BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB I requested the consumer finance protection Bureau assist me in closing on a mortgage CFPB case XXXX. My complaint was closed after Chase Bank responded with a false explanation of facts and the RESPONSE TYPE was closed with an explanation. 

CHASE bank sent me information on my home loan with two separate loan numbers. I requested payment history for the life of the loan and this is a legal requirement for home lenders to provide. Whether or not Chase Bank was involved with Loan origination, they are responsible for keeping records for the loans they acquired. They also failed to provide a full payment history on how additional payments were applied. 

I was instructed by XXXX XXXX the CEO at the mortgage department to fax all correspondence to XXXX XXXX. I have gone into the branch to fax these documents to this person. Chases responses was that my request for information was not a qualified written request and are improper. This was never communicated by Chase bank in their response to my request. They also claim that a qualified written request or notice of error should be sent to Chase Bank at XXXX XXXX XXXX XXXX Ohio XXXX. Because documents were faxed to the CEO, it is her responsibility is to get these documents to the proper department. Obviously this was not done. 

There are two loan numbers pertaining to my loan and multiple errors made in the application of payments that were not corrected despite me faxing notice of error to CHASE bank. Example, my loan maturation date is XX/XX/2022, my payments are XXXX a month instead of getting credit for additional payments to this loan, the payments were added to my principal and now my loan balance is XXXX vs XXXX.Origination date stayed the same CHASE bank CEO then sent an apology letter stating the bank had made an error in calculating my principal balance but no accounting was provided. I am currently working with an accountant who can verify the validity of my claims. Ex. I sent CHASE bank a copy of my first year of double payments to this loan showing that my principal balance had decreased to around XXXX in XXXX this was not reflected on CHASE documents and they failed to provide me within explanation on how they calculated the principal balance when they did start servicing my loan. I am requesting assistance finding clarification and truth in lending with my loan mortgage payments for the life of my loan, I understand my loan was not originated with CHASE but they should legally have records of entire loan history. 

I would really appreciate CFPB assistance in working with me to resolve these unfair and what appears to be illegal banking processes by CHASE bank. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my balance and closed my accounts 3 weeks early ( XX/XX/2023 ). I see I was charge additional interest fees and when I tried to resolve this with Comenity bank, I was advised that they will not waive those fees. When I did not accept that answer and wanted to speak to a manager, I was hung up on several times and every single person I spoke with only further escalated the issue. They spoke down to me, talked over me, said things like, " the more you speak, the slower I work '' and each and every one of them refused to let me speak to someone higher than that person. They kept saying they would transfer me to a manager only to pass me around to their colleagues. My last interaction one again hung up on me when I asked to speak to their manager and not a colleague for the 4th time. It has cost this company more to speak with me about the finance charges than it would have been to credit them. I have never been treated this way by any company and since there is no other way to report this abuse, I am left no choice but to report it here and with the XXXX ( which I will do after this ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: CFW Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Good afternoon, the company is called XXXX XXXX with the phone # XXXX that is a debt collector for XXXX XXXX XXXX ( XXXX ) have violated my rights as a consumer. This company XXXX called my nephew XXXX, on XX/XX/2020 and told him the case #, phone # to contact them and they were filing the case in XXXX XXXX Texas, that I needed to call asap. I do not know how they were able to know that XXXX was my nephew. Then on XX/XX/XXXX, the company contact my place employment and gave the front person all the information. The case #, phone # and they were trying to locate me to file against me in XXXX XXXX. I called the number, these people will not give the name of the company except " XXXX XXXX '', one lady name XXXX, they could not give information to the safety of their employees. Then she ask me if I wanted to talk to one of their attorneys, then I gave her the case # and she said they were collecting for XXXX XXXX XXXX, payday online loan. Then she gave me the amount of {$2600.00}, and they were going to file in XXXX XXXX and that the judge would side with them. I hung up the phone and call the local authorities to see if they papers to serve and the dispatcher XXXX said no. I talk to 3 people at this XXXX XXXX, XXXX, XXXX and XXXX. They did not leave a name with the front person who answers the phone. I filed it with the Texas XXXX XXXX XXXX XXXX XXXX and XXXX  of South Carolina, both offices said to file it with the Federal Trade Commission. I called XXXX XXXX XXXX and talked to a Supervisor by the name of XXXX XXXX and told him what this collector was doing and that my next step was to get legal and report to the Federal Trade Commission. He said he would call back and to give them 48 hours and no one called. The debt collector is XXXX XXXX XXXX with the number of XXXX that a represent of XXXX XXXX XXXX  gave me. She said that they probably contract the company XXXX XXXX. They have violated a third party disclosure and tell both persons, XXXX and Receptionist the case #, phone # and telling them both they would file on me in XXXX XXXX. Mr. XXXX never called and I called him from XXXX XXXX   XXXX and he did not return my call. So I am assuming the know about the collecting ethics these people use. I will not have no one talk my business to a third party. The receptionist was very discreet, but it did embarrassed me. I did not know what to say.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/2022 a hard credit inquiry was put on my Trans Union credit report. On XXXX XXXX ( XXXX ), this is listed as : XXXX XXXX ( Finance ) In XXXX XXXX 

On Trans Unions website, it is listed as : XXXX XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted XXXX XXXX by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. XXXX recommendation was to contact Trans Union, to find what the exact type of account, because XXXX can not investigate the situation without the full information. 

I contacted Trans Union, and they told me the hard inquiry can not be removed from my account without both me and XXXX XXXX  postal mailing Trans Union the proper documentation to have this removed. I told the Trans Union rep that XXXX could not find anything and could not investigate without further information. The Trans Union rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither Trans Union XXXX XXXX XXXX  seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell XXXX to dispute this as fraudulent. I called XXXX XXXX  back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the XXXX XXXX XXXX. They couldnt give me any further information, and suggested I contact Trans Union. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on Credit Karma and Trans Union. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into Trans Union to get the documentation directly from their site.

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 2021-08-23
Company: Western Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Monday XX/XX/XXXX, XXXX XXXX, I received a call that rang once and then went to voicemail. The number on caller ID is XXXX. The message said " This is Western Collection Bureau. We are attempting to collect a debt. Please call XXXX. '' I saved a screenshot of the call log. I also saved the voicemail message, which had the number to " please call ''. I have received other, different, fraudulent " mystery collectors '' with no known debt, about a year ago. This is the first call, on an unknown debt, if any. I challenged a medical lab on digging up an old, outdated bill for {$20.00}, from a year before ( 2019 ), after finding my XXXX, and sending it to me. It stopped sending me bills. Therefore I guessed that it was either a {$20.00} old, challenged lab bill, a minor, invalid collection attempt with nothing in writing, or a fraudulent phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: PA
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:
To Whom It May Concern : XXXX XXXX and JPMCB- Auto Finance has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts.

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my 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 non-monetary relief
Consumer complaint received 2018-05-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions, Wakefield and Associates has called multiple times, even on the weekend and tried to collect on two different debts that are 9-10 years old ... well beyond the state of Tennessee statute of limitations. They are most likely trying to get the debt brought back from the dead so they can collect. I have tried to stall them off by telling them that I need to verify that this is even my debt because nothing else has worked to get them to stop calling me repeatedly all week long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
WELLS FARGO : On XX/XX/2022 someone tried to charge {$470.00} and I was contacted as fraud I said yes and they declined charge. then on the same day someone made a {$390.00} charge and {$120.00}. Both to stores in the XXXX. As I didnt have enough money they pulled from overdraft protection. As I got charged international charges they took more from over draft. My entire checking was drained and a chunk of my savings was pulled. No one contacted me about suspected fraud. I got an alert my acct hit XXXX balance. I looked and called and reported fraud. They issued a temp credit. After 30 days of Investigation I received a letter that says they had proof the charges were made by me and took the money back {$510.00}. I looked into companies. One was a furniture store in XXXX. I obviously didnt buy furniture in XXXX to deliver to the US as I live in Florida XXXX The other charge was for high end bags and shoes. My most expensive shoes are my vans. I dont carry a purse. I am XXXX. I get paychecks of about XXXX every other week. Losing over {$500.00} means I cant pay rent or eat. This is ridiculous based on the location of the stores and the items they sell. I have not seen the proof but I have requested it.

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 2021-06-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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 belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXXXXXX Balance {$35000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance {$320.00} XXXX XXXX XXXX  XXXX Balance {$520.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$960.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX BEST XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX CA XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX LL Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.

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 2023-05-10
Company: LEXISNEXIS
State: GA
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:
I file a complaint with LexisNexis to removed incorrect information from my credit report on XX/XX/2023. It has been 30 days since I submitted my request. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against this issue.

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