BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
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:
Hello. This is not filed by a 3rd Party or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account 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 2022-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen in XX/XX/XXXX. I discovered it XXXX XXXX, XXXX and notified the 3 major credit bureaus and every single institution that ran a hard inquiry or opened an acct. I did both online and by sending letters via US mail. I also placed alerts and freezes with all 3 agencies. I filed a report with FTC as well. 

Unfortunately, XXXX XXXX XXXX issued a fraudulent acct. with my stolen personal information due to lack of diligence on their end. Fraudulent charges of $ XXXX were charged in my name. This dropped my credit score from the low XXXX to XXXX and placed me in a " poor credit '' category. This affected both my personal life and my XXXX XXXX 

After several months of following up with XXXX XXXX XXXX XXXX, they finally issued a letter stating the account was not mine. They also said that they notified the 3 credit reporting agencies to remove the account and hard inquiries. XXXX XXXX and XXXX have done so. Equifax has not removed the fraudulent account despite both XXXX XXXX XXXX and myself requesting it. 

Equifax 's online system does not allow me to upload the letter from Consumers requesting the fraudulent account be removed or the additional back up emails that I have confirming the account was opened with stolen personal information. I have tried to reach them by phone but the hold time is unreasonable. 

I am requesting that the fraudulent account and other hard inquiries obtained from XX/XX/XXXX - XX/XX/XXXX be removed and my original credit score be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX ...., has violated my rights XXXX  XXXX XXXX ...., Has violated my rights XXXX XXXXXXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

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 2022-04-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, 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:
Around XX/XX/2020. I purchased a car from XXXX  XXXX  XXXX  on lease. The car was totaled out and the insurance company paid the car off in full. Well I pull my credit report and their reporting I owe full price for this car. Saying that I owed a {$500.00} deductible That I knew nothing about. This car has been paid for these people are scamming people out of money and its not fair. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Bread Financial Holdings, Inc.
State: TX
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 contacted CCB/HSN about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported unauthorized transaction on my debt card to Wells Fargo bank on XX/XX/12 and was issued a temporary refund in the amount of {$3500.00}. I called Wells Fargo by the ends of 30 days and was told the refund is completed and case closed. I had a missed call from Wells Fargo Friday at XXXXXXXX XXXX on XXXX XXXX, I called back Monday XXXX XXXX and was asked that the business has your info, do you still believe the transaction is unauthorized? and I said yes, I have a receipt from the business that I paid the charges and I also told the bank that you told the case closed. Later on XX/XX/XXXX, I received a 2 line letter stating that the amount will be reversed on XX/XX/XXXX. I called many times and complained but they kept telling me the case closed with no explanation of any kind as it why and what happened to the legal time frame of the dispute. Now my account is negative {$3700.00} with fees.

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 2021-04-26
Company: EQUIFAX, INC.
State: MN
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX a fraudulent wire transfer was made from my savings acct in the amount of {$9900.00}. I immediately contacted USAA Federal Savings Bank. I have since called USAA everyday to only be given the run around that a Fraud Specialist will call me and have yet to receive a phone call. In addition, I have not received any correspondence stating the actions that have been taken. Through verbal conversation I was told the review was completed on XX/XX/XXXX. It is XX/XX/XXXX and when I called USAA they have no additional information. One representative said I should receive a refund while another will say I may not receive a refund. I have not been given any clear answers or guidance. Everything I do know has been through phone conversations when I have called them. When asked to speak with a supervisor I am told there aren't any available. This is not acceptable customer service and has caused me unnecessary stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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:
I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2021-03-15
Company: CURO Intermediate Holdings
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XXXXapplied for a personal and received a call from a loan specialist. He stated he needed more information to ensure the loan will be approved. He then called back stating he was still working on my loan and that he wanted to perform a cash credit booster to y score and I asked him to explain the process too me. He stated he would be making a one time deposit into my account and I would need to forward that money to him before they would provide me with the funds that I was approved for. I was reluctant and said ok go ahead and make the deposit. Then I received an email from XXXX  XXXX support stating they had received my dispute and that all was under investigation. The loan officer continued to call Even after I blocked him and all the additional numbers he was calling from. I then noticed I couldn't access my account due to password being changed. He had reversed a {$330.00} water bill payment and a {$180.00} XXXX payment and 7 return check fees totaling {$760.00} which in turn interefered with me making it to see my landlord on time and now I am evicted and told to vacate premises by XX/XX/21 due to owing landlord {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called on XXXX XXXX, 2021 informing Chase Bank that there were fraudulent charges on my account. XXXX. There were 7 fraudulent charges totally {$910.00}. Chase bank cancelled my card and said they would reverse the charges. But after a so-called investigation, which they never asked for information from me, they told me that I was responsible for one of these charges for {$100.00}. And told me they would take it out of my checking account on XX/XX/2021. They gave me no information on appealing this decision. My XXXX XXXX credit card had 6 fraudulent charges as well for a total of {$590.00}. All but 2 charges were reversed. And XXXX XXXX said they were not fraudulent ; one charge of XXXX and the second for XXXX. Mind you XXXX XXXX has a 0 liability for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper took over as loan servicer for my mortgage beginning XXXX of 2022. Since then, they have been fraudulently withdrawing money from my checking account through XXXX transfers. I have never authorized any XXXX transfers to Mr. Cooper. They said they " transferred '' the XXXX I had established with the previous loan servicer but charged me a different amount. On XXXX they withdrew {$1500.00} from my checking account and applied it to the mortgage payment. They also withdrew an additional {$620.00} and applied it as additional principal. I never authorized this amount, with Mr. Cooper or with my previous loan servicer. 
On XX/XX/XXXX they made an additional XXXX transfer from my checking account in the amount of {$2100.00}. {$530.00} of that payment was applied to interest which did not accrue on the account as it was just paid in full 10 days prior.The rest was applied to escrow and principal. 
When I received notice of the XXXX withdraw, I contacted Mr. Cooper through their online chat. I informed them of the XXXX transfer, that I never authorized this, that my account was already paid in full, and the payment needed to be cancelled. They refused and told me I need to wait for the payment to clear my account and then request a refund through the supervisor. I did this today, XX/XX/XXXX, was told I needed to submit proof of the payment clearing my account and I sent proof of that transaction from my bank account statement. I was then told that was insufficient and that they needed to see my account balance to show it isn't negative. Mr cooper has no right to demand I share my private financial data with them before returning funds they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX and XXXX XXXX defrauding XXXX XXXX and XXXX Veterans during the pandemic. Illegally withdrawing money from my XXXX XXXX  account causing me to lose multiple cards. Asking for 5 copies of my signature, asking for y medical insurance account information. garnishing my XXXX, garnishing my social security, refusing to credit my account. locking my account. Non-compliant for over a year on emails, phone calls, inflating the bill in front of law enforcement by over {$1500.00}. 

THESE PEOPLE NEED TO BE IN JAIL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-04-28
Company: Experian Information Solutions Inc.
State: VA
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:
Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : 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.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 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 explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
So the card in question had a XXXX % interest rate promotion. It was about to end so we called in XXXX to get the date it needed paid to avoid interest. We were given a mid XXXX deadline XX/XX/XXXX or XX/XX/XXXX, only to find interest charged on the XXXX bill. We called, explained, and the credit card company fixed the issue, begrudgingly saying this was a one time courtesy. Right after that call, we paid the balance in full and figured we were set because we had no further balance and again, originally given the wrong promotional end date. If we were given the correct date, all would have been paid immediately. 

Fast forward to XXXX now, we received only an interest charge on a XXXX balance ... and the credit card company will not remove it claiming we need a XXXX balance for two months and that the promotional XXXX interest ended in XXXX, except we were told mid XXXX and they supposedly record everything so they have the customer service rep telling us the wrong date. How can I pay something if given the wrong date and info ... their statements never mention the date the promotion ends, either. 

I am now forced to pay the XXXX interest and late fee ( {$130.00}, {$29.00} of it a late fee ) to keep my credit good ( we were not expecting a bill on a XXXX balance card ). If not for the credit card company giving us the wrong date, there would be no interest or late charge, they agreed with this on the latest call, except again, according to them the interest accrued because the promotional period ended. This is true, but we were told XXXX. They can't tell us XXXX and cite the promotion ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
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:
The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.

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