BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 has violated my rights. Or list of inquiries 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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Chase account and everything was fine and then I get a letter that they were closing my account stating that its from Information that they have because of my association with a chase credit card deposit on vestment count that was previously closed. Several years ago I opened up an account for my boyfriends construction company but it was in my name because he was too busy working to go into the bank and he just doesnt do paperwork computers or anything like that so I open the account in my name and owner. Had properties in the XXXX XXXX, XXXX XXXX area, but he lives back east in Ohio somewhere he was depositing money for payroll and for construction materials that we needed to complete the remodel of the apartment complex I get a notice from Chase that they are closing my account, they accused me doing illegal Things in so many words, they insinuated I was laundering money or something like that. Thats the impression that I got I was absolutely mortified abhorred at the insinuated allegations. Fast forward to XXXX I open a Chase account because Im not happy with XXXX XXXX because XXXX XXXX close my account installed one of my savings bonds my father had purchased for me. Anyway, so Chase close the second Chase account but I turned around and opened up another Chase account and they allowed me to the system didnt catch it and then XX/XX/XXXX. I receive a letter that states after careful consideration we decided to close your account because of your association with the Chase credit card deposit investment count that was previously closed. Heres what you need to do blah blah blah. Ive tried to talk to people reached out to people tell me this is a mistake Im not sure because XXXX XXXX put me on early warning system When they close my account and stole my bond money which thats another case that XXXX reported about thats being resolved actually so it could be that early warning system thing or could be this old account for mini years ago. I think it was maybe XXXX XXXX I had my other Chase account its been so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act AMERICAN Express account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt concerned originally occurred as part of a medical procedure that took place due to an injury I sustained in an automobile accident. The original creditor ( XXXX XXXX XXXX ) coded the treatment as XXXX which was incorrect. This error caused my insurance company not to pay as XXXX  is not a covered condition under the plan. I made XXXX XXXX aware of the mistake on several occasions to which they didn't respond. They turned the debt over to Choice Recovery , Inc of which I was first notified on XX/XX/XXXX of XXXX. I informed them of the mistake and they stopped collection activities. On XX/XX/XXXX of XXXX, Choice Recovery , Inc. again made contact concerning the aforementioned debt. I again informed them of the billing mistake and added details explaining that other items on the bill were incorrect and that some services on the bill were not received, Choice Recovery , IncXXXX failed to respond to that email. On XX/XX/XXXX I was alerted by a credit tracking service that a collection account had been noted on my file. Choice Recovery , IncXXXX has damaged my credit while knowing that the debt is invalid and has failed to correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for a Target Red Card XXXX XXXX XXXX XXXX  and they will not provide a XXXX balance credit card statement. 
I need this for my mortgage refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: OPORTUN FINANCIAL CORPORATION
State: FL
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 am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX of XXXX a letter was sent to the 3 different credit bureaus. 

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : 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 CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2023-04-21
Company: The CMI Group, Inc.
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 GOTTEN A LETTER FROM CREDIT MANAGEMENT WITH ACCOUNT NUMBER XXXX BALANCE XXXX OPENED FRAUDULENT IN MY NAME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. XXXXT XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}

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 2023-04-21
Company: Experian Information Solutions 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:
his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021

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 2023-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  # XXXX, and 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 2023-04-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is MIDLAND CREDIT MANAGEMENT IT IS ON ALL MY CREDIT TEPORTS DESTROYING MY CREDIT! ITS NOT MINE AND MUST BE REMOVED IMMEDIATELY! They are harassing me and ruining my credit! ITS ABSOLUTELY EGREGIOUS!!!! I WANT IT REMOVED IMMEDIATELY! I have filed police reports identity theft reports ETC!!! IT MUST BE OFF IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Comenity bank sent me a " Prescreen application error '' letter in the mail. i have never applied for a XXXXXXXX XXXX XXXX 

Someone is trying to apply for credit cards in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to sell my house and the title company says there is a lien on my house from 23 years ago. Ditech had my mortgage and went bankrupt. XXXX took over the mortgage but Ditech did not release the lien. Now the mortgage is in XXXX ( XXXX ) hands. I need the lien released for the title company to sell my house.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 called the original debt holder XXXX  XXXX.which they told me it's looks like identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm a new customer for Mr. Cooper ( AKA Nationstar Mortgage LLC ) whose mortgage loan was purchased by Mr. Cooper, via XXXX XXXX, from XXXX XXXX XXXX XXXX on XXXX. At this point I had already paid my first Mortgage payment to XXXX XXXX XXXX XXXXXXXX. Additionally, my loan with XXXX XXXX had a sales Incentive subsidy that the home builder paid for as a incentive for me to buy the house. This subsidy was part of the original mortgage loan contract and was told that it was also transferred to Mr.Cooper as is. 
Upon first email contact by MrCooper on XXXX, I started planning to pay off the loan with Mr. Cooper. On XXXX, I requested a payoff quote from Mr. Cooper website. I had was also in discussions with a Mr. Cooper customer service Rep called XXXX of Louisiana who set up a quote for payment by XXXX XX/XX/2023. I explained that I needed it to be delayed to XXXX XXXX so I could get to the bank for the wire transfer. XXXX said no problem but to add a day of interest to cover the delay. So, I wired the " quoted '' amount plus a days interest ( {$68.00} ) to Mr. Cooper, which they received. I called a Rep 2 days later to see if my funds were received. They had but, they said I needed a new quote to cover deficient funds. It was not told to me how much more I needed so I wired {$230.00} to cover the second quote ( {$25.00} ) and 3 days of interest to arrive on XXXX. The second wire arrived but was applied to my account and the previous larger wire funds was not applied to my account because of another deficiency. I much later found out that the deficiency was not for interest but for a subsidy of + {$7900.00} that Mr.Cooper wanted to retain but their Quoting System correctly subtracted it from the mortgage payoff quote. Discussions went on for another month and Mr.Cooper Payoff Dept would not approve any further quote payoffs and they never called or contacted me once to explain the problem. I finally got a Rep that finally got my original wire transfer returned to me almost a month after it was wired to Mr.Cooper. She has also been my advocate to discover what happened and explained to her own people why I should have my first quote honored as of XXXX XX/XX/2023 with no futher interest charges beyond that date. We even attempted a third quote on XXXX without success and those funds were wired back to me on XXXX XX/XX/2023. Because of my inability to get Mr. Cooper to accept a quote payoff from me without any direct contact with me as to why I was having a problem, I have not made any mortgage payments on my account except the first one on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan to purchase a XXXX XXXX from a retailer ( XXXX XXXX ). I have a high credit score and no issues, but was denied and the reason given was they were unable to confirm my identity, despite being provided my accurate address, last 4 of my social, etc. I called to offer more verification, as was told they could't verify my identity, I was denied and that decision was final. My belief is that Affirm is denying people with good credit so they can make more revenue off of higher interest rates and fees from preditory borrowing from lower-score borrowers. As I said, I called and offered any form of verification request, but was told know. I believe I was denied credit for unlawful discriminatory reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: CA
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 was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX, TD bank Nordstrom as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
XXXXXXXX XXXXXXXX is reporting a charged off account of {$0.00} on my credit report, Nordstrom {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.

Company response to consumer: Closed with explanation