BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: TX
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/FOR. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022 ) 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-23
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: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Solutions ( Original Creditor : XXXX XXXX ) Account # 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 2020-08-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Wells FArgo XXXX XXXX. I provided all the required information and uploaded to the secure Wells site. An XXXX XXXX requested additional information on my partners start up business which I do not have and XXXX said I do not need, multiple times. XXXX staed that XXXX XXXX {$290.00} in income would not need to be disclosed due to my assets and XXXX plus revenues generated YTD in addition to the large escrow amount accumulated.Since XX/XX/XXXX I have left 9 emails and or messages with XXXX without one return call or email from her. I contacted her manager XXXX who said I need to speak with XXXX although she is XXXX XXXX  supervisor. XXXX claims that due to Covid the rules have changed and that I should not listen to XXXX. I am the CUSTOMER and was directed to supply information by a Wells employee that I should not listen too????? XXXX claims refinance is dead in water and he would escalate to Executive Office. I received a call yesterday from XXXX at EO and he said would look into everything and send me his contact information. Contact information never received! XXXX calls me at XXXX last night to tell me she was in XXXX XXXX with her daughter and that is why she never called back when she said she would. XXXX also said she was mistaken and did not know the rules changed, additionally stating just make up the numbers. Seriously!!!!!! I received a call today from XXXX at EO after I sent many messages to XXXX asking what is XXXX contact information. XXXX states XXXX no longer handing now an XXXX at EO is in charge.Wells continues to mislead customers in ways that are unacceptable and cost resistant. If customers are not to listen and trust Wells employees with sensitive information than they should not be speaking to customers. This entire process has been misleading and misrepresented the entire journey. The number of hours I spent trying to contact Wells employees has been detrimental to my health and XXXX revenue.

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 2016-05-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan servicer, NationStar Mortgage, blindsided me by applying principal payments to my mortgage without any notice. This came on the heels of an interest rate increase, and the two combined make my payment 150 % of what it was previously, which is a significant increase and causes a financial hardship for me. 
Apparently, my note was interest-only for 10 years or XXXX payments, so they are within their rights. However, I would expect a reputable loan servicer to make sure their customer was aware of this type of increase well in advance. To expect a consumer to remember a change 10 years after signing the note is not reasonable. 
Furthermore, at NationStar 's behest, I have been paperless for a while. Each month, I receive email notifications of payment due and paid ; these have been the same for so long, there 's no reason to look at statements without being alerted of a change. I have my notifications set to alert me via email of changes in escrow, interest, etc. In the past, I have been notified of interest rate adjustments via letter and/or email so I know to expect them. In this case, I did NOT get any type of alert about the interest rate increase, and I also did not receive an alert about the application of principal payment. 
When I started investigating, I found a XXXX interest rate change announcement buried in my online Billing Statements ; apparently a notice in Billing Statements does NOT generate an alert to the consumer. In XXXX, they confirmed the interest rate increase and also inserted the principal payment. Again, there was no alert, and therefore no reason to review the online Billing Statement which has been consistently the same for so long. 
This practice seems incompetent at best and underhanded at worst. To add insult to injury, they consistently and annoyingly solicit me to refinance my loan ... and this is after I have already spoken to one of their loan officers who admitted they are unable to help me because they do not have access to accurate info on my property. They claim this is a " problem '' in Texas, so my question is, why do they keep bothering Texans with advertising and solicitation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a U.S. citizen with a valid passport travelling abroad. I received a letter approx. 2 weeks ago at my virtual mailbox in the U.S. that Capital One requested I update my physical address or that my account would be limited and closed. Upon receiving this letter I immediately called the bank and after speaking with several people, including a manager, they allowed me to use my mailing address as my physical address and ensured me that my account would remain open. This is on a recorded line. A day later, my account was closed and I am unable to access my funds. Mind you, I have 2 credit cards with the same bank who are also aware I am outside of the U.S. travelling abroad and allowed me to keep the credit cards open. This is not justifiable in any way, shape or form. I now risk becoming homeless in a foreign country because I can not access my funds and the bank wrongfully closed my account. I am in the process of contacting a consumer protection attorney as well. I would appreciate if you can look into this immediately. There is a recorded conversation of the bank manager authorizing me to use my mailing address as a physical address with her ensuring me the account would remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: White Jacobs & Associates
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I began services about 6 months ago with XXXX XXXX XXXX. I was guaranteed in 6 months the items I had on my credit report would be removed, I would get frequent check ins and all sort. I even signed a contract and in that contract It stated I could not work on my credit or reach out to these companies as they were supposed to be disputing these items. I have paid over XXXX dollars over these months with a fees of XXXX dollars for changing my payment methods. Still not a single item has been removed, I don't get follow ups as promised. I have to email and reach out. All I have been doing is paying this company, with no true results, I am at 6 months ready to purchase a home and my credit is right where it was with the same items. I am requesting a full refund and this company be reviewed for fraud. I don't understand how they can operate like this. I will file other complaints as well. With the amount I have paid them I could have used to dispute these companies myself.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX ( Date Opened:11/29/2018, Balance : {$400.00} ), XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened:XXXX Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the TransUnion. I also have the certified mail receipts that I can provide if necessary.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.

Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: SC
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2023-09-28
Company: OneMain Finance Corporation
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I made a payment of {$1800.00} against a balance of ~ {$1900.00} on my One Main Financial XXXX card with a credit limit of {$2000.00}. As of Thursday, XXXX XXXX, my available credit was only {$15.00}. Clearly this was a mistake, right? I had not only paid my bill early, I had nearly paid it in full. I called One Main Financial hoping to quickly resolve the matter, but ended up talking first to XXXX, then XXXX. I hung up before I got transferred to XXXX. Not a one of the stooges could explain why my credit line wouldn't be released until XX/XX/XXXX. Why? THEY HAD MY MONEY!!! WHERE IS MY CREDIT??? I depend on my card to buy groceries and food for my family. I had a transaction DECLINED ( very embarrassing ) because even after paying my bill early and nearly in full, One Main Financial decided it would be more fun to hold onto my money for a week so I couldn't take care of my kids. They way it works is, you pay your bill, you have access to your credit! What is with this rinky-dink operation? I have never experienced a more customer-unfriendly, useless " customer service '' department. They need to change their policy so that when you pay your bill, you have access to your card! And I would very much like an apology for the embarrassment I suffered with a declined transaction even though I had PAID MY BILL. If I knew then what I know now, I would never have gotten involved with this sham of a " bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, Inc.
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/VICSCRT Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XX/XX/XXXX while sitting in my office in XXXX MI Capital One called me and stated that there were 6 charges being made right now at a XXXX store in XXXX XXXX MI. Total amount {$3000.00} The total was done as follows : {$500.00} {$500.00} {$530.00} {$500.00} {$500.00} {$500.00} Of course it was fraud I said shut it down. They removed the charges only to put them back on because when a Capital One representative and myself spoke to a XXXX fraud representative he argued the credit card had a chip so the charges could not be fraud. An actual card was used. That means nothing. Cards can be made and are not checked against ID at this retailer. Since XXXX I have had this on my statement. They refuse to remove charges permanently. I have talked to both XXXX and Capital One without resolution and without the removal from my statement and credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXXXXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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 an 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