BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Nordstorm store card substantially reduced my available credit from {$10000.00} to {$1000.00}, without any wrongdoing on my part. This caused a change of my debt to income ratio and drop of the credit score, all while I am in the process of mortgage application. I consider this action a manipulation and unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2023-08-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I applied for a credit card through Wells Fargo and was illegally denied. 
After being denied, I send an adverse action letter to Wells Fargo on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. 

As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction.

FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information. 
18 USC 8 defines what other securities are in regards to the US debt.

15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW.

15 USC 1602 ( J ) defines an 'open ended " credit plan. 

I will also send a Notice of Default to Wells Fargo for not responding to my Adverse Action letter or my demands for remedy. 
The only form of communication that I will consent to is written. 
Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I keep disputing inaccurate personal information from XXXX, such as my name, address, phone number, and work history. I only have 1 name, 1 address, 1 phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

XXXX is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from XXXX, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.

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 2023-05-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-04
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2023-03-01
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Central Portfolio Control Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Central Portfolio Control is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX  WV for the amount of {$580.00} as of XX/XX/XXXX. They say that the status had updated in XXXX of XXXX, however, when I had lived in XXXX WV, I was a XXXX  mother and me and my significant other at the time only had 1 vehicle in which he would take everyday to work, in PA. I have done the research and XXXX is XXXX and XXXX minutes ( the quickest way ) from where I had lived on XXXX XXXX in XXXX WV. I have been notified that social media sites are selling personal information, and I am most certain that my information was sold and/or stolen. The ONLY hospitals I ever frequented when I lived in WV were the XXXX I went to when I was pregnant. I started out at XXXX XXXX in Ohio as a family member worked there, but then later switched to XXXX XXXX XXXX in XXXX WV at XXXX weeks pregnant due to the fact it was closer and more convenient for us when I went into labor. I have contacted XXXX to place a fraud alert on my account and to dispute this twice now, once on my own and the second time today, XX/XX/XXXX, with a fraud department representative. This absolutely NOT my debt. I would have no reason to travel over XXXX to a hospital, especially without having a vehicle 98 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 Account # XXXX ( XXXX Account # XXXX ) ( XXXX Accounts XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXXXXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-10-11
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently contacted XXXX 's Special Handling Department to inquire about a collection account that's being reported on my credit profile. I am not responsible for this account, have no knowledge, and have never had an account with that creditor at that address. I asked if the reporting creditor had provided proof of ownership for this disputed account. 
Surprisingly, I was informed that XXXX does not typically request validation documentation. Instead, they rely solely on a response from the creditor, deeming it valid. I then raised a crucial question : How does this process guarantee the accuracy of the reported account information? In response, I was informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting inaccurate information. 
I emphasized that I had already raised this issue with the creditor through the Consumer Financial Protection Bureau ( CFPB ). In response, L.J. Ross Associates Company stated that the complaint did not belong to them. They mentioned the possibility of reopening the request but cautioned that if the creditor responds again with validation, XXXX will continue to report what the creditor wishes. This would leave me with no recourse but to file another complaint.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
For over the past 2 yrs Ive been experiencing undue stress as it relates to the handling of my mortgage payments by Mr Cooper. 
1. Ive been requesting to separate my mortgage payments from my escrow for 2 yrs 2. Application of late payment fees when I was already part-taking in the Covid relief program 3. More recently an outer cycle analysis was done after I made payment on their website for XXXXmy account states unapplied funds. According to XXXX on XX/XX/ my mortgage payment was increase I received no notification. On the date I paid my mortgage the amount to be paid was paid in full 4. I was told that the outer cycle analysis was completed because I requested to make payments separate from my escrow payments 5. I was denied my request to separate my mortgage from escrow - reason given was I missed my tax payment to XXXX XXXX. I asked How can I miss paying my taxes when all payments were being sent to Mr Cooper ever since Ive been with this company Ive been given the run around as it relates to payments and communication, I was promised that Im able to pay mortgage payments separately from my escrow after 12 months of straight payments now its that time and Im having problems again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 AN # XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a checking and savings account in 2019 with Chase Bank, but both accounts were closed without any explanation to why my account was closed. XXXX, I applied for mortgage, I was denied as well even though I have a fantastic XXXX XXXX. XXXX XXXX had a promotion for their XXXX XXXX XXXX card, so I applied. I was unaware the credit card was financed through Chase Bank. I applied through XXXX XXXX website. Initially, I was approved for a credit limit of {$25000.00} due to my credit score. Unfortunately my credit card account was closed later when I tried to make my 1st installment card payment. I called Chase to find out why my account was closed. There was no explanation to why my account was closed. I can only suspect that I have been blacklisted from this bank. If my suspicion is accurate, then it is only fair to know why!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Beginning in XXXX of XXXX I signed up for XXXX insurance on my zales store card. I've made the payments every month, and my billing statements show the transactions. In XXXX of XXXX  I had XXXX that left me out of work for more than 30 days, when I attempted to exercise my benefits I was told I had no XXXX insurance. They began a new policy for XXXX insurance even though I assured them I had the insurance already. I went through multiple stages to try and work with Zales as well as account assure to find my information, but they continue to say they can't find the information and inform me they are escalating the problem. This has been over a month now and they are still saying there is no record of my benefits even though I have the billing statements to prove otherwise. Account assure and Zales are both refusing to honor the benefits that I have put in place, and have continued to fraudulently charge me for my XXXX benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
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 these accounts ( A ). It is not permissible to fail to validate these 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 corrected on my credit file. XXXX XXXX  XXXX XXXX Balance {$650.00} XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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, XXXX and Equifax all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also XXXX inquiries on my XXXX credit reports. XXXX, XXXX, and Equifax have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is negatively impacting my credit score as well as defamation of character, which is affecting me from buying a house. I would liked this fixed, thank you.

Company response to consumer: Closed with explanation