BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have no acknowledgment of a inquiry I received recently Im currently in the process of fixing my credit an now I have a hard inquiry for something I never applied for with all three bureaus I have filed a dispute an they did absolutely nothing I need this inquiry removed ASAP PLEASE AN 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not finish a account without written instructions 15 U.S.C 1681cc. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed account because my payment was from an autopay account that did not have sufficient funds, because I had just switched banks from a bank that had a bank run on it to a more secure bank and when I inputted new autopay information to CC company I clicked checking instead of savings. After years of timely payments with no late payments ever, capital one decided to close my account for one missed payment due to this switch. They have been trying to charge me a late fee which I would not like to pay, as I immediately payed bill when I noticed the autopay did not go through. And they tried to charge me interest on a later missed payment when they approved a charge on my card when my account had been closed and then tried to charge me a missed payment fee on not making a payment for that transaction. I paid the amount due for the charge, as I received it, but they did not waive the interest. Now, I have a mark on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: KLS Financial Services, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX called and said that an XXXX XXXX had sent my info and my debt over to them. I asked her for details and she wouldnt provide them. It was supposedly for a debt in XXXX XXXX. I live in XXXX XXXX. They had my number and name and the wrong birthday. I asked how they got my number associated with the wrong person in another state and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX over {$1000.00} from multiple banks. I tried to contact them numerous times, no response.

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 2023-10-07
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Equifax I am writing to dispute the following information that appears on my XXXX  consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : XXXX Type of disputed information : Unrecognized accounts, Unrecognized address, Inaccurate name Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America closed my bank account due to fraud and when I tried to tell them about it in XXXX  the told me that it was nothing I could do

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 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). 
THIS IS NOT A DUPLICATE CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax I am writing to dispute the following information that appears on my equifax consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Source of dispute information : XXXX  Type of disputed information : Unrecognized accounts, Unrecognized previous address, Inaccurate name Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX, XXXX {$1900.00} was withdrawn from Checking A/C ... XXXX ACH RETURN SETTLEMENT DEBIT But HAS NOT RETURN to my Saving A/C ... XXXX as of this date XX/XX/XXXX. XXXX The Bank name in this issue is CHASE BANK, in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, my citi bank account was blocked for no reason due to depositing a {$3100.00} check addressed to me in my savings account. Please help me get back into my account so I can have access to my frozen funds it's been XXXX weeks and I have been getting the run around with the fraud dept. I have all the information needed to verify. I have been a customer for over 3 years and never had any issues with depositing into my account please help me get back my funds. 

Citi Reference Number : XXXX Account Holder : XXXX XXXX Citi Bank Card Number # XXXX XXXX XXXX XXXX Current Mailing Address : XXXX XXXX XXXX XXXX CA XXXX Current Residential Address XXXX XXXX XXXX XXXX XXXX CA XXXX Old Address : XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXXXX/XX/XXXX I deposited a check of {$3100.00} into my savings account. 2 days later XX/XX/XXXX my account was frozen and I was unable to access it. I called in to see what's going on they say the said fraud department blocked the account due to the XXXX check that was deposited having a different address than the one on file. They then told me it would be 24-48 hrs before my account would be back up I wait and still no access to my account I call back XX/XX/XXXX and they tell me my account will be closed in 60 days and any funds on the account will be sent within 30-60 days. I am a single mother with a new born child I can't wait 30-60 days all my money was taken from me on my account I can't and will not survive. I have rent and bills to pay this is so unfair please help I have this account for 3 years and never had any issues I really don't understand what to do next all the reviews on Citi bank from other victims are saying to contact you guys so many people have with through this with them and is really sick they keep getting away with its. I just want my money returned to me asap or even transferred to another account of mine. I authorize you to conduct investigation with all parties included citi bank and atlas real estate

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 2023-10-07
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX, I accidentally ordered a {$200.00} purchase from the vendor XXXX. I immediately canceled, requested a refund and received a confirmation email within roughly an hour that the refund would be processed. After several phone calls spanning XXXX weeks ; I was transferred and hung up on consistently when I asked when the refund would be processed/when I was to be expecting the money back. I was told that it would process on XX/XX/XXXX but " wouldn't show up on my account until the XXXX. '' It's now XX/XX/XXXX and I am certain that I won't be getting it back unless I reach out to some an authority/government agency because this is far longer than the 10 days to settle/resolve a dispute. This has been a nightmare for me as I'm now late on my light bill and rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Affirm Holdings, Inc
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Affirm financed by XXXXXXXX XXXX  continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have applied for a loan modification with Nationstar Mortgage several weeks ago and have since received on XXXX/XXXX/16 a letter dated XXXX/XXXX/16 letting me know what they are waiting on. 
I have enclosed the letter stating what they need, nothing from me but info from other parties. Since I have applied Nationstar has recorded a " NOTCE of DEFAULT '' and a SALE DATE of XX/XX/2016, this is " DUAL TRACKING ''., which is a violation of the recently-enacted HOME OWNERS BILL of RIGHTS, civil code 2923.6 ( c ), which prohibits a lender from recording a " NOTICE of DEFAULT '' or " NOTICE of SALE '' or conducting a Trustee Sale while a Loan Modification is under consideration. I am being indindated with phone calls, letters and home visit by parties wanting to buy my home due to the NOTICE of DEFAULT being recorded at the county, this has to stop. Until I receive a letter of approval or denial on my loan modification I should not have to be stressed out from the illegal dealings of Nationstar Mortgage. CFPB get on your job because I know you are aware of this " DUAL TRACKING '' especially by NATIONSTAR Mortgage who has been under severe scrutiny by the Mortgage industry. I am so tired of what these crooked mortgage companies can get away with eith just a slap on the wrist. I will fight Nationstar from stealing my home even if it takes me to my grave!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call me after I sent them a certified letter asking them to stop. They refuse to address the Illegal or unethical communication tactics. The Excessive phone calls must stop.They have continued to try and collect a debt I do not owed.All of these reason violates FDCPA.

Furthermore, they refuse to address the issue of their violation and simply mark this as a duplicate complaint. Im going to refrain an attorney if they do not stop calling me.

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 2023-09-14
Company: Experian Information Solutions 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 XXXX, XXXX, and Experian. 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 XXXXXXXX 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 2023-10-08
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a email on XX/XX/XXXX from Westlake Portfolio Management about a car I got on XX/XX/XXXX, I asked Westlake if they had any of the orignal documents from Us Auto Sales also known as USASF and if they had the amount they sold the car for at auction but they said they didn't have either of the documents. I explained to them that I voluntarily repossession for the car and never recived anything from Us Auto Sales about how much they sold the car for. I was told to call them or go by there office but all of the Us Auto Sales are closed down so no one is in the offices at all and when you call the number to Us Auto Sales it redirects there number back to Westlake Portfolio Management. They were wanting me to get receipts on where I paid but because Us Auto isn't open anymore there website don't allow you to login to get them. The person at Westlake Portfolio Management was acting like they were wanting me to pay, because the lady said if I didn't pay they were going to put it on my credit, and I advised them that USASF had a law suite . Us Auto Sales never done what they were suppose to because when I and my Husband signed the paper work we were told that we would be paying a little more to have a warranty on my car. From day one we had issues and lots more after that, the shops they have you go to didnt even look like they are certified to be doing work on cars, and we had aproblem with the car where it was a hazard to be drove on the road and I advised Us Auto about this but they didn't want to send the info they were supose to in order for you to go to a shop to get it fixed. So due to me having medical issues my husband called the toll free number for Us Auto but it went to the company that was taking payments and my husband had to call them for over a week for some one to come and get the car because it wasn't doing us no good, and Us Auto never gave I or my husband a paper for us to sign because we voluntary gave the car back because from what I was told was they were closed already. The amount Westlake Portfolio Managementare saying I owe is {$14000.00} but would take {$2800.00}.

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 2016-10-29
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just received two letters, one from XXXX XXXX XXXX, XXXX. 
and one from XXXX XXXX, XXXX that my house is scheduled for foreclosure on XX/XX/XXXX with XXXX XXXX, XXXX. 
XXXX XXXX, XXXX has not notify me about the foreclosure nor I do not know Nationstar Mortgage. Where these law firms got there information from I do not know. I have not received any letter from XXXX XXXX, XXXX, nor Nationstar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: VA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX Balance XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$710.00} 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