BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, 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 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
During the pandemic unfortunately I was robbed, and beaten until I was unconsciously. They stole my bag with all my belong such as Bank of America debit card, necklace, money and etc .... I filed a police report with XXXX XXXX case number ( XXXX. I found out they have also cleaned my account. They took all my money.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Company: EQUIFAX, INC.
State: GA
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 went through identity theft a few years ago and someone fraudulently opened up several accounts in my name, credit cards, loans and even an apartment in XX/XX/XXXX. I live inXX/XX/XXXX. I contacted the apartment complex and the collections agency that the apartments hired and sent them tons of sufficient evidence to prove that I didnt live in the state of Missouri and that Ive never been to that apartment. I sent them my lease in XX/XX/XXXXfor that current year, I sent check stubs for that duration to prove I worked full time in XX/XX/XXXX, I sent a copy of the police report to prove theres an ongoing investigation and I also sent a picture of my drivers license to show that it will not match the one they seen when the lease was executed even after all of these things, theyre still saying its my account and will not remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian now requires setting up an " account '' to freeze or unfreeze credit reports. However, I believe they are abusing this. I have received two completely unwanted marketing emails, the most recent XX/XX/2022. When I looked to unsubscribe, this is what appears on the emails : " Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a payment to XXXX XXXX. This mortage was then sold to Mr Cooper mortgage company on XX/XX/XXXX. Mr Cooper does not show that I made a payment on XX/XX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from roundpoint mortgage showing that the payment was received. I have reached out to both XXXX XXXX and mr cooper several times over the last two months and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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 HAVE BEEN HAVING ON GOING ISSUES WITH THESE ACCOUNTTS THAT HAVE REMAINED ON MY CREDIT FILES AND ITS FRAUD AND DOES NOT BELONG TO ME. PER 15 USC 1681B THIS IS AGAINST THE LAW AND MUST BE REMOVED ASAP! I DID NOT GIVE ANYONE PERMISSION TO FYRNISH THIS INFORMATION ESPECIALLY INFORMATION THAT IS CLEARLY WRONG.

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 2022-10-10
Company: EQUIFAX, INC.
State: AZ
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. 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 

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraudulent Hard Inquiries were made without my knowledgement or permission

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 2023-10-21
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I disputed a charge from an ATM where my card from Chime was used but no money was ever dispensed. Chime immediately denied my claim and debited my account another XXXX dollars leaving me in the negative. I asked for the information used to deny my claim and none was ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After making a balloon payment on my mortgage, I have reached the 78 % mark of the principal-to-original-home-value figure on my mortgage ( the LTV ratio ). I called Nation Star to get them to drop the PMI pursuant to their duties under the Homeowners ' Protection Act ( " HPA '' ). Despite this, Nation Star refuses to cancel my PMI, pointing to an ambiguous Notice which actually does NOT state that Nation Star will refuse to comply with the HPA by NOT auto-cancelling the PMI at the 78 % LTV mark. Having not contracted out of the HPA Protections, I hereby invoke them against Nation Star and demand that they cancel PMI on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Paypal Holdings, Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We have had this account for years and decided to transfer XXXX dollars to my XXXX XXXX account. Venmo stops the transfer and has been holding the money ever since. My wife has been getting her paychecks there recently. They claim it was a suspicious account, We use our account like any normal person. Pay bills, order food, and get a paycheck from a reputable company. We closed the account because they will not give us our XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
someone is using my social security to apply credit card, i had a lot of inquiries, i would like to delete it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CA
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 want to file this complaint with EXPERIAN. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 furnish an account without my written instruction. I have also attached the FTC report with the report number 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 2023-09-29
Company: Credit Karma, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
So I accidentally created a fraudulent dispute on a purchase that I made with a company called XXXX XXXX XXXX, and it was strictly human mistake and error on my part, when I realized this I immediately contacted XXXX credit karma to cancel my dispute and they then took the XXXX XXXX I had paid XXXX XXXX XXXX months before I accidentally created this dispute for a license and account, out of my banking account and I have asked numerous and numerous probably over XXXX emails in the past XXXX weeks of where my money went to because I need back into the account I bought with XXXX XXXX XXXX and they have since blocked my account with them until it shows as chargeback resolved which credit karma told me in proof that no further action needed and The dispute WASNT denied, I specifically canceled it ON MY OWN, so therefore the money was supposed to go back to this merchant and chargeback closed and credit karma has told me they can not give me information of where my money is, and theres no phone representative that has a clue of what they are talking about and I have called a count of XXXX times and it just never seems to get resolved so if they can not do this and provide me DOCUMENTED PROOF that my XXXX XXXX  of my CANCELED dispute per my request was sent back to the merchant, I will be taking this credit karma team and bank to a summons to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I paid for an American Express Pre-paid Gift cards on or about XXXX 2021, in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of {$8.00} on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a {$75.00} Gift Card that only had {$8.00} on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE {$75.00} PREPAID CARD CAME IN WITH A {$8.00} BALANCE. AMEX claims that " The Card was used for a purchase totaling {$67.00} at XXXX # XXXX located at XXXX XXXX XXXX XXXX. '' However, this is not true! Number 1, nobody in my family and I have ever eaten at XXXX. In addition, the charge from the XXXX was already on the card BEFORE I ever received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were approached by Nationstar Mortgage to refinance our loans to one loan. We were also given a rate and payment amount at that time. We obtained a payoff quote in order to pay off the 2nd loan. We signed the paperwork without an understanding that the lender did not pay off the 2nd. Our payment essentially is the same. However, we had 20 years of payments left. We now have 30 years of payments left on a loan at a higher interest rate than we were told. We will end up paying MORE over the life of the loan than we would have if we had not refinanced. We will pay 10 more years of payments and because the 2nd loan was not paid we also incurred a 30-day late on our credit report, jeopardizing the possibility of purchasing our next home. We lost out on a home that we wanted to live in as our credit scores were too low to obtain a mortgage. We are also paying more money than we would 've paid and we still have a 1st and 2nd mortgage. There was no Net Tangible Benefit in obtaining the loan. The servicer sold the loan and gained the only benefit. We not only suffered the loss of a primary residence ( the refi was an income property we purchased as an asset for our children to have one day and we intended to take money out to help with a down payment on our primary residence ), we also have suffered financially. We could not get the house we wanted because of the credit damage and the inability to get equity from the income property. And we are going to be paying the 1st mortgage a decade longer with no real benefit but rather a loss overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Global Lending Services LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to XXXX XXXX on behalf of global XXXX XXXX services, which is reporting to my credit as a repossession of a car. I am a victim of identity. I have sent in all the information to provide that I am a victim of identity .I have sent in my police report all of my correct personal information. I spoken with one of XXXX XXXX representative by the name of XXXX XXXX she advised me that global lending services is not accurately verifying the information that is reported they have not responded to none of the letters that was sent to them by XXXX XXXX she also advise me that global lending services are just stating verify it with no proof. I also have requested the contract that was signed supposedly by me from Globa Leading services still no response but Globa Leading services is still reporting an auto loan to my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: VA
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Westlake Services, LLC
State: FL
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:
My credit report it reporting an auto loan of XXXX with no payment history starting in XXXX of last year. I have disputed with credit bureaus directly and it is not deleted. The number to the company on my credit report has NO RECORD OF ME WHEN I CALL IT. They just send me to a debt collection agency. The debt collection agency says they were given an auto loan contract from US AUTO SALES which the company filed BANKRUPTCY because the loans were fraudulent and they were caught. I have requested debt validation letters, a copy of my contract, any payment history, warranty contracts, etc. and they have nothing besides my personal information.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2023 sent letter for disputes, and called each company for unauthorized inquiries

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: LA
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:
This is my multiple 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.

Company response to consumer: Closed with non-monetary relief