BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-06-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
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:
Attached is a letter I received from XXXX XXXX in regards to a data breach that XXXX XXXX was made aware of on XX/XX/XXXX. My personal information was compromised by the data breach. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries and is the result of the data breach : 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 and 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 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX, XXXX in representation for XXXX XXXX and Ive been in an attempt to extend credit to American Express Bank XXXX XXXX XXXX XX/XX/2023 and then again on XX/XX/2023 for XXXX credit card accounts. The bank address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Ive contacted the Chief Financial Officer of American Express XXXX XXXX XXXX via certified mail XXXX times ( XXXX ) explaining that according to the Federal Reserve Act Section 16. Note Issues, # 2 Application for note by Federal Reserve banks. My application I gave the bank with my social security number turned that application into a security collateral and Im owed equity and I can not be denied my extension of my own credit. I sent instructions to the CFO to transfer the credits of the principal balance to the principals account and to open the account. I have not heard any response from the CFO to settle the matter in good faith. Pursuant to Federal Reserve Act Section 29 Civil Money Penalty ( e ) Assessment ; any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected in the case of a national bank, by the Comptroller of the Currency. I have all of my evidence in the attachments below for verification of facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am submitting this complaint because I had XXXX credit card accounts with FNBO. On XX/XX/2022 I received the XXXX letter in the mail that stated they are suspending my ability to make any more transactions with XXXX of my cards. It also stated that to get my spending privileges reinstated that I need to submit copies of my driver 's license, social security card and a recent pay stub. I submitted these items through email and mail but on XX/XX/2022 I received another letter stating that the account had been closed and to destroy the card. I called them to question them about the situation and the reprezentive could not give me a reason why my credit account had been closed. All of my payments where on time FNBO had no reason to request my personal information as this is violation on my right to privacy. Also when they closed this credit card account it dramatically affected my personal credit score and they are also continuing to add interest as if the card is still active. I feel like I am being discriminated against because no one has any explanation to how and why this could happen. I also sent them a certified letter over 45 days ago regarding this matter and FNBO did not reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Affirm 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: Information belongs to someone else

Complaint:
Affirm accounts shows on my credit as an open account i contact affirm they were not able to find an an account under my social i have never authorized affirm to open an account never have any business with them Need this to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified to company to cease and desist back in 2021 and made them aware this was harassing and fraudulent to indicate I the consumer could be liable for this alleged balance and how the FDCPA and FCRA both protect me and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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:
I am reaching out to the CFPB regarding an account that EQUIFAX has allowed a company to place on my consumer report. 

The account has been placed by XXXX XXXX XXXX  under account # XXXX. 

I have spoken with EQUIFAX and written letters via certified registered mail affirming that this company is committing fraud against me. EQUIFAX continues to report this account on my credit report. 

I have suffered great loss due to this discrepancy. I have been unable to purchase a home, get a line of credit or go in the pursuit of my happiness. I have been denied multiple things because of this fraudulent account. This has caused insurmountable financial harm and undue stress to me. EQUIFAX is continuing to financially gain from a business relationship with XXXXXXXX XXXX XXXX at my expense by reporting fraudulent information about me. 

I requested validation from EQUIFAX and XXXX XXXX XXXX. Neither company has been able to present a valid contract with my original blue wet ink signature between myself and XXXX XXXX XXXX  I have never agreed to do business with this company. They have no documentation that they can provide to me that proves any contractual obligation to perform. I don't even have a contract between myself and EQUIFAX that gives them the authority to violate my right to privacy and report this information to companies all over the country. This is doing extreme amounts of damage to my life by inhibiting my pursuit of my own happiness. 

According to 15 USC 1692g, I am to receive multiple pieces of information that would inform me of said debt and would allow me the opportunity to dispute the validity. I never received this. I have requested it via telephone and did not receive it. I have written both companies on numerous occasions and have not gotten adequate response. 

EQUIFAX continues to commit fraud against me and obtains financial gain from a company that commits fraud against me.

They are violating 15 USC 1681 by inaccurately and unfairly reporting things against me, my credit worthiness, my personal information and my character. I have suffered damages because of this. I have been denied my own Credit, which I created, because this company is treating me unfairly by reporting this fraudulent information about me.

They are violating 15 USC 1681b. I, XXXX XXXX never gave EQUIFAX any written consent to report this on my consumer report, no consent is identity theft. I sent in multiple documents proving this was fraud and they continue to damage my consumer report and my life. 

This is my last attempt to resolve this before seeking assistant via the courts as I am a wronged consumer. I demand that this account deleted by EQUIFAX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 This complaint was submitted on XX/XX/2023. This followed the 2nd call that I had with the mortgagee and my HUD Housing Counselor on XX/XX/2023. The complaint was that XXXX XXXX DBA Dovenmuehle Mortgage was not acting in good faith while claiming to work with me on loss mitigation and forbearance on the mortgage and for withholding information needed for payoff. 
You closed the claim as you state the company responded to you? 
Maybe they told you that they sent me an offer and a payoff quote. The only thing that I received was a payoff quote. The payoff was given with less than 14 days to payoff which was including both XXXX XXXX and the XXXX XXXX holiday. 
On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage with a letter inside dated XX/XX/2023. The envelope was postmarked XX/XX/2023. The offer inside for a loan modification without financial evaluation was apparently approved six days before the postmark was printed on the envelope. The offer expired three days prior to my receiving the mailing. 
I've attached a copy of the envelope with postmark and a copy of the first page of the letter. My question is simply this, why not mention this during the second call with the DOVENMUEHLE & the HUD housing counselor? Surely for an approved offer to have been made on XX/XX/XXXX, it had to be in progress on XX/XX/XXXX. 
A loss mitigation forbearance plan is desired, however, one that it would be possible to respond to, accept, and execute would be a necessary for this to be an offer that is more than just " lip service ''. 
I did include another letter/postmark scan just to show how common it is with this company to print a letter but hang onto it for an extended period of time before adding a postmark to the envelope. This letter is dated XX/XX/2023 with a postmark date of XX/XX/2023. This letter sat around waiting for over 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A dispute letter was sent to North American Credit Service Inc in regard to a notice I received calming that I owed a debt. In the letter dated XX/XX/XXXX, I requested the following information : ( 1 ) Validation of debt, original agreement to this debt, detail billing statement, proof that this company has been given authority to collect this debt, and what actions this company takes to protect my personal information in accordance with XXXX. Amount of alleged debt {$1000.00}. As of XX/XX/XXXX NACS has not provided this information which exceeds the 30-day period in accordance with the FDCPA. I have not given said client XXXX XXXX to share any protected personal information with NACS or any other company nor have I received any of the services it claims. I demand that you cease all collections until this information has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: DISCOVER BANK
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:
Dear Discover, I hope this message finds you well. My name is XXXX XXXX, and I am contacting you regarding a concerning matter regarding my credit report. 

Upon a recent review of my credit history, I discovered an entry indicating the possession of a Discover credit card in XX/XX/2016, a time when I was merely XXXX XXXX XXXX. I strongly suspect that this credit card account was established without my knowledge or authorization, presumably by my late father. 

I am writing to formally request the expeditious removal of this erroneous credit card account from my credit report. It is essential to emphasize that I was underage at the time and had no involvement whatsoever in the initiation or usage of any credit card account. 

I respectfully urge your prompt attention to this matter and kindly request your support in investigating and removing this inaccurate entry from my credit report. Your assistance in rectifying this discrepancy would be immensely appreciated. 

Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. 

Thank you for your prompt attention and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( transunion, XXXX and XXXX ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX. is in breach of copyright. Remove all data from the credit reporting agencies immediately.

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 2023-02-01
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. 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 # 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 XXXXXXXX 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 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 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 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 2023-11-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX I leased a vehicle from XXXX XXXX XXXX XXXX on XXXX XXXX, A XXXX XXXX XXXX which they took a down payment from me of {$600.00} that they expressed was going to be apart of my lease/finance charge, that wasnt the case. They also changed paper work information. I applied as principal & they made my co-signer principal. Also in XXXX I traded in the XXXX for an XXXX which they then took another XXXX $ plus & XXXX from the XXXX trade in as down payment not expressing I have 3 days to rescind. They also keep the co-signer on the vehicle before as principal on the XXXX XXXX which I refused. At the time I was unaware of consumer law. Which they have clearly violated on many occasions with me. They made me feel comfortable enough to tell me anything and make me overly stress concerning payments etc. when consumer law express it is illegal for a wholesale or retail to take any money from a consumer. Especially FRNs which according to federal & banking law that form of tender is only to be used by the federal reserve that I am not. 
The XXXX has been paid off due to my social security number. So has the XXXX. They took a cosinger asnd made them principal without knowledge and that cause disruption bet the co-signer and I. They forged signatures as well on sed contacts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX for taking more than XXXX $ monthly in incorrect notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to the chase bank branch in XXXX XXXX XXXX XXXX XXXX, XXXX, NY last XXXX to close my bank account. Its a checking account. The banker who served me is name XXXX XXXX. He just gave me a confirmation that he starts to close my bank account, but XXXX week has been passed I still dont receive any confirmation or notification from chase that my bank account is closed. All my deposit has been taken out since last Monday in that bank XXXX. I sent the banker several emails last week to ask what is going on to my account, the banker refuse to respond to my email since last Monday. I sent an email to the chase bank customer service last Friday to complain about that, the company doesnt reply my email either. XXXX concerned if the bank is going to use my bank account to do any illegal things. I dont understand why he refuse to respond the email of a customer. I also told the banker that card is destroyed last Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2021-03-19
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Beginning XXXX XXXX Synchrony Bank began putting a {$1.00} charge on my card for every purchase made using their card at Amaon.com. This is a new behavior, and XXXX says they should not be putting that {$1.00} authorization charge on my account for each and every purchase. Also XXXX vows that charges for each purchase will not post until the item ships. Synchrony Bank has been posting charges for each purchase before the item even ships.

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