BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Advance America, Cash Advance Centers, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/XXXX I XXXX XXXX maiden name XXXX XXXX took out a loan with Advance America unfortunately I had an economic hardship and wasnt able to payback said loan but today per an Advance America representative they sold my acct/loan to XXXX XXXX XXXX on or about XX/XX/XXXX XXXX XXXX   XXXX on or about XX/XX/XXXX per a Representative hired XXXX XXXX to collect on said account however for the past 3 years around tax time and again today of XX/XX/XXXX another frivolous company a name you cant find anywhere called from # XXXX called stating they were attempting to collect the debt on behalf of Advance America and had my Social Security number and date of birth and amount owed I today XX/XX/XXXX called Advance America and they stated there is a scam going around so I diligently asked if they had a data breach they said NO and advised me to contact XXXX XXXX XXXX which also advised me they didnt have NO data breach and they advised me to contact XXXX XXXX who also advised me they had NO data breach. Please understand this loan being outside the Missouri Statue of Limitations of 5yrs and the Fair Credit Reporting Act of 7yrs and a clear Violation of the FDCPA otherwise known as the Fair Debt Collection Practices Act there was definitely a breach of data with one of these ( 3 ) collection companies falling back to original creditor Advance America as they admit their are scammers calling and there all aware of this occurring but unsure how or why but obviously one of them have failed to advise the FTC Federal Trade Commission of this to warn consumers! This debt is now ( void ) in that its well outside the Statue of Limitations & Fair Credit Reporting Act & one of these ( 3 ) companies violated the FDCPA and consequences should entail a Class Action Lawsuit! And or an investigation by the Missouri Attorney Generals office and or Federal review/audit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've told paypal that they have the wrong name listed and they keep on calling me starting at XXXX XXXX all the way to late in the evening up to seven times a day everyday since XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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:
I was a victim of identity theft and this is my request to remove the information from my credit file resulting from the crime. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the inquiries are UNKNOWN to me. 
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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To, Transunion Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 

1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. Did not consent to unauthorized inquiry. 


Sincerely, 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Applied for credit increase at XXXX XXXX was denied increase because Transunion has my credit score wrong and not updated. My score reported correctly would have increased credit.

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 2020-02-27
Company: Experian Information Solutions Inc.
State: WI
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 saw that my credit score dropped significantly approx. same time Experian had a breach. I have always had EXCELLENT credit as it is part of my job requirements, for 30 years! I saw that XXXX was reporting a charged off amount {$23.00}, the only loan I EVER had with them was a car loan which I took out and paid off early, and received my clear title in the mail. I wrote letters to XXXX  but they said they never received them, Experian said that all they did is report what XXXX told them to and XXXX told me 2 months ago that this was a mistake on Experian 's end and they would help me correct it. I also had to write a letter to XXXX and fax to them so that they could get Experian to correct it. I did that and no response again from XXXX, I called and they told me they'd send me a letter, never got it, called again and they emailed it to me. The letter stated that they investigation was correct and I could take this up with Experian, Experian tells me to take this up with XXXX, I am being led on a wild goose chase and I WAS NEVER LATE on any payments with any Loan or credit card company. I have spend over 1 1/2 years on this and I need some help. I have also been included in a class action lawsuit against Experian for the breach and incorrect information on my report. XXXX has turned out to be inconsistent with their help and facts. I need help please. I will attach the documents.

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 2021-02-18
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing a complaint against Nationstar Mortgage, LLC Mr. Cooper I recently purchased a home on XX/XX/XXXX through my mortgage company, XXXX XXXX XXXX. I completely own this house through XXXX. 

On XX/XX/XXXX, a woman rang my door bell for the second time in 1 months time. She stated that the company she works for is asking for interior check on my newly purchased home and that her company thinks the house is vacant. Both times I told her obviously the house is not vacant since I am speaking with her. 

The first time she came, I spoke with her through XXXX XXXX and she went away. The second time she came, XX/XX/XXXX, I came to the door because she had given me a paper with a number to call. ( Please see attached ) I called the number and no one there is able to assist me with this issue. So, I've called my POC for my mortgage. She stated that this company is indeed soliciting and trying to get me to refinance my home. This is a super weird, unprofessional, and scary way to advertise about a refinance! I live alone, so to have a random person keep knocking on my door about a vacancy on a house that I clearly own is frightening and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On Saturday, XX/XX/XXXX, I received an alert from XXXX  that my FICO score decreased by 10 points. When I researched why, it occurred as a result of American Express reducing the credit line available on one of my card accounts as the card account had been used in frequently. The account is in good standing and I pay all required fees to keep the card current. 

On XX/XX/XXXX, I received a letter from American Express ( mailed on XX/XX/XXXX ) that indicated a second credit card credit line had been reduced again because the card had been used in frequently. This account is also in good standing and I have paid all required fees to keep the card current for more than 20 years. This action by American Express will reduce my FICO score by another 10 points. 

I have no issue with American Express making a business decision regarding their card portfolios -- that is their right. I have a complete problem with being adversely impacted by that business decision resulting in a reduction of my FICO score by 20 points. I am in good standing with American Express, had an excellent credit score which I've worked very hard to maintain. By seemingly doing all of the right things, I am being penalized due to an internal American Express decision process without recourse. American Express has assured me they can not share with the credit bureaus that it was an internal decision that caused this action which had nothing to do with my payment history. 

I'm curious how this can be allowed. It will take me years of " perfection '' to again build my score back to it's previous standing because of arbitrary decisions made by American Express. I would ask that CFPB investigate this practice -- again, my issue is not the ability of American Express to make a business decision for their organization -- it is completely related to being a consumer, adversely impacted by that decision, through no action or fault on my part but suffering the consequences without a way to provide an explanation which would restore by FICO score to its previous standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX I filled out an application for a Pre Approva letter for a mortagage and never completed the application process and on XX/XX/2019 I received credit alerts that I had a new Inquiry to my credit report. Credit Plus pulled my credit report without my consent. The application was never completed and I never authorized for my credit report to be pulled, they pulled my credit report and it had a major impact on my credit score with all 3 credit bureau 's. I have called the XXXXXXXX XXXX who I started the application process with and I have sent an email to Credit Plus who pulled the hard inquiry and still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA law.

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 2020-02-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The latest response from Wells Fargo I already sent to you continues to state than They are unable to provide the name of the third party person that interfered with the appraisal or how it came about.To this I say that is putting this obstruction in providing this information is a class of being a whistle-blower worthy of Rep.XXXX XXXX and his impeachment of the President of The United States of America and we all know how that turned out. Today I received a telephone call from XXXX XXXX from Wells Fargo reaffirming that they will not provide the information because it is confidential Talk about an abuse of p [ power and or authority this is it How do I make you " cfpb '' order Wells Fargo to produce the requested information

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 2022-01-12
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks

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 2023-08-10
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:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.

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 2020-02-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My son ( of which I am a signer on the account ) had two fraudulent checks deposited into his account. The money was subsequently taken out by an unknown person. The bank initially froze all of our bank accounts ( without us knowing ). Since that point, they have not refunded the moneys that were withdrawn nor have they allowed us any access to the accounts. Now they have presented us with a bill of {$800.00} dollars for some unknown reason. Chase Bank has been absolutely no help in either explaining the transaction nor have they been forthcoming as to why he owes more money now. He is out {$1300.00} for a transaction he knows nothing about. What is upsetting about this is that the bank will not help us at all. I have contacted a detective to try and access the video but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is incorrect information on my reports with XXXX and TransUnion pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX, they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, two separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX. Filing this complaint is my last hope to get these errors fixed.

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