BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Marlette Funding, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Someone fraudulently used my SS # and name to get loans. They also changed the address and phone number on my credit report and set up a XXXX  service account using my information. 
This occurred on or around XX/XX/2022. 
Three loans were taken out : Best Egg in XXXX, Pa {$10000.00} XXXX XXXX in XXXX, MD {$3100.00} XXXX XXXX in XXXX, SC {$6200.00} The companies have been notified and fraud reports started. 
I filed a police report to be included with these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2018 I was contacted by a debt collection company by phone stating that I would be going to jail for check fraud unless I paid $ XXXX, for a loan I was given by ACE CASH EXPRESS approximately 10-15 years ago. I am currently on SSI/Disability and I told that to the person on the line " whom I later learned was named XXXX ''. And I explained to him that I didn't have that kind of money and was struggling to make ends meet. However I did tell him that I could make an arrangement to pay something each month until it was paid off and he asked " how much '' and because of my current financial struggle I stated that I could pay at least $ XXXX- {$25.00} per month and at times maybe more until it was paid off. Well XXXX then stated that he couldn't accept that low of an amount and asked if I could ask my friends and family members and come up with {$1700.00} that day and take care of this. I again told him that I was unable to come up with that amount so he said he could lower that to {$700.00}, and I told him that I have no friends or family members that would loan me that kind of money. He then drop it down to {$500.00} ... ..and once again I stated that I just was unable to come up with that amount. He then said " well can you ask your friends and family members for {$170.00} today, to keep me from sending somebody out to pick you up today XXXX meaning arresting me and taking me to jail ). Frustrated and afraid of being arrested, I told him that I would make a few calls to someone and see what I could do. Unfortunately I was unable to come up with any money, and when I tried calling back several times I kept getting a busy signal. " Please Help Me ''? The Docket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-03-04
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was in a wreck on XXXX. In the process I was refinancing my house to consolidate my house and car. After the wreck the insurance company deemed it was totaled and paid off the amount owed. The refinance company told me since we signed paperwork they couldn't change the check and instructed me to send it in to kia motor finance and that they would be sending me that check back as a refund. So I did as I was told, and kia motor finance received the check on XXXX. They have done nothing but give me the run around for now five months about that check saying for the first 2 months they were resending the check. Then I spoke to a supervisor only to find out that the first check was still " pending ''. I asked him if that meant they never sent out the first check he said correct. Ever since then everytime I have called them they now say that the payment processing team has said it's " excluded ''. They also claim they can't tell me why it's been excluded or anything because their payment processing team didn't write anything in their notes. I have asked them If I should just go ahead and get a lawyer involved in the past and they said " sure go ahead and get one '' as if it was nothing. My refinance company says that the matter is out of their hands because kia motor finance cashed the check and has never heard of a company not willing to send back the money that wasn't theirs and instructed me to contact my senator ( to which I did and was told they don't handle matters like this ) and to contact consumerfinance.gov

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 2021-05-27
Company: Collins & Hilton Asset Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collins Asset Group , LLC reported information to my credit file in XX/XX/XXXX with an account origination date of apparently XXXX. I have never entered into a contract agreement with Collins Asset Group , LLC. I contacted this company via phone for additional information as they claim I owed them {$4900.00} and request this be removed from my file as it's being reported without validation. They said they would send me proof. Nothing has been received. I have also emailed this company twice at the email on their website to get validation of this alleged debt on XX/XX/XXXX, and again on XX/XX/XXXX. No response. I've yet to receive documentation proving this account is mine. It is now XX/XX/XXXX. 

Per the Fair Credit Reporting Act, after a request for debt validation and no response from the collection organization within 30 days, any reporting on my credit file constitutes an illegal continuation of collection activity. Collins Asset Group , LLC is incapable of verifying the information of this alleged debt, so I can not verify this alleged account. I have given Collins Asset Group , LLC ample time to resolve this alleged debt. 

This account needs to be removed from my credit file. In addition to reporting this here to the CFPB, I will be reporting them to the Texas Attorney General 's office and seeking legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint is with JPMorgan and Chase and XXXX. XXXX  continues to report misleading credit information on their fee for service site. XXXX. Credit scores and account information on their website contradict and are completely different then what is reporting to agencies such as JP Morgan and Chase and XXXX. 

XXXX  displays more positive account reporting. After attempts to be approved for tradeline credit based on their fee for service account, lenders such as JP Morgan and Chase report back with profoundly lower credit scores and defamatory credit information such as recent delinquencies, bankruptcies, chargeoffs as well as low available credit. I was also informed by XXXX XXXX  uses a 3rd party called XXXX. I have never initiated nor authorized any services from XXXX. XXXX has blocked and flagged my individual personal credit as problematic, high risk and extrey derogatory. Neither JpMorgan and Chase nor Experian have credit score information and scores matching JpMorgan and Chase ' letter of declination. I find this practice to be fraudulent and quite discriminatory. I'm a conversation with the lending representative, he could not answer many of my questions of standardization of credit approval. He said it is case by case and based on reporting from XXXX. The same website reporting contrary information. I paid this company XXXX a month to monitor my credit ACCURATELY. Their ratings are noticeably lower than XXXX  and XXXX  in my case. None of the scores listed on any of JPMORGAN AND CHASE 'S declination letters matched XXXX  customer reported information. Nor did JP Morgan Chase 's credit journey third party site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and the certified mail receipt. Here is the XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : these are unauthorized unknown and unrecognizable Name of Inquiring Companys : 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is 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 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
BJ 's Perks MasterCard My XX/XX/2020 statement was a PURCHASE balance of {$72.00} which was due on XX/XX/2020. 

On XX/XX/2020 I paid {$75.00} which appears on my XX/XX/2020 statement, within this same statement there is a {$6.00} Interest charge for purchases. 

However, the Purchases were Paid in Full prior to the due date of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan servicing company : XXXX XXXX XXXX XXXX has missed applied and or not applying monthly payments towards the principle balance. Several attempts have been made to encourage the loan servicer Ocwen to credit the mortgage correctly. The company has refused to work with me and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX IF falsely reporting information on my credit report that is invalid. Due to current litigation against this company, it is illegal to report any negative information on my credit report until after the court matter is resolved. 

Please see attached documents I am currently appealing a case with this company, and a decision has not been handed down as to the outcome of that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage with Wells Fargo Home Mortgage. During the life of our loan, we paid {$87.00} monthly for PMI insurance. These payments typically post the third week of the month. We paid off our loan on XX/XX/2020. When reviewing our escrow account, we noticed that we were charged {$170.00} on XX/XX/2020. We called Wells Fargo for more information on the payment. We were told by a Wells Fargo representative that our PMI is paid in arrears. The explanation for the charge was that since we paid off our loan later in the month, that we also had to pay for XXXX PMI. This does not align with the representatives statement that PMI was paid in arrears.

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 2020-04-10
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt ( XXXX Cable Bill ) was the result of identity theft. Someone has utilized my identity to take cable bill under my name. I contacted the agency and paid the bill. I was told that once I paid the debt, it will be removed from my credit report. in fact, I was asked to pay 75 % ( {$110.00} ) of the bill ( {$150.00} ) to clear it out on my credit. Rather, I paid 100 % of the bill ( {$150.00} ) to make sure it will clear on my credit. However, as of now, the transaction still on my credit report, as negative item. As a result, my credit score has decreased considerably, from XXXX to XXXX. Please have this company removed this negative transaction on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the is account completely from my Credit Reports : XXXX OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT!

These student loans must be removed from my credit report immediately.

U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation