BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Mortgage Research Center, LLC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I saw two inquiries on my credit report I dont recognize. One on XXXX XXXX XXXX  from a place called XXXX XXXX  and one on XXXX XXXX XXXX from a place called 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 2023-11-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions. 

Sent certified mail to XXXX, Equifax, and XXXX. Sent Certified Mail on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
" XXXX XXXX  '' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.

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 2022-07-03
Company: Experian Information Solutions Inc.
State: IL
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 disputed XXXXXXXX XXXX DELAWARE on Experian and after XXXX weeks they did not correct and it said investigation was done nothing was changed it then I called them on XX/XX/XXXX and they said they would correct it but they didn't. it's XXXX XXXX DELAWARE it's showing it was Charge-off but showing Past due amount {$1100.00}

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-09-15
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Region bank in XXXX  XXXX mo XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX or whoever his name a bald head brother and a sister and a XXXX lady was there the last two days the XXXX refused to reopen my political committee XXXX account today I been turned these papers in and both XXXX have lied to him and he have acted like stuff was literally funny today and it was I'm opposing slave government and mob government in a special charter I'm not given XXXX XXXX XXXX, XXXX university, XXXX XXXX are XXXX XXXX are XXXX university XXXX XXXX nor XXXX XXXX period nor XXXX  XXXX  or XXXX XXXX. I'm against these people about reparations now all of a sudden Missouri is a free city state. The guy and the XXXX have been lying today on phone they have been trying to capitalize off me in the state I'm against XXXX XXXX her and XXXX stole a vehicle that was in XXXX XXXX name that I got through XXXX XXXX XXXX auto on page police report filed In XXXX Missouri and I have not disrespected you in last complaint I downloaded no cuss word it. Although this banker had me hot a case is being filed on XXXX XXXX and XXXX. Just like someone keeps burning my name up on cases in different government crimes I didn't do and they keep betraying over corporate crime bank crimes and marketing company crime all under slavery. This bank know well he is a liar period I'm against XXXX XXXX XXXX I'm not protesting for no union about nothing they need be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

it should say, copy and paste this

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 2022-09-23
Company: EQUIFAX, 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:
On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via XXXX XXXX. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX and CFPB in XXXX ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my FICO thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible please and thank you! 

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 2022-07-03
Company: EQUIFAX, INC.
State: TN
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:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: RI
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:
I first ordered a clothing set from the XXXX x XXXX company in XX/XX/2020. Unknowingly, I was enrolled in a XXXX  account where I would be charged {$49.00} a month for a subscription. I attempted to cancel it but there is no clear way to do so. I contacted customer service when I receive XX/XX/2020 charge and was told I had to wait 90 days to cancel but if I logged into the website, accessed my profile, and then hit skip this month, I wouldnt be charged. I was charged XXXX times. I reached out again in XX/XX/2020 and was told there was no cancellation support due to the pandemic. I have contacted customer support for almost XXXX years now. I have to set a reminder to skip or in charged. Ive tried reversing it and filing a claim with my bank, but because I signed up they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: CT
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-25
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had XXXX on my Venmo app but a fraudulent charge at a local XXXX took XXXX from my venmo balance then a 2nd charge at XXXX for XXXX transferred the amount from my personal bank account to my venmo account. Both were on XX/XX/2023 one at XXXXXXXX XXXX and the second one at XXXX pm. This fraud also transferred XXXX from my bank to my Venmo account four times adding up to XXXX cash on XX/XX/2023. Venmo did reimburse my bank account the XXXX and the one XXXX XXXX charge but Venmo is refusing to reimburse the second XXXX charge of XXXX to my Venmo account. I have proof that I had XXXX XXXX and could not have made these transactions at XXXX I was in recovery at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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:
Please Help! I recently received a notice from XXXX XXXX that I was denied of credit. I called them to inform them that I didn't apply for any line of credit with them. I told them that an inquiry was placed on my consumer files and I didn't authorize. I have already filed a FTC report Exhibit A and the company stated that they have verified my information and that they would not be removing this unauthorized inquiry. They stated that the address on my application matches my information as if someone who may know my address can't apply for a line of credit with my information.The things is they also stated in this letter that I received that they were unable to to verify the identity of the personal guarantor. Exhibit B. As stated before that I didn't authorize this inquiry or apply for a line of credit. Exhibit C & XXXX are letters I have sent to the company to inform them that I never authorized this inquiry and they continue to report this unauthorized inquiry on my consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from XXXX on XXXX that I had a new credit inquiry from Comenity Bank. This inquiry was generated without my permission, I did not apply for any new credit with Comenity. The alert referenced my XXXX XXXX XXXX account. This account has been closed since XX/XX/XXXX. It did report a balance until I paid it off in XX/XX/XXXX. Again, I did not authorize this inquiry and there was no reason for them to pull my credit report. 

I attempted to contact them immediately, their customer service line was down due to a " customer service outage ''. I later found out that their customer service had been down for the better part of a week. I suspect this was a data breach but they didn't say that. When I was finally able to contact them on XXXX they could provide no information as to why my credit was pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is the actual letter that I am sending them, I am upset that they continue to tell me that the Mortgage is behind when the mortgage assistance program was utilized so there would not be any mortgage payment in default. 

I have no A/C in this home and have to have a letter stating that the mortgage is current so that the a/c company can finance the a/c unit. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Loan XXXX I spoke with XXXX ID XXXX at Loan Care, on XX/XX/2022 in reference to the loan modification/mortgage assistance, I have a ac unit that has stopped working and in order to have it finaced, the finance company has to have a letter stating that the mortgage is current and up to date. 
I spoke with XXXX and he told me that I owed {$690.00} and the account would be current. 
In XXXX, I signed a new revision for mortgage assistance, notarized and sent back to Loan Care, which brought the note to {$780.00}, I had to file a complaint on Loan Care back then so the new amount due for the loan would reflect on the website instead of XXXX, since XX/XX/2022, I have paid the mortgage amount of {$840.00}, XX/XX/2022, {$840.00}, XX/XX/2022, {$840.00}. It should have read {$780.00} starting on XX/XX/2022. 
I asked XXXX at Loan Care, how can the loan be not current when I signed for mortgage assistance and how can the mortgage be behind, when there was mortgage assistance that paid Loan Care, XXXX could not come up with any answers, basically wanted to argue over this {$690.00} that shows that I still owe, after mortgage assistance paid the loan so it would be current. 

On the website, it reads XX/XX/2022 Next Payment Due {$780.00} Total Scheduled Payment {$100000.00} Current Principal Balance {$30000.00} Year-to-Date Total Payments XX/XX/2022 Last Payment Date {$0.00} Outstanding Late Fee Balance, Please explain how the mortgage shows paid {$30000.00}, balance is {$100000.00}. But I am still not current and up to date in payments. 
There is no Outstanding Late Balance Fee??? Reads XXXX on the Dashboard. 
Did the FHA mortgage assistance pay the Loan Care mortgage the amount of {$30000.00}, leaving the balance of loan at {$100000.00}? 

Why is payment due on XX/XX/2022, when it is already paid????? 

I want answers to these questions???? 

Send a letter to XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

While I sit here with no A/C and you have the money from the Mortgage Assistance program for the {$30000.00}, I would like some answers!!!!!!! 


Sincerely, 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 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a Text stating my cards were on the way. I checked with my husband to see if he had lost his debit card and was asking for a new one. He said no when I went to my online banking it said contact fraud alert. When I called the bank they said I opened an account with Bank of America For a credit card. I told them that I didnt open account and I had them cancel it. Then four days later I received a letter in the mail from the United States post office stating that I had asked for my address to be changed. I went to the post office and got the address of where they wanted my mail to be sent to. I was able to stop it. I believe they were trying to intercept the card without me knowing that they even open the account. I have filed it with the police department and they told me I needed to report it to yall. Look forward to hearing back from 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 non-monetary relief
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive tried to reach out via all three credit bureaus to have them confirm and remove this that that isnt mines! The company is reporting that theyve certified that this debt belongs to me without proper proof. I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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