BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX incorporated at California inXXXX, we provide international business travel with XXXX cities in nationwide. We started to use XXXX as our credit card processing company in XXXX. The cooperation was good until they held our fund {$830000.00}, swiped from our passengers ' credit cards in XX/XX/XXXX. XXXX said XXXX financial report looked not good since XXXX, required us to provided to them with all our detail management information and business record, including all our tour groups and passengers name lists, flight ticket booking record, hotel list and land operation final itineraries, air ticketing payment record by XXXX company XXXX and by my personal credit cards, my personal credit card payment statement and record, our bank statement to reflect we fully paid for both air and land service to our vendors. But XXXX still terminated our service, and said they go hold our fund in their hand ( {$830000.00} in XXXX plus {$47000.00} in XXXX ) for 3 months then they go release the fund to our passengers but not to XXXX. They already on purposely demaged our business and reputation, and they are going to cause even bigger loss to XXXX, since all our passengers will return from their trips we fully paid for.

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 2019-12-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED  ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. PEXXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.

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 2019-12-08
Company: Experian Information Solutions Inc.
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:
Experian is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-11-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. 
Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. 

Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. 

They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. 

Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Perfection Collection
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, The collection account submitted by XXXX XXXX XXXX/Perfection Collection Collections in the amount of {$1100.00} is not my account, it belonged to my ex husband. I requested this company to validate this debt and the company sent me information reflecting that the account was delinquent in XX/XX/XXXX and written off in XX/XX/XXXX, NO signed contract exists for this account. The Customer billing history submitted reflects the first delinquent balance in XX/XX/XXXX and the account being written off in XXXX, not XXXX as they are reporting on my file. With the dates on the billing history it appears it is at least XXXX years old. They also are unable to provide a signed contract to validate this debt is in fact mine. 

This seems to be false representation and they are trying to use scare tactics to get me to pay an extremely out dated account that belonged to my ex spouse.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
For the last year I am been trying to work with PHH and I am also workin with s law firm. I had a los of income from COVID and PHH just asks for more information and it has been redundant. There is no line of real communication with PHH. They just give us the run around and their staff is totally incompetent sand they should be out out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We, XXXX XXXX XXXX, and XXXX XXXX XXXX are filing a formal complaint against Fulton Bank for refusing to remove XXXX despite the fact that we are at 745 % of XXXX ratio ( below the 78 % ) Home Appraisal was completed by a licensed appraiser ( his license is attached ) that the BANK CHOSE to purchase/settle our new home loan. This was a new construction loan. 

The appraisal is attached. Appraisal of home is {$510000.00} on XX/XX/XXXX. 

Our loan amount is {$380000.00}. ( also attached ) Payments start XX/XX/XXXX I have contacted XXXX and was told that we would need to pay {$450.00} appraisal to remove XXXX- I explained that it was only a week that we had an appraisal on home. They said we needed to pay them {$450.00} for " their '' appraiser to do service. ( XXXX is who hired first appraiser, who was licensed. ) THIS IS A SCAM. 

I have also emailed XXXX XXXX Loan Specialist, XXXX XXXX at XXXX to request XXXX  be removed, and neither responded to the email. That was sent on 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 2021-03-17
Company: LoanCare, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was not notified by Loancare LLC that I was due a payment, and auto-pay was not set up. I have called multiple times, submitted a written request, had lawyers reach out to them with no response from Loancare LLC over multiple month period.

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 2023-09-05
Company: EQUIFAX, INC.
State: IN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 at approximately XXXX someone added themselves to my cashapp account gaining access to my bank account that was linked to the card. They then begin making several transactions up until approximately XXXX. I was unaware of the unauthorized transactions until I received a message. I contacted my bank and was instructed because it was {$1600.00} dollars pending that I needed to contact cashapp to dispute the transactions. I reached out to cashapp and was told that my account would be under review. The person withdrawal all my money from my bank account by sending and receiving transactions on my cashapp. Between {$5700.00} was declined and recieved. {$4000.00} dollars total was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Not fully disclosing my right to rescind Not being clear and conspicuous regarding the finance charge Failing to provide the required notices to consumers for consumer credit transactions Deceptive contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following ITEMS as they are fraudulent & were opened without my consent or knowledge Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX & XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have sent and call Transunion about my credit report 3 times, dispute and they have refused to address my concerns, - Certified letter and e-mail- phone call- The information on the account was paid in full showing 3 different accounts numbers. 
dispute inaccurate, incomplete, outdated and unverifiable items with all three national credit bureaus. ( XXXX, XXXX  and TransUnion ), but Transunion refused to address my student laon.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
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:
JPMCB ( XXXX bank ) has a auto loan date XXXX/XXXX/206 which is XXXX years old and should be remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
RECEIVED NOTIFICATION OF CHANGE OF ADDRESS AND CONTACTED XXXX XXXX ACCOUNTS TO INFORM CHASE THAT I DID NOT REQUEST THIS ACTION, CHASE OPERATOR WOULD NOT TAKE ANY ACTION AS I COULD NOT VERIFY MY ADDRESS, AS THE PERSON COMMITTING THE FRAUD HAD CHANGED THE ADDRESS ALREADY, ASKED FOR SUPERVISOR TO TRY OTHER VERIFICATION METHODS AND WAS INFORMED THE ADDRESS WAS THE ONLY WAY. ( AFTER SEVERAL PHONE CALLS AND ATTEMPTS MADE ) EXPLAINED I AM BASED XXXX WHERE THERE IS NO CHASE BANK OUTLETS. 
CONTACTED THE BRANCH IN XXXX ARIZONA TO EXPLAIN THE SITUATION AND ASK FOR A. BALANCE ON MY ACCOUNT, WAS ADVISED THAT ALMOST XXXX, XXXX HAD BEEN STOLEN.WAS TRANSFERRED TO CLAIMS DEPARTMENT AND SPOKE TO LADY EXPLAINING THE SITUATION ( XX/XX/XXXX ) WAS ADVISED THE ACCOUNT WOULD BE RESTRICTED AND THE CARD STOPPED.PROCEEDED WITH CLAIMS. 
CONTACTED CHASE IN XX/XX/XXXX TO FOLLOW UP ON CLAIMS AND WAS ADVISED THAT THE BALANCE OF THE FUNDS WAS WITHDRAWN! HOW? I REQUESTED THE ACCOUNT TO BE RESTRICTED AND CARD STOPPED YET BALANCE OF FUNDS STOLEN!!! TOTAL FUNDS STOLEN {$27000.00} XXXX XXXX XXXX XXXX AND XXXX DOLLARS AND XXXX CENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Experian is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. I also reach out to the furnishers and they agreed to not report the accounts on my file. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having these accounts with these companies so please DELETE these damaging accounts from my file IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, 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 2023-01-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Customer paid me with a check from XXXX Bank. My bank Wells Fargo put a hold on it for irregular signature. Customer has verified that the funds have been taking out by Wells Fargo. If Wells Fargo has it, why are they waiting to release until the XXXX. They are using the money for themselves before I even see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation