BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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 complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Bureau : XXXX XXXX Name : SANTANDER CONSUMER USA Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX XXXX XXXX  I opened a checking account with Chase Bank online. From there, I deposited two checks. One check for {$850.00} and another for {$940.00}. After depositing these check through the mobile app, the bank released some of the funds. The next day, XX/XX/XXXX, when I went to use the funds, a hold has been placed on my account. I called 3 times that day to get the situation straightened out, but was given different information each time I called. On XX/XX/XXXX, I called two more times as the funds were still on hold. They released part of the funds, but would not give me the full amount of funds left. I then was told to go to the physical bank with my identification documents. On XX/XX/XXXX, I went to a local bank branch to follow up. This branch gave me more contradictory information and told me I wasn't supposed to come in person, but rather gave me another number I was supposed to call. My account was then closed by Chase with no reason given. From this time, I have tried multiple times to call to get the rest of my funds returned. They have given me {$1000.00}, but I am still owed {$720.00}. The check ( which is a paycheck ) was cashed so I was unable to stop the check. Since XXXX, Chase has been withholding these funds from me and because they closed my account, I have no way to access them. My attempts at calling and resolving the matter have resulted in nothing thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/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 2023-01-09
Company: BMW Financial Services NA, LLC
State: GA
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've sent several letters to the credit bureaus and financial company in reference to removing late payments from my credit report because it is unlawful. I have tried to send Good Will letters as well due to my medical emergencies and illnesses but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report has been used improperly by the credit reporting agencies Transunion, XXXX and XXXX. I did not give written consent for the reporting agencies to use my information this is a violation of 15 U.S. Code 1681s-2. I noticed the improper use on XX/XX/2023.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a late payment on the First Premier account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP

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 2023-01-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2021 about an account that was past due that I never opened. The letter was from Regional Finance in XXXX TX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened an account with them so I called and spoke to the manager XXXX XXXX Apparently this company sends out LIVE checks to people and all they have to do is sign the check and deposit it and once cashed the account is open. I have not heard of this since the 80 's. The manager said that the person who did this did not have to present themselves, they required no ID, or other identifying information. She had a phone number that was not mine. I have had the same bank account since before this happened and I can prove that I did not cash this check and was not living at the address they mailed it to at the time, I have moved to another city before this. They claim to have validated a debt for a check that I never signed, nor deposited. This is a disgrace. With all of the laws in the US requiring banks to identity those seeking loans and with the requirements in place to prevent fraud, money laundering, and other illegal activities how does Regional Finance get away with this?

Aren't these lenders subject to the Bank Secrecy Act ( BSA ) and related regulations, which require them to establish Customer Identification Programs ( CIPs )? These programs require lenders to verify the identity of customers and maintain records of the identification information obtained. Is this company in violation of that?

I have reached out to a consumer protection attorney as they are saying that they validated a fraudulent loan, which is not accurate as they did not have any of my personal information for this other than my old address which I was not living at at the time. The phone number they were calling was not mine, I have no idea how this can happen. This is ridiculous and they need to be stopped from doing this making easy victims out of unsuspecting consumers. At the very least they could have gotten information on the bank where the check was deposited. It was never deposited in my account that is for sure.

I have never been able to take out a loan without various forms of ID, Proof of income etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I never received service from this company and now it a debt on my credit report and I want it to stop I get calls from starting XXXX all the way up to XXXX XXXX  Monday- Sunday and several calls a day it is getting out of hand I want it to stop

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 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Yesterday Morning, XX/XX/XXXX I notice when I open my Capital One app that my Capital One credit card Quick Silver had a message of closing & I call Capital One Customer Service. The representative name XXXX said that my CC was closed already & I ask why, because I was planing to use it this coming weekend for XXXX  XXXX & I had accumulated {$210.00} rewards that I was going to use for my mom & aunt to cover some of what I was going to buy for them for the occasion. Inactivity was the reason of closing the account & I ask why I did not receive a notification that allow me to keep it open because I did not receive anything electronically ( since I sign for paperless ) but he said a letter was send thru normal mail /USPS XXXX I state I did not received it & I ask for my {$210.00} rewards but he said that they are gone..I said that is my money & I have the right to have it since I did not know nor I received any notification for closing the account without my knowledge. He was talking really sleepy/yawning & he said he doesnt care that I lost my {$210.00} dollarsthat was my problem... I was speechless how he talk to me & I requested for a Manager/Supervisor but before I was transfer he ask me if I want my Quicksilver credit card to be closed..I did not understand what he meant, so confused because I thought it was already closed & I could not do anything to fixed including getting my {$210.00} reward money. Before I can answer he transfer me & the supervisor said he could not do anything about it ( it was an offshore supervisor from XXXX & he couldnt understand the situation plus the connection was really bad ). 
I call back again and XXXX from XXXX also said she could not do anything about it, no resolution for the situation so I decided to call the bank & I requested to get my money back of {$210.00} since I was not aware of the CC closing, because if not I will close my bank accounts as well since I do not trust Capital One with my money after my reward money being stolen from me by Capital One credit card. 
Later after XXXX I received an email for the first time from Capital One saying my CC was closed as of this evening TODAYin other words when I call to resolve the situation, my card was still open & able to charge /used & not lose my {$210.00} but Capital One actions were literally evil and took /stole my money. I am not a millionaire I work really hard for my money and as a single mother, I count my pennies .IT HURST A LOT LOSING MY {$210.00} & each supervisor I talk said that THEY DO NOT CARE, Its MY PROBLEM. I have never being treated like this in my whole life from a CC bank or from any bank. 


To this day I did not receive the CC account closing notification letter by email /electronically since I sign for paperless nor by mail/USPS as Capital One customer service stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Monday, XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required Dear Consumer Financial Protection Bureau XXXX I am writing to follow up on opt-out letters dated both XX/XX/XXXX and XX/XX/2023, in which I formally exercised my right to opt out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX, XXXX, and TransUnion XXXX This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, XXXX, XXXX, and TransUnion have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX, XXXX XXXX and TransUnion take immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.

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 2023-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had written a check for {$500.00} to XXXX XXXX for an advance for purchase of a puppy on XX/XX/2023. This was in addition to {$250.00} that I had paid to him through XXXX XXXX as an advance. 
I decided to not buy the puppy from him and informed him about this on phone on XX/XX/2023. 
I also requested him to tear up the check and he agreed. 
As a precaution I also asked Wells Fargo to stop payment on the check- the bank charged me {$10.00} for this service and stopped payment on the check for 6 months. 
At end of 6 months I checked on the banks website and saw that personal checks are valid for 6 months only so I did not feel the need to ask for another stop payment and pay {$10.00} again. 
XXXX XXXX cashed the check at a branch of Wells Fargo on XXXX XXXX. 
Wells Fargo should have not honored the check since it was more than 6 months old. 
Also they should have asked me since I had stopped payment on the check before giving {$500.00} to XXXX XXXX. 
I complained about this to Wells Fargo on XX/XX/2023 and on XX/XX/2023 they sent me a letter saying that they wanted me to resolve the issue directly with XXXX XXXX. 
I have been a victim of unfair and careless and irresponsible behavior by Wells Fargo and they should refund {$500.00} to me- they should not have honored a check more than 6 months old and on which I had already stopped payment once.

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 2023-01-30
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:
This is XXXX XXXX XXXX XXXX is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).

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 2023-01-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home, closed XX/XX/2022 with XXXX Mortgage. It was known to them that I would be doing a recast on my VA loan after we sold our existing home. This was allowed by XXXX, prior to XX/XX/2022 they sold/ transferred my mortgage processing to XXXX Mortgage. I contacted XXXX mortgage around mid XXXX to start the recast process on my mortgage. I was instructed by their operator that they would note it on the account & I was to send in the funds that I wanted to use for the recast of my mortgage. I wired them {$150000.00}. I was told upon receipt of that, it would start the process, they would send the recast documents & I would sign and return them. I waited roughly XXXX weeks, no documents. I called them on XX/XX/XXXX, spoke with XXXX from their escalation team, they had misappropriated my funds as a principal payment. She tried to have it reversed & for them to do the recast on my mortgage. Once again I was told to wait while she worked on it. I waited another week to 10 days, called them back again & spoke with XXXX, she informed me that they rejected my request for a recast. I have tried once again to request them to correct this, I did NOT ask for them to be my mortgage processor, I most certainly would NOT have agreed to change processors knowing that they would NOT honor my previous mortgage lenders policies that would allow me to recast my mortgage. I would like to either have them be required to allow my loan recast to take place XXXX have my mortgage services moved to a company that will allow me to recast my mortgage as originally planned once we sold our previous home. Your help would be greatly appreciated. thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-09
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-08-18
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES : XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/ and XXXX Inquiry Date XX/XX/

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 2023-01-11
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, XXXX and XXXX XXXX have trying to collect amount of {$460.00} from me over past XXXX XXXX. I am disputing again since XXXX XXXX XXXX filed derogatory collection at XXXX in late XX/XX/XXXX. 

The previous debt collection in same amount filed in XX/XX/XXXX was resolved in XX/XX/XXXX after I disputed with both XXXX and debt XXXX. XXXX said my account was no longer there, and it was XXXX XXXXXXXX fault to file at credit agencies. I just wish XXXX XXXXXXXX do the right works, and stop harm consumer and honorable individual.

Company response to consumer: Closed with non-monetary relief