BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Persolve, LLC - Legal - Series 2
State: KS
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:
Persolve nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment, Persolve must hold this licensure and be registered through XXXX. Persolve has accessed my nonpublic personal information, almost daily, to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor is Persolve properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. If a lender takes assignment, it must file notification and be licensed as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Persolve has been requested to cease and desist all communication and delete this unlawful tradeline. Persolve has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Persolve has no authority. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Persolve alleges to have. A complaint with the OSBC has been filed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, CHASE closed my bank account without any reason on XX/XX/XXXX and promised to return my balance of around {$12000.00} via a check within 10 business days. However, it has been almost six months now and CHASE has yet to return my balance to me. Despite my numerous phone calls and visits to CHASE, I have only been told that they are still investigating the matter. I am puzzled as to why they are able to hold onto my money for such a long period of time, and I would like them to return my money as soon as possible. Today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CL Holdings LLC
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX to transfer money for a condo rental. Once I realized I was scammed I immediately called Citizens Bank to cancel the remaining g amount of {$950.00}. I received. Confirmation number and was informed it was cancelled. I then discovered citizens paid the amount to the scammer even after I cancelled. They will not refund my {$950.00}. it from another one of my accounts which I did not authorize when they, citizens suspended the transaction. 
I filed a police report who requested I call back with more info from the bank. The bank did not contact XXXX XXXX XXXX  to notify them of this fraudulent activity with their account holder. They help the criminals by not reporting for investigation. 
They took my funds AFTER it was cancelled with a cancellation claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not request any kind of fraud alerts on either of the credit reporting agencies and I'm demanding that any and all fraud alerts be removed immediately from my credit data, name, and report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WESTSTAR MORTGAGE CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage lender is WestStar mortgage. I signed up for auto-pay to have my mortgage payment of {$1900.00} be taken out on the first of each month. It is now XXXX, and my payment has yet to be withdrawn from my checking account. Ive tried going to the mortgage lenders website which is non-functional, tried using their contact us link on their web-page which doesnt work, emailing several customer service and complaint lines, calling customer service ( where I received word that their voice mail box is full ), and reaching out via social media without response. My statement says that if a payment is received after XX/XX/16, there will be a late fee, and I dont want any fees added because they are negligent with my auto pay. 

Our original mortgage provider, XXXX, sold the loan to WestStar Mortgage after we refinanced without us knowing until we got a statement in the mail from WestStar, and weve been very unhappy with our provider ever since then. They shouldnt be a company with how poorly they manage things and how dated their online services are.

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 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Attached is identity theft report with the following fraudulent inquiries listed below Equifax XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
These are the accounts that were opened fraudulently and I am asking that they be closed and removed from my consumer report entirely. 

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 explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed accountis updated. 

XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$26000.00}

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 2018-04-17
Company: 1st Franklin Financial Corporation
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, First Franklin financial agreed to remove an inquiry off of my credit report ( complaint number XXXX ). To date the inquiry is still appearing on my XXXX credit report and I contacted XXXX today and they informed me that they havent received anything from First Franklin. Please mail me a copy of the letter that was sent to XXXX  to remove the inquiry from my credit report and resubmit it it to the 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 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2023 I SENT WELLS FARGO AUGTO AN AFFIDAVIT OF DENIAL TO WELLS FARGO IN REGARDS TO A " LOAN '' THAT DOES NOT BELONG TO ME. I REQUESTED AN AUDIT TRAIL OF ALL ACCOUNTING OF ORIGINATION OF UNLAWFUL MONEY THAT WAS ALLEGEDLY GIVEN AND AN AUTHENTICATED VERIFIABLE CONTRACT BEARING MY WET SIGNATURE. THEN ON XX/XX/2023 I SENT THEM A NOTICE OF DEFAULT WITH AN OPPORTUNITY TO CURE BUT THEY FAILED TO RESPOND AND CURE. I DEMAND A LIEN RELEASE AND WILL SUBMIT WELLS FARGO TO THE IRS FOR SUSPICION OF FRAUD IN ADDITION TO NOT BEING HOLDER IN DUE COURSE OF THE NOTE. THEY ARE TRYING TO COERCE ME AND EXTORT ME IN EXTENSION OF CREDIT AND THE CEO SHOULD BE JAILED FOR VIOLATING 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 explanation
Consumer complaint received 2020-04-24
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original debt was to the apartment complex that I lived in. I was a victim of a violent crime and the Texas Attorney General 's office took care of the balance owed. Appropriate documentation was sent to facilitate this process. The listed collection agency continues to pursue a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We want to report complaint for the CHASE bank. 

We mailed out a check to our vendor, and the check got stolen and cashed by a thief over the ATM machine. The thief cashed the check around XX/XX/2021 and the check amount is {$32000.00}. When our vendor called us and said they did not receive payment, but bank statement showed the check was cashed. We realized the check was stolen and cashed. We immediately contact our bank and we had to go through many departments to talk to the right person. We report the issue to Chase credit fraud department, and they said the thief cashed the check in XXXX XXXXXXXX ATM, so they are not responsible for fraud and can not return the money. We have to call back and forth many times between CHASE and XXXX XXXX. Then Chase said they will open case for investigation. After almost a year, they said the case was missing some information and it will be closed. Unless we send them new information. They want a police report from us, so we went to police station, and police department suggested us to report the letter stolen from the USPS to ahve their own police department to do the investigation. We report the issue from The USPS and have the case number. They will conduct the investigation. But CHASE did not perform their due diligence. First, the thief 's name is different from the check, and they did not verify. Second, they did not verify the signature. And they try to excuse themself from this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I continue to receive mail, addressed to the former resident of my house, from TD Bank ( credit card services ) even though I have been living here for over 5 years. Their customer service claims they are unable to fix the issue. I do not know if it is just junk mail or legitimate communications they are trying to reach their customer. They directed me to their marketing opt-out hotline, but I refuse to give them my social security number just so they can fix their own customer database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed bankruptcies on my credit report with Transunion, XXXX and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. TransUnion, XXXX and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.

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 2023-10-09
Company: Atlanticus Services Corporation
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, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX Fortiva Credit One

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX i used my debit card to pay {$560.00} for a rental car service threw third party booking company called XXXX For the dates of XX/XX/XXXX XXXX XXXX XXXX from rental car company XXXX XXXX  when i arrived at the rental company they told me the car i paid for i was to young to rent, they told me my money was transferable to any car the have available, but they didn't have any other cars on the lot they didn't have any cars available for me and to request my refund from XXXX, XXXX denied me a refund. I requested to dispute the transaction with XXXX from my bank, chase bank, and submitted copy evidence of XXXX refusing to refund me and provided substantial proof and along with XXXX refund policy, chase bank looked over the documents XXXX sent to chase and denied my transaction dispute, favoring XXXX. I requested copy of documents XXXX sent to chase claims, and it was only a screenshot of the order confirmation, but was also told by XXXX claims they can not accept my documents of XXXX chat because they where screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have attached a copy of a screenshot showing Ally advertising the interest rate being 2.25 % when you can see that it is actually 2.225 %. This is a small part of a big problem at Ally Bank. A 5-minute wait is too long ; never mind the XXXX minutes I wasted waiting on XX/XX/22 to speak to an agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: MS
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:
Experian has not in compliance with CFPB because after numerous times of disputing an account on my report the have yet to correct the problem. My XXXX XXXX account is showing 60 days on Experian but XXXX and XXXX both show it as paid as agreed. DATES OPEN do not match, Account details do not match, High credit does not match, Credit limit doesn't not match, Payment status does not match, Last reported does not match, Date of last activity does not match, Date of last payment does not match. Also the comments definitely do not match. XXXX has dispute resolved reported by grantor. XXXX has closed or paid, XXXX balance, account closed by grantor. EXPERIAN has dispute resolved reported by subscriber. How can this be true when 2 other bureaus have it closed and paid as agreed by the grantor. I count 9 violations in total. 9x {$1000.00} = {$9000.00} that should be paid to me as a result of uncorrect information on my credit report. 

15 U.S.C 1681 SECTION 604 A SECTION 2 clearly states a consumer reporting agency can not furnish a account without my written consent.

I clearly didn't give them consent to report this account and nevertheless inaccurately.

15 U.S.C 1681 SECTION 602 A states that I have the right to privacy as well.

This is clearly an invasion of my privacy. It is also hurting me financially.

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