BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is 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 2023-07-01
Company: JPMORGAN CHASE & CO.
State: MI
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:
Unauthorized/unsolicited Hard Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
American Express ( AMEX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to Amex in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by Amex that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, Amex updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: MARINER FINANCE, LLC
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 company, Mariner Finance is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer committed multiples breach of contract acts, fraud by deception, Assignment of Mortgage is fraudulent and bogus, securing nothing. The Note and Mortgage were separated at settlement when XXXX XXXX XXXX XXXX XXXX XXXXXXXX  nominated MERS as Mortgagee, while the beneficiary under the note remained. Fraudulent Assignment voids the Mortgage. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which sold the unauthenticated promissory note to Nationstar mortgage d/b/a Mr. Cooper Mortgage have no authority to foreclose on my property by filing titled Records of Releases and Other Actions. The crime in continuation and theft by deception included the Warranty Deed, Deed of Trust, Appointment of Substitute Trustee, all filed fraudulently to give XXXX XXXX XXXX XXXX XXXX XXXX/Nationstar mortgage d/b/a Mr. Cooper the appearance of authority to enforce the power of sale clause in the deed of trust. However, the bifurcated mortgage separated the paper promissory note from the paper security instrument rendering the Deed dead. The Deed of Trust was rendered a nullity the instance MERS was named as the beneficiary because there was no lawful method to perfect the lien in another partys name without that party being the owner/holder of the promissory note regardless of how many times they attempted assignments or transfer of the property I own, through their own actions they voided the Deed of Trust XXXX the only enforcement tool to legally foreclose on the property. 

XXXX XXXX XXXX XXXX XXXX XXXX /Nationstar d/b/a Mr. Cooper Mortgage is nothing more than a third-party debt collector masquerading as the note holder and forcing sale of property not legally entitled to foreclosure doing so committed fraud upon the court and filed fraudulent financial statements in public records. 






CC : Sheriff, Police department , County Attorney , County Recorder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to, benefit from or authorize any of the following Account : TD BankTarget- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My consumer rights were violated according to the FCRA. 

15 USC 1681 ( d ) ( 2 ) ( B ) - The consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly, by the issuer of a credit card or similar device.

15USC 1681b ( a ) ( 3 ) states that Consumers have the right to not share private medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX  Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 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. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( 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 accounts 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 explanation
Consumer complaint received 2023-07-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported fraudulent charges from my debit card to Wells Fargo on XX/XX/2023. A week later I receive a letter in the mail stating that the charges were made by me or someone I know so they are reversing the preliminary credit to my account which was just under {$100.00}. While this amount is not huge, I still believe Wells Fargo is not upholding its duty of XXXX fraud liability. I did not make these charges nor did anyone else that I know. My card was in my possession and a hacker somehow was able to obtain the information from it. This is terrible business practices and they will lose a long time customer over this unless fixed.

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 2023-02-14
Company: Northstar Location Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX XXXX XXXX XXXX did not disclose I had to pay an ending fee to the lease. I paid upfront onetime payment for all costs. When I spoke to XXXX XXXX at corporate, they stated they have had consistent problems with the sales representative by not disclosing in full details to other customers. We are talking about around {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
On XX/XX/XXXX I applied for an American Express Hilton card that offered XXXX points + one free night at a Hilton Hotel when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points because they are no longer offering it BUT the offer was active on the website. I then explained to him I should be able to since it is an active promotion. He then realized he was wrong and figured out a way to get me accepted. He then reassured me MULTIPLE times that I will get the bonus points after spending $ XXXX in 3 months. After receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. I explained that I got reconsidered for it and the representative stated they do NOT reconsider applications. This is not true because my brother went through the same process and got accepted and got his points. 

Keep in mind the guy on the phone reassured me multiple times that I got it. He was even happy that I got it and called himself a " genius '' for figuring out a way to do so. ( all should be recorded through them. ) I opened an investigation with AMEX but they are taking too long and I want this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: NJ
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 feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. Experian, XXXX and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.

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 2023-07-07
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been locked for over XXXX XXXX XXXX  XXXX  months with over XXXX $ stuck on my account.Ive beeen sent an email letting me know I was permanently banned for no real reason and have to wait XXXX  days to retrieve my funds, but thats too long Im not rich by any means and that money is really needed. I havent been able to get any help from customer service or live chat after numerous attempts this is my final option so hopefully this can help me get my fund back please. 

MY EMAIL ON FILE FOR VENMO IS : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ACIMA CREDIT, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Sent a Debt Validation letter on XX/XX/2023 Acima received it on XX/XX/2023 via certified mail at XXXX I contacted them on XX/XX/2023 at XXXX to explain that I have not heard a response back from them and under the FDCPA if no response was received it must be deleted. Acima stated they have not received anything as I have everything tracked.The address on XXXX is the address I sent it to where is says contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX if this is incorrect then they are reporting incorrect information which then the account must be deleted. Refused to remove it off my counsumer report and is still commiting the following FCDPA Violations : 805 : Harrasment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debt. Unfair practices is being used in this 30 day no response letter from them then them saying they did not receive anything as I have all evidence and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/23 I reported an incident of fraud to my bank- Citibank XXXX This incident occurred on XX/XX/23. I was told that I would receive a provisional credit within 2 days, and that an investigation would take place for the next 45 - 90 days. After 2 days, I called back and was told that a provisional credit would be provided within 10 days. At no point was I contacted for additional information. 

XX/XX/23 I received a letter from Citibank saying that they have reviewed their records and verified that my money could not be returned, even though this was a fraudulent transaction, Citibank has the account information for the person who committed the fraud, and I was reassured that an investigation would happen. At no point was I asked for the documentation that I have to prove that this was a fraudulent transaction. 

I desperately need these funds returned in order to continue my business and for an investigation to happen to help prevent this from happening to other people.

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 2023-07-08
Company: CCS Financial Services, Inc.
State: NC
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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Credit collection services XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 was alerted by XXXX that my credit was pulled by Bank of America. I have no need to use BoA and didn't request anything from them. I tried calling the BoA number on the XXXX report but was continually disconnected because I don't have an account with them. I then had to use XXXX XXXX  to try and speak with a BoA rep who then told me ( without asking any confirming information ) that there was no way BoA pulled my credit and XXXX was wrong. Now just days later I received a credit card from BoA using a name I haven't used in 20 years for a credit card I don't want. No one at BoA will help me and now my credit has been expanded for usage for a card I don't want. Lack of any help at all from BoA has been shocking. I can't tell who asked for the card, if there has been fraud, etc because I can not get a rep to respond to my 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 2023-07-08
Company: Fig Tech Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Somebody has tried to open a loan account with my name and SSN on it involving fig loans I never applied for any type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Lenders Name : American Credit Acceptance APR is consistently 22 %, Since 4 years ago ; When my Credit score have increase since then. 
I tried to work out something that could help me pay loan down, but it is not allowed. There Policy says that they can repo my car within 3 to 6 months of past due payments but they manage to repo the car within 2 months behind. 
I would of thought they would refinance my loan after a year or two but i guess i have to let them know to refinance. 
I complain how i had to do repairs on the vehicle which lead for me to be behind on the loan. I have receipts that will prove that i put in double cost of repairs then what i need to make a payment. I tried to get rid of the vehicle because it was a lemon when i start driving it within the first month. 
In the past, i had representatives that told me wrong information about where my vehicle was when it was time to repossess my vehicle. The representative had me go 3 hours out of where i live to pick up my vehicle, just to find out it wasn't there. It seem like they didn't want to hold themselves accountable for what they put me through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, XXXX XXXX ( my mother ) transferred {$4000.00} from her PayPal account to mine. Two days later I refunded the money to her because she was upset. 

Ive received a number of communications from PayPal. The most recent was that the case was closed in my moms favor. Before that, I had a phone conversation with PayPal where they acknowledged that money was taken from my account to both fund and refund the {$4000.00}. I dont know how thats possible. 

PayPal keeps trying to take money from my account, and never got back to me after my last call with them. Now my account is permanently limited There is a pending refund shown, but also lots of back and forth on refunds and payments generally. I have no idea what the status is. PayPal also acknowledged that they fronted her {$4000.00} - it feels like shes getting more than what she started with.

Company response to consumer: Closed with explanation