BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2022 I used my Care Credit account to pay {$500.00} XXXX XXXX XXXX of a {$700.00} medical bill.I called the provider ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX because I saw on my online bill that I still owed {$700.00}. I was told that they never received a Care Credit payment on my behalf and that I need to call Synchrony Bank ( XXXX believe they make the payment to the providers ). I called Synchrony and was then informed that payment are none of my concern and that the provider need to called them to handle it. I relayed this info to the provider and they called Synchrony and was told that there was not payment on my account although I saw that there was ( and still is ) a {$500.00} payment. So the provider told me to wait. Fast foward to today ( XX/XX/XXXX ) I called the provider again and was told that they still haven't received a payment and that I should call Synchrony again to see what was wrong. I called them and was told yet again that payment issue are none of my concern and that I could not dispute the payment because it isn't an error on their end. They ( Synchrony ) wanted me to have my provider call them

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 2022-11-19
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:
The Credit Bureaus never did the proper " investigation '' according to the FCRA The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this.

Also, they have violated my rights even more in accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated the law because according to 15 u.s.c 1681 section 602 A. States i have the right to privacy and 15 u.s.c 1681 section 604 A Section 2 states a agency can not furnish without my instructions. I didnt give nobody written instuctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Cottonwood Financial Ltd.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There is a woman who calls me over and over leaves threating messages that she is going to locate me, call my employer ( which they did ), has contacted my family and friends telling them these same threats. I get multiple calls a day from XXXX & XXXX. THE XXXX phone number never tells me where shes from just that she is location services. The XXXX number wont tell me who they are either and tell me the person calling from the XXXX phone number is the XXXX county clerk and I have verified that they arent. The XXXX number wont tell me who they are or provide me with any written documentation. I called an attorney office who contacted both numbers and they said it was a scam and to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Transunion, I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package, FTC Number is XXXX. 
I became a victim of Identity theft, I have obtained my credit report from one of websites that offering free credit report and after carefully researching I realized that some person or persons or maybe organization have tried to applied for credit cards or loans on my behalf. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these unauthorized hard inquires : XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that these listed items be DELETED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern. 
In XX/XX/XXXX I had XXXX and was out of work for 2 months. I became late on my mortgage payments and behind on my real estate taxes. I tried to keep up, because I want to keep my home. 
In XXXX XXXX, I had to cash out my retirement in order to become current on my mortgage payments through XXXX XXXX. I do not escrow my Real estate taxes, and was unable to pay them in XXXX, 0r XXXX Though I was saving my money to bring them current as well. 
In XXXX XXXX, when we went to pay the Real Estate Taxes at the XXXX County Treasury Office, we were told that the XXXX-XXXX taxes were paid, as well as started adding Impounds for XXXX. 
At the same time Nationstar Mortgage, has added an additional {$640.00} to my monthly mortgage payment, I have tried to make my original mortgage payments, and they are putting them into a suspense account and not applying to my monthly mortgage payments. 
On XXXX XXXX Nationstar refused to take my mortgage payments anymore. They wanted {$3600.00}, for XXXX, to come current. when I tried to make that payment they wanted {$6300.00}, and now it is at {$8900.00}. 
I do n't understand how they can do this to me. 
I have tried repeatedly to correct this and then they go ahead and add something else that I owe, Inspection fees etc.. I want to keep my home. 

Thank You XXXX XXXX. 
XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
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 am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

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 2020-09-23
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account around XX/XX/2020 based on a {$300.00} cash bonus for meeting certain requirements. Terms of the requirements are below : 1 The qualifying Direct Deposit ( s )  must be received within the first 60 days of account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as " Cash Trans Promo Reward '' or " Credits Promo Reward '' on your monthly statement. 

2 A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for Virtual Wallet with Performance Select. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits. 

Terms met on XX/XX/2020 and received email acknowledgement from PNC Bank that the required direct deposits had been received. 

When the cash bonus was not paid out by the specified time, I reached out to PNC Bank on XX/XX/2020 via online chat. When I inquired why the cash bonus was not paid out I was told I had not met the requirements and quoted different terms and conditions than previously received in writing. 

I explained in detail that the terms quoted were incorrect and was told a dispute was opened and that I would receive a response within 10 business days. The Bank failed to respond in the specified time. 

Summary : I met the requirements of the bonus, as specified at the time the account was opened, and PNC failed to pay out the bonus. When I followed up, PNC quoted terms that were materially different that the language provided at account opening. PNC also failed to respond with the specified time period that they had established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
Several months ago, I began receiving from Chase billing statements for a credit card that I did not recognize. I contacted the bank immediately to let them know that there might be a mistake - that somebody might have opened the credit card account in my name without my knowledge and consent. Was advised to refer this matter to their ( Chase ) Fraud Department for investigation. It was also recommended by the Customer Service specialist I spoke to that I make a payment on the disputed card/charges to prevent additional penalties from accruing while it is being investigated. As was suggested, my husband remitted to the bank {$110.00} on XX/XX/2020 to pay off the credit card while under investigation. Two days later, after making the payment, I received a letter from the Chase Fraud Department, informing me that they have completed their investigation and that they found the credit card to have been opened without out my knowledge and therefore not liable for it. Based on this letter and the findings of their Fraud Department, my husband wrote 2 letters to Chase, through their Customer Service Department, for the return of the {$110.00} that was paid to them on XX/XX/2020. The letters were mailed and addressed to the bank 's Customer Service Department at XXXX. XXXX, in XXXX, DE XXXX, on XX/XX/XXXX and XX/XX/2020. No response has been received from Chase to date. Request your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting Act, NATIONAL CREDIT SYSTEMS INC ( original XXXX XXXX  XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: FL
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 company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-30
Company: Spring Oaks Capital, LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
orignal creditor was the XXXX XXXX XXXX  this card has changed hands by several dept collection agencys several years ago you sent me a letter stating i did not have to pay this credit card company when i moved i lost the paper work plus im on social security and ssi so i do not feel i have to pay this company now spring oaks refuses to accept this account as agreed by you people that i didnt have to pay this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls every 30 minutes to an hour from the same company using different state numbers. For instance it will call from Virginia then Florida then XXXX then New York etc to my cell phone, my husbands phone and our home phone. I have previoudly asked them to stop calling as They call more then 10 times per day from XXXX XXXX up until XXXXXXXX XXXX  pacific time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Representative gave false and misleading information about a promotional transfer for a 0 % promotional offer for {$10000.00} for which I paid a {$400.00} fee. The company refunded the improperly charged interest, however they did not refund the fee. In addition I have requested that the company refund the amounts that would have accrued to me under the XXXX XXXX card. 

We want our {$400.00} fee back and the amounts that would have accrued to our mortgage if we did not have to close our mortgage Several complaints were filed and improperly closed until the fraudulently charged interest was refunded under case number # XXXX. 

The XXXX fee has not been returned and the cash back amounts have not been refunded. A new complaint for these reimbursements has been filed under case # 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 monetary relief
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: KS
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 am a victim of identity theft and XXXX XXXX  unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.

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