BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/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 2021-08-27
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR
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 was pulled without my authorization and consent. 

I was contacted by Cardinal Financial about a Home Equity Line of Credit that I was searching for online. I spoke with a representative and at no point in the conversation did I give permission for my credit to be pulled. I did not even provide my SSN. 

My credit report shows that on XX/XX/2021, a hard enquiry was done by Cardinal Financial on my file. I am requesting that hard enquiry be removed because it was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BARCLAYS BANK DELAWARE
State: CT
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:
The AAdvantage Aviator Mastercard fraud team wrongly posted a {$4000.00} fraudulent charge from XXXX XXXX ( a company I have never done business with ) on XX/XX/2023, and are refusing to remove this charge, thus damaging the credit rating that I need as a woman-owned, minority-owned business. 

AAdvantage Aviator Mastercard now refuses to characterize this charge as fraudulent ( after initially characterizing as fraudulent and crediting my account, they changed their minds and charged me again ), but I have yet to receive documentation of whatever it is they are relying on to arrive at this conclusion. This charge is fraudulent and must be removed. This situation has arisen entirely due to the company 's own negligence in posting this {$4000.00} charge from XXXX XXXX on XX/XX/2023 AFTER I notified them on XX/XX/1023 that my card had been hacked and XXXX XXXX had fraudulently charged me {$1000.00}. Because of that fraud, I closed my old account and had a new card mailed to me. 

Despite my reporting the fraud and getting a new account number, Aviator Mastercard negligently posted a charge to my account, made on the old, compromised card number, EIGHT DAYS after I reported the initial fraud by XXXX XXXX. They should not have done that. How is that appropriately discharging their duty to me as a credit card company to protect my account? 

I contacted XXXX XXXX on Barclay 's instructions, which was worse than useless ( see attached faxes to Barclay 's fraud team describing that interaction ). I have filed a dispute with XXXX XXXX also, both online and via mail. These charges are fraudulent. 

Due to the company 's negligence in posting fraudulent charges from the same company and on the same compromised account number eight days AFTER I notified them of the fraud, and their unsupported refusal to remove these charges, I am now showing a balance on my credit card, which impacts my credit rating ( currently at 818 and 824 - I have a good credit rating and need to keep it that way to borrow for my business ). 

I am begging for your assistance in getting them to immediately rectify their negligence and credit my account in the amount of the fraudulently-charged {$4000.00} so my credit rating as a woman-owned, minority-owned business can remain good. Thank you for your assistance.

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 2022-06-14
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SCIL , Inc CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX To : The XXXX XXXX XXXX XXXX forSCIL, Inc From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andSCIL, Inc.areauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX, together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXXXXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to bring to your attention a pressing matter regarding my loan obtained from Service Finance Company. I entered into a loan agreement with the company with an initial principal amount of {$20000.00} and an interest rate of 9.99 %. Despite making timely payments, I have encountered a concerning issue wherein my principal balance has been steadily increasing since the initiation of the loan.

To date, I have made all payments promptly and have never exceeded the due date. Furthermore, I have taken the initiative to make early payments, demonstrating my commitment to fulfilling my financial obligations responsibly. Despite these efforts, my principal balance has inexplicably reached an alarming high of {$20000.00}. This indicates that my payments have been consistently applied towards interest alone, while the principal balance remains untouched.

This issue is not unique to my situation, as similar complaints have been reported by consumers. This pattern suggests a systemic problem within Service Finance Company 's loan servicing practices, warranting immediate attention and intervention from regulatory bodies such as yours.

I kindly request that the Consumer Financial Protection Bureau launch an investigation into the practices of Service Finance Company to ascertain the reasons behind this alarming discrepancy. I believe that such an inquiry is necessary to protect consumers from potential predatory lending practices and ensure compliance with fair lending standards.

I have attached copies of all relevant documentation, including my loan agreement, payment receipts, and any correspondence exchanged wit

h Service Finance Company. These documents should serve as evidence supporting my claim and aid in your investigation.

I appreciate your prompt attention to this matter, as it directly affects my financial well-being and raises concerns about the integrity of Service Finance Company 's lending operations. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and protect consumers ' rights. 

Thank you for your time and consideration. I look forward to a favorable resolution of this matter.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 victim of identity theft. 

An account has been opened and used without my authorization. 

This negative account is still being reported on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, 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:
This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 experiencing significant XXXX due to the presence of this account on my credit report. Despite providing all necessary documentation to have it removed, it continues to negatively impact my credit score and overall financial well-being. I urgently request that you take action to remove this account from my credit report, as it is causing me undue stress and anxiety. I implore you to consider my situation and take prompt action to rectify this issue.

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

Complaint:
Hello, my name is XXXX XXXX. I am submitting this complaint on behalf of my father XXXX XXXX. 

My father XXXX to XXXX, had solar panels and an air conditioning unit installed to our home around XX/XX/2018. We are having a big issue with our roof after the installation. We are noticing a lot of leaking from the roof as a result of the AC unit that was installed. The AC unit is malfunctioning and leaking through the roof, causing severe roof damage and ceiling damage on the interior. we have contacted our mortgage company Mr. Cooper to try to fix the issue and they directed us to the company that constructed the AC unit which is 2 The T Construction however, this company apparently declared for bankruptcy, so no one is able to help us repair the roof and ceiling as a result of the AC unit that was installed and solar panels, causing damage to the roof and our ceiling. My father is also very frustrated because he continues to be charged for the installation of the solar panels and AC unit. However, no one is willing to help with the repairs that are needed to the roof and the ceiling. We have contacted Mr. Cooper numerous times, and they keep directing us to the company that installed the solar panels and AC unit but they are no longer in business. When the solar panels and AC unit were installed, we were informed that we had 20 years of warranty from the date. The installation took place. However, this company again is no longer in business so no one is willing to help us not the old company that close down that installed the units and not our mortgage company Mr. Cooper. in addition, Mr. Cooper asked for us to contact the county recorders office and they also are unwilling to help us. However, once again, we continue to be charged for the installation and insanely high interest rate that was attached to this agreement of the AC unit and solar panels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax will not allow me to log into my account to manage my freeze. Their account recovery system does not work and I can not reach anyone. Upon further research, this is their common practice and I find it absolutely unacceptable to either intentionally lock people out of their accounts or to have software so poorly written that accounts require someone to file a complaint before anything will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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:
TransUnion is violation. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-11-22
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/. Given wrong increased property taxes info. I sent a screen shot showing the correct decreased amount. After three phone calls, five holds and one hang up I finally got it corrected. I was originally told that once the new decreased property tax was confirmed, I would receive a refund check for the difference. The refund will be held in my escrow account for almost a year now. {$500.00}. On top of that the company told me that XXXX XXXX Assessor sent the wrong property tax info. Lie. As a XXXX Vet of almost XXXX XXXX XXXX on SS, I find this very disturbing. Freedom Mortgage giving out loans to Vets with inaccurate info after the loan is completed. We have been with them for years and customer service is terrible.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: PA
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 from XXXX. XXXX XXXX on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to XXXX. XXXX XXXX on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from XXXX. XXXX XXXX since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to XXXX. XXXX XXXX that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : 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 explanation
Consumer complaint received 2023-02-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I purchased a vehicle in 2016 with a XXXX XXXX through XXXX XXXX. I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. This account has been deleted 3 times and re-inserted 3 times. Delete the items immediately or I will be forced to take legal action. 

Account/ XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit 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 recently talked to Apple Card Goldman Sachs today I was previously told by SIPERVISOR THAT a dispute was filed given number then get an email stating it was a balance inquiry. I have first been trying for a long time to get the correct credit info from apple I never got the XXXX XXXX phone or the clear case. most importantly I have many unknown charges and credits on my account, the XXXX app never matches what they say when I call the balance is always different usually more. I chatted a couple of times today also they did was waste jy time Im sure they are overseas texts due to the language. Still no results just seems like playing with customers I need help they just take your money then are rude hang up etc when u try and call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent a dispute that the account did not belong to me about a account that was closed and charge off and they reopened the account instead.

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