BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: MN
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:
Thay never sent me a XXXX or XXXX type about negative item or a account thay must be deleted it's a fcra violation XXXX and XXXX XXXX model notice of negative account in accordance with The Fair Credit reporting act account XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 us c 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without instruction 15 USC 1666b a creditor may not treat a payment on a credit card account under any open and consumer Credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CCF Intermediate Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never open an account with these companies and I believe the accounts are fraudulent : 1. Cash Central- an account was open on XX/XX/2016 for amount {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, 2020, after initially applying in XXXX, 2020, I received a mortgage with Newrez. After getting the mortgage, I filled out a document stating I didn't want to receive advertising offers. I got some. So, I called and they said it would be taken care of and the ads would stop ( aside, they want me to refinance my less than 3 % mortgage with one over 5 % ). I am sick of their ads, they are not stopping them even though I have told them through 2 of their methods to stop.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a statement from TD Bank about a checking account that was opened online with my information. I spoke to the fraud department and stated that I never opened up this account # XXXX and I needed this to be closed ASAP. As of XX/XX/2021 I still continue to receive bank statements and they are being sent to my address. I am extremely frustrated that my name was stolen and the bank has not helped me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Absolute Home Mortgage Corporation
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: Information belongs to someone else

Complaint:
Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date XXXX XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing to dispute a charge of {$2800.00} to my credit card account on XX/XX/2022. The charge is in error because I do not remember this charge, but it is listed as a taxi. We were on vacation during this time and did take taxis but no taxi ride totaled more than {$25.00} during our vacation. At worst, this is a fraudulent charge. At best, this is a severe overcharge. 

I filed this a fraudulent charge but was told it was verified as valid. I asked how they determined this and they said they did nothing but verify charges before and after. XXXX, a said supervisor, told me that he was not going to investigate the charge anymore and did not care about me. I asked to speak to his manager and was told that I would get a call from them but that never happened. You need to revue my account and fire XXXX his customer service is not the kind of person you want on your team. XXXX told me that there was no effort to contact the vendor nor was there any verification done on Chases part. This is an extremely large charge made out of the country I was visiting XXXX and I was in XXXX, XXXX. No flag was done nor notification for verification was made to me. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} TransUnion XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Self Financial Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to fix the situation with this company multiple times with Self financial I have already paid the debt in floating rate notes and the company is still reporting negatively on my consumer report. The company has already XXXX the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter. I am now demanding self financial to properly remit 1099c so that I can properly file my taxes. I am demanding that self financial send me a copy of the 1099c b for the debtor documentation that self financial has already transferred over to the treasury. Also i am demanding that self financial contact all 3 consumer reporting agencies and update the status of the consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Cashiers check stolen. Felon altered check and cashed it. Wells Fargo noted check was a fraud and denied deposit. They notified me that my missing check was found and that my money was safe. They said after fraud investigation paperwork was filled out my money will be refunded. XXXX. They have not refunded the money and are not calling me back.

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 2020-04-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020, Navy Federal seized an IRS refund deposit of {$2300.00} and applied it to a charged off XXXX account that had not received payment in almost 24 months. 

Navy Federal can not enforce a pseudo-debtor prison scenario by forcing me to pay on a closed charged off account by seizing money from a pending deposit and applying it to the balance of the charged off account - which is exactly what they did. 

After I filed a CFPB complaint detailing that action ( XXXX ), Navy Federal decided to honor a 23 month-old request to close all of my banking products ; but not before issuing me a cashier 's check for the pending IRS stimulus deposit. 

Navy Federal returned the 2nd IRS deposit, but not the 1st one from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-27
Company: EQUIFAX, 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:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have formally requested by certified mail that Capital One Bank USA NA provide me with validation of the two accounts # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Practice Act by not responding to any of my letters nor have they provided me any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE XXXX, TRANSUNION, XXXX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Bankruptcy : Bankruptcy Acct # XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 usc 1681, section 602 A states I have a right to privacy 15 usc 1681, section 602 A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-27
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent letters to all 3 Credit Bureaus in XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I have attached the copy of my report showing the accounts as well as my certified receipts of my letters requesting that the bureaus do a full " investigation '' of all of these accounts and every piece of information. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers 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 others with whom he/she is acquitted or who may have knowledge concerning any such items of information.

The Bureaus stated that these accounts are verified, which is completely false, due to the fact that not one Bureau completed a full and legally proper " investigation '' according to the law.

Every piece of information on these accounts is still not being reported 100 % accurately, and the FCRA 15 USC 1681 states that everything on a consumers report must be reported accurately.

The credit reports are attached showing these inaccuracies.

The bureaus have failed to follow the law and continue to allow this false and unlawful information to be reported on my consumer report. 

These accounts should all be deleted and blocked from my consumer credit report. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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