage/XXXX XXXX formerly Nationstar mortgage. My father is deceased as of XX/XX/XXXX. XXXX XXXX is attempting to collect a debt that they state is owed from mr cooper formerly nationstar. They are attempting to collect a full amount of a home equity line of credit that he owed from XXXX and will not release the lien on the property, they have not sent us a full papertrail as to how this debt is still owed from the time it left principal bank and Mers as to when and how it got to them and owed over the amount XXXX  years later than his line of credit was even for. With the substantial amount of issues we have found in my fathers records and statements and bank statements copies of checks vs their paperwork and actually the loan suddenly reappearing out of nowhere again that there has been mistakes as well as laws broken. We request a full paper trail including any and all notes or correspondence relating to from phone calls between my father and the creditor. The informations does not add up that has been provided vs the information we have. I do not believe the lien to be valid and if this is not handled quickly or an agreed upon settlement reached we will be forced to pursue legal action as to they are causing substantial harm to his descendants who are the beneficiaries to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: IN
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 2021-07-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with TD Auto Finance on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. The finance charge is not to include cash, but I was required to pay a down payment of {$2000.00}. The finance charge is also supposed to include auto insurance, but I was made to purchase insurance separately. The contract provided to me by TD Auto Finance did not disclose the right to rescind, nor did they provide appropriate forms to allow me to exercise my right to rescind. This is a violation of my rights per the Truth in Lending Act 15 USC 1635 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I Wrote two checks from Chase my business account XXXX one to XXXX XXXXXXXX XXXX My accountant ( {$500.00} ) and the second one for my Lawyer XXXX  XXXX ( {$1000.00} ) Somebody obviously stolen the checks both did not receive and I had to pay them few weeks later both checks were cashed by a different by a bank in XXXX Virginia clearly the endorsement on the back of the check does not match the person who the check was made to. Since XX/XX/XXXX I have been trying to recover my money from Chase, after two years they told me I should have received a letter in XX/XX/XXXX telling me I need to call the other bank I hang up on them and one of the account manager at Chase gave me your website to file a complaint If the other bank made a mistake and cash those checks to the wrong person, chase should have not gave them my money I think chase should give me my money back ... Because they paid illegally to the wrong person. In my opinion they are trying to cover the mistake for making me pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: The Moore Law Group
State: CA
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:
The Moore Law Group got a Legal Order LTS taken from my savings and checking account for a XXXX card that is not even in my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an e-mail from XXXX and a text message from the number XXXX saying that they received my application for the internship with XXXX XXXX XXXX, which I applied to on XXXX, which is owned by XXXX, and they sent me a link to one of their workers, XXXX XXXX on the app " Wire ''. I was suppose to make an account and message her then I'm an applicant for the internship. I added her by looking up the email they sent me, " XXXX ''. Then once she added me we began talking about the internship and the interview that is about to happen. She then sent me a list of questions regarding statistics, data and programming that seemed very specific, which added to the legitimacy. I answered all of them and moments later she told me I was accepted to the internship with XXXX XXXX XXXX. She then sent me a message that the contract will be emailed to me and that I am to send it back signed, the document they sent is attached below. After sending it back they started talking about training materials and how they're going to send the money to me and that I am to send it to a vendor that will purchase it. At this point I'm suspicious because it was all online and I didn't even talk to them through the phone yet, but I'm assured the internship is fine due to XXXX being a big and respectable company and the internship being found on it so they have to had checked and reviewed to see if the internship is legit. So they sent me a check for {$1800.00}, which is also attached below, and I mobile deposited it into my XXXX  XXXX XXXX account. Once I did it and it got returned, XXXX told me that the account they put the money in for that check was used to pay off other members. Then they asked me to use my Chase bank, once I got the new check for {$3800.00}, they told me to mobile deposited into my bank account, which I did. They then told me to wire transfer {$3400.00} to the vendor, which I did. Then later in the day, this was on XX/XX/2018. I got a message from Chase saying the check was fraudulent, the wire transfer was cancelled and that my account with Chase is in review. I messaged XXXX about it and she asked for my account number, I said that it isn't available due to my account being suspended. Two days later on XX/XX/XXXX, I called Chase and they told me to come to the branch, I was then told that my account would be closed and that I would be marked on my credit report for fraud in the next few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Western Management Consultants
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible for a debt this company claims I own. I am not responsible for the debt Western Management Consultants, LLC claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, or the original creditor. Apart of that this company is not licensed to collect any debt in Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion has failed to Add the XXXX XXXX XXXX XXXX  Tradeline that I'm an Authorized User on my Parent 's Account. Its already been Added on XXXX & XXXX but you have continuously failed to report. I have contacted the Executive Office & this is my final result before I follow a Lawsuit against the entire XXXX XXXX. I have Attached Copies of my most recent XXXX, & XXXX  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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2019-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 21st 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00}

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 2019-10-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, 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 HAVE SENT LETTERS AND CALLED XXXX, XXXX AND EQUIFAX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986 I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.

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: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Account Routing Number : XXXX Called Apple Card/Apple Savings account help line customer service representative stated they are a Goldman Sachs Bank employee and told me that the only way to access my account balance was through the XXXX XXXX App . 

My XXXX is not working. I need access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I authorized Enerbank to pull a copy of my credit report ( a " hard '' pull ). Due to incompetent staff, they had to re-create XXXX additional applications in their internal systems for my loan due to their own error on each application. Each time, I was assured on a recorded phone line that they would not do another " hard '' pull of my credit, but on XX/XX/2022, my credit was pulled again while they created yet another application. I now have XXXX inquiries for the same loan, which is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
It has come to my attention that Comenity Bank/Lane Bryant, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. Comenity Bank/Lane Bryant never loaned me money for this credit card. Banks can not loan money, Congress never gave banks the power to loan money. 

In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and OnXX/XX/XXXX, Pursuant to 15 USC 1691 ( d ), and 15 USC 1691 ( a ) ( 6 ), Comenity Bank/Lane Bryant committed adverse action upon me. Comenity Bank/Lane Bryant closed my credit card account due to inactivity, without my permission. Pursuant to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit. I did not benefit in any type of way from Comenity Bank/Lane Bryant revoking, and closing my credit account. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. This is a federal violation pursuant to 18 USC 876 ( d ). This is attached in the documents of this case. These are just a few of the federal violations Comenity Bank/lane Bryant, and XXXX XXXX have committed upon me.

Company response to consumer: Closed with explanation