BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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:
I have documentation of XXXX XXXX XXXX XXXX XXXX and modyfing information on my credit report after I filed a complaint. I ASKED FOR THESE ITEMS TO BE REMOVED FOR INACCURATE INFORMATION NOT UPDATED. A PROPER INVESTIGATION WAS NOT DONE IN THE 1ST PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report history and seen there was inaccurate information on my account in regards to XXXX I did not sign for nor I did agree to this account being open i am filling this complaint to ask that it be removed from my credit history the account number is 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 2023-09-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo Claims Department Blocked me from making disputes online with my checking account. This is unfair discrimination as other users are able to do this action. They blocked my ability to do this because I filed multiple claims with the bank after my card was used in multiple fraudulent charges.

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 2023-11-20
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Car was returned the same week of purchase thru a fraudulent deal they provided for me. This is showing on my credit as a repossession and effected my personal life and getting calls demanding payment. I do not owe anything. This account been close 2 yrs ago theres no way it should be place back on my credit XX/XX/2023 as I still owe. USC code 15 1662b. Please remove this from my credit report indefinitely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-11-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble with my online account with PennyMac. I cant reach anyone to solve the issue. Endless hold times, and inoperable website. I cant even pay them what I owe them! Very, very, very, poor customer service!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Saturday at XXXXXXXX XXXX I tried to withdraw {$800.00} cash from the XXXX ATM located at XXXX XXXX XXXX in XXXX Ohio. The door on the ATM was unlocked and my ability to grab the cash from the issuing door was limited and I was only able to receive {$220.00} of the {$800.00} cash debited to my checking account XXXX. Police were called and police report XXXX was filed with the XXXX Police Dept. Turns out the machine was wide open and someone had left it open. I filed a concern immediately with the Required dept at XXXX. My case # filed with XXXX was XXXX. Provisional credit was issued, and even though the ATM has been active everyday for the last thirty days since that event, XXXX has done nothing. They have failed to provide any writing any documented updates, and blame a third party vendor who they claim hasnt comfirmed the balances of that day. This is the second time in two years this has happened, and once again Huntington bank is an absentee landlord. We emailed to them video evidence of the event which was reviewed and is available and published on the internet. Yet they do nothing. Please help me get my {$580.00} funds back. Questions please call my cell XXXX. This bank either doesnt maintain its atm network or the vendors it comtracts with to manage that system.m Regardless it is the consumer who loses! cc XXXX XXXX XXXX XXXX, file Signed- XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am on a Homeowners assistance fund application. I was approved and XXXX  paid my loan up to date in XXXX. Then I was switched to Mr Cooper so we had to start all over again. 

Mr cooper is taking their time getting the informaiton to the state of AZ and in the meantime keeps calling me and sending me threatening letters. I told them I am on the HAF and to read the notes. Today XXXX called and I explained to her again I am on the HAF and she said " Well we will continue to call until YOU pay ''. It is them we are waiting on. Mr Cooper needs to get the info requested to AZ so they can pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On my trans u ion credit report there are inquiries on there that I never authorized to be on there, Ive contacted trans union an notified that it wasnt me and remove the injury, they did not follow the fr a laws that stats this 15 U.S.C. 1681b - U.S. Code - XXXX Title 15. XXXX and XXXX 1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



XXXX XXXX BANK XXXX. XXXX. XXXX, 2023 XXXX XXXX XXXX  FINANCE XXXX. XXXX, 2023 XXXX XXXX XXXX. XXXX, 2023 XXXX XXXX XXXX FINANCE XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX BANK XXXX. XXXX, 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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:
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract.. ( XXXX XXXX XXXX XXXX ) are violating my consumer rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Consumer Portfolio Services, Inc.
State: MA
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:
This shouldn't have any balance since this is collection. 

Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NJ
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:
In, XX/XX/2018 I noticed a fraudulent account being reported on my credit report. I disputed the account with the original creditor and the account was removed from my report. Recently I checked my report again and found the information being reported again. This account was opened as result of fraudulence and identity thief. This is a violation of Fair Credit Reporting Act per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations. This account needs to be removed from my credit report 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 explanation
Consumer complaint received 2022-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a Class Action Settlement check at a Chase Bank ATM check deposit on XX/XX/2022 at the ATM at the Chase Bank branch on XXXX XXXX in XXXX XXXX, California. The check was for {$5400.00}, made payable to XXXX XXXX. 
XXXX XXXX XXXX XXXX BENEFITS TRUST. Chase Bank will not return or release the check to me, XXXX XXXX. Chase Bank closed my checking account on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/23, My case was approved for XXXX XXXX discharge. The next day, XX/XX/23, XXXXXXXX XXXX XXXX called with a robot call that told me to press one to make a payment. Then a strange one came in specifically indicating that " we do not have any bankruptcies or tax forms sent or received on this account, so it is still outstanding. " XXXX on both my cell and work phone. So went through the prompts to see who this was and get some documentation about the debt. It was an automated system forcing you to go to a website to pay. They mentioned a different name and XXXX Bank, and then an amount I could not catch. I went to the website and learned by my social security number this collection company was on my credit report. XXXX XXXX XXXXXXXX XXXX. This debtor is all over my credit report. I am also learning and am ashamed to share that my son may have stolen my identity using several different names. I found out when I was trying to buy my first home. I spoke to my attorney, and he just told me that he would send me a notice of Filling Bankruptcy and keep all phone calls, emails, and letters sent so he could take further action while I was filling out this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-12-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge of {$600.00} from XXXX XXXX ON XX/XX/22 was disputed because I returned the product. The company got my returned and promised me a refund. I contacted chase bank. They said the tracking was invalid. I RESENT the tracking because it was entered in the system incorrectly. Chase said they will research Chase never research they said I never sent in paperwork, and I DID XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a continuation of my previous CFPD complaint. I contacted Wells Fargo to change my payment options so additional principle was not being added to my ACH withdrawals. The associate I spoke to assured me she made the updates. A week later, the lender removed the full payment with additional principle, not once but twice resulting in a negative balance in my checking account. 
The Wells Fargo rep contacted me yesterday, however, I do not believe the resolution is satisfactory. Wells Fargo has now refunded my money, however, I have accumulated {$180.00} in fees from their error. I am requesting reimbursement. I have submitted the bank statement to you. The Wells Fargo rep states they do not have the ability to accept email or uploads. Please note, when I applied for my mortgage I uploaded all of my documents so I find it interesting they can not provide the same accommodations now that I am a customer. I am asking you to forward the information along with my complaint as their systems are antiquated. 
In addition, for the my time, the unauthorized and fraudulent use of my account, and the lack of problem solving, I am requesting Wells Fargo pay me at least the same amount they would charge a customer who paid past the grace period ( {$69.00} for my mortgage ) and bounced a check ( {$30.00} ) for a total of {$100.00} in addition to the {$180.00} in bounced check fees my bank is charging me. I believe it is only fair to be compensated for my time, distress, and damages as a result of a creditor 's gross negligence. 
Thank you for taking the time to hear my complaint and working with my lender toward a fair and quick resolution. I look forward to hearing from the lender.

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 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Received Hard Inquiry all 3 credit reporting agencies on XX/XX/2020 from Capital One/Cabellas. Was given a phone number of XXXX, but is disconnected. I did not apply for any type of credit in the last year and this may be someone trying to steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Experian Information Solutions 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:
i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

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 2022-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi I had filed a complaint with XXXX XXXX Bank of America, XXXX XXXX XXXX XXXXXXXX. Bank of America tried to contact me but however, whenever I tried to call back there was no answer and they closed my case. As per the letter I received from XXXX XXXX XXXX XXXX XXXX XXXXXXXX tXXXX XXXX stated that they did not receive any ACH return request from BofA for the transaction. 
BofA has not been helpful at all.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, Trans Union and XXXX has been reporting inaccurating information to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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 items 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 items 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 is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} ; XXXXXXXX XXXX Inquired on XX/XX/2022.

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 2022-06-04
Company: EQUIFAX, 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:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

Company response to consumer: Closed with explanation