BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain Run solutions is trying to collect on a debt from " XXXX XXXX XXXX '' for {$4000.00} from me. I have never done any business with Mountain Run Solutions or XXXX XXXX XXXX in my life. I've reached out to Mountain Run Solutions and XXXX XXXX XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe Mountain Run solutions or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against Mountain Run solutions and XXXX XXXX XXXX for violating my rights under the FRCA.

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 2021-01-24
Company: ALLY FINANCIAL INC.
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: Information belongs to someone else

Complaint:
ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY XXXX  CREDIT REPORT..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Saturday XX/XX/2019, my husband and I went to a Chase bank branch asking to close both of our individual checking accounts and to consolidate all of our funds in to our joint checking account. The funds were initially transferred with a promise of the accounts being closed on Tuesday XX/XX/2019. But on Wednesday XX/XX/2019, the funds were returned to our old primary checking accounts, which appear in our online banking. We try to transfer those funds but are told by the Chase website that we can no longer access that website. I would like the a accounts to be closed and the funds to be transferred. My account still holds {$20.00} and my husbands account still holds {$25.00}. Please assist in returning those funds to our joint account and closing the individual accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was recently the victim of identity theft. I have therefore been regularly checking my credit reports online through XXXX. However, for several months now, despite initially being able to access my Equifax report online, I now regularly get a message noting that my report is not available online and instead I have to request a report by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I got a Best Buy credit card with the purchase of a washing machine. I also got about {$75.00} in Best Buy refund dollars. I went in to the store in XXXX to but a {$55.00} item, i asked to have it applied to my {$75.00} of refund points. The cashier put it on my credit card. When I called Best Buy to fix the issue ( called a couple times ), they sent me from person to person, then put me on terminal hold twice. I am pretty sure there was no one in that department. I was never asked to leave a message. I finally got fed up and paid {$59.00}, including interest. then the next month i got another bill, this time for {$28.00}. the interest for {$55.00} over the period of 1 month was {$32.00}. I paid off the card and closed it. the stated interest rate was 25.24 % ( i was a little surprised ) but that does not account for {$32.00} for a $ XXXX.I was not late, and this was during the COVID19 grace periods. Best Buy made no attempt to help, or figure the issue out, just let me sit on hold and occasionally talk to an employee who was unhelpful.

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 2017-08-11
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER - XXXX XXXX XXXX - I DO NOT WORK AT THIS ESTABLISHMENT AND NEVER HAVE. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX MAIN - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX BANK NA - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY XXXX XXXX GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

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 2017-12-10
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have previously filed complaint and they did respond but with their response they stated that one of my accounts with them could stay open as it was opened after initial filing date of chapter XXXX bankruptcy. I did call and leave a message, got a return call missed it, called back and still after a week or more no return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have filed a dispute with the three credit bureaus ( Trans Union, XXXX, and XXXX  ) about unverified accounts or inquiries reported on my account. 

I have mailed and faxed the necessary information needed to identify my account their failure to positively verify, through the physical verification of the original signed consumer contract, these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, the listed above credit bureaus must remove the accounts and or inquiries.

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 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion- I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX , XXXX  XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2020-05-22
Company: EQUIFAX, INC.
State: AR
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 informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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 is not yours

Complaint:
To Whom It May Concern, THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED in Federal Court. XXXX XXXX   XXXX, XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have ftiled a complaint with the XXXX   and CFPB ( last case # XXXX ). My XXXX   complaint was closed when Portfolio Recovery said they would cease collection efforts, unfortunately that was not the case. I filed a complaint with the CFPB and Portfolio responded and included personal documents of someone else ( I have attached what Portfolio provided, I am sure Mr. XXXX would not be pleased Portfolio provided me with his personal information ). I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX  XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. Furthermore Portfolio is not even licensed to collect in my state. I will continue to document my efforts to get this issue resolved and seek litigation if I need to. 

Portfolio is in violation of the following : XXXX Not validating this debt yet continuing to pursue collection activity. 
* Not validating this debt and continuing to report to the credit bureaus. 
XXXX Pursuing collection on a debt without being licensed to collect in my state. 

I am protected under FDCPA Section 809 ( b ) & demand ( 1 ) all collection efforts cease, ( 2 ) removal of this debt from all 3 credit bureaus, ( 3 ) {$1000.00} fine for each of the above violations ( totaling {$2000.00} ) Please do not merely think you can provide me with bills like you have provided for Mr. XXXX, I am aware of my rights. I am not willing to play back and forth games and will pursue damages to the extent of the law. I have documented all of my efforts & have saved all of Portfolio 's responses, which include someone else 's documents. I expect a resolution within 3 days. I have emailed countless times directly to Portfolio Recovery & have gotten the run around or simply been ignored! Portfolio Recovery 's disregard of my complaint and negligence in providing another person 's documentation is very unsettling & I do not trust my concern is being properly looked into. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer attempted to extend themselves credit through XXXX XXXX XXXX. On XX/XX/2021 the consumer was denied because of color violating 15 usc 1691. XXXX XXXX XXXX admitted that Equifax Information Services helped them come to that decision. I have never consented to Equifax Information Services sharing my information pursuant 15 usc 1681b ( a ) ( 2 ). This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, and whoever else it may concern including Equifax Information Services to cease and desist. If there is a inquiry or adverse action on the consumer report, block and delete it now or a criminal complaint will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: AMERISAVE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Amerisave about refinancing my home. I was given a approval by Loan officer XXXX XXXX Loan Originator NMLS ID # XXXX, PHONE XXXX. He notified me on XX/XX/XXXX that I was approved and they would be refinancing my credit cards in the mortgage so I did not have to worry about my debit to income. He stated that in order to lock my rate in I needed to pay XXXX. Which i did because he told me i was approved. I am now receiving calls from underwriting that there is an issue with my debt to income and need to put more money down. BAIT AND SWITCH. I have also been told if i dont I will not get my deposit back. help me please

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX  # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-04-26
Company: EQUIFAX, INC.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX  # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Bread Financial Holdings, Inc.
State: CA
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:
Since XX/XX/XXXX, purchases made showed as pending transaction. The vendors received full payment and Comenity Bank refuses to remove the pending status even though they also show posted. I have tried on numerous occasions to address this situation with Comenity customer service. Their response is they see the pending and posted charges but they can not remove the pending status. The pending status will remain until XX/XX/XXXX and some until XX/XX/XXXX. They have no answer for the incorrect posting and refuse to allow me to contact any person or entity beyond customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
this complaint is against Wells Fargo bank my account # XXXX i was and am going thru tough money times ) i got divorved at age XXXX __ -- this was m not planned i have acumilated {$180.00} in late payment charges and was never offered to have a payment defered.i was only informed of a payment deferal thru my current debt resolution company ) XXXX XXXX XXXX= i am NOW current on my truck payments after defering one payment.wells fargo let me accumilate {$180.00} in late chatges two years of late charges than offer me a soluction by defering a payment or lowering my intrest rate ) 10.9 % wells fargo is greedy and prefers getting two years of monthly late charges than to OFFER me a payment deferal .I want wells fargo to remove ALL my late charges for being deceptive by ommision thank you

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 2023-07-15
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX OF XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXPer section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 





Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation