BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX  ( Original creditor XXXX  XXXX ) XXXX Account Name : XXXX  ( Original Creditor XXXX XXXX ) XXXX Account Name : XXXX  ( Original Creditor XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Account Name XXXX # XXXX Account Name : XXXX XXXX Has a balance of {$300.00} Account was Charged of 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1681c section604 ( a ) ( 5 ) Section 2 States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-05-29
Company: FISERV INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I proceed a transaction from my client for a job on my CLOVER account, on XX/XX/XXXX they took the transaction fee out of my account and never transferred the money.On XX/XX/XXXX I had to call to see why my transaction wasn't in my account, come to find out security is holding a review on it, they didnt send an email or an alert ( which is very unprofessional saying that the fund is in review ) ( also they never sent me back the transaction fee since the transaction wasn't made ) I asked to speak to a person in risk department and they tell me the only way to talk to them is via email and they would have to be the one to send it, also that a reply wont be back till 24-48hrs. Now it took a while 2 weeks for a XXXX XXXX only to tell me that I have to wait and that the transaction will be sent to the account the next day. Well guess what? Nothing came in and I called back again and I had to wait a whole two weeks to talk to the same LIAR called XXXX XXXX. XX/XX/XXXX ( a whole month after ) I get on the appointment with XXXX and he tells me that I should issues a refund to the client and that my account will be closed, needless to say this LIAR lied again. He told me that I can issue the refund on XX/XX/XXXX and it will be sent to the client.On XX/XX/XXXX I called the clover company ( by the way, they dont have any good communication, and they dont care about your problems to find a solution for it, theyll give you the run around till you are frustrated ) and they tell me that the refund will have to go thru security risk which might take another two weeks, but yet XXXX XXXX XXXX told me the refund will be sent to my client by XX/XX/XXXX. When I talked to my client he informed me that he hasn't gotten anything. I called CLOVER again and had to schedule an appointment with the same XXXX on XX/XX/XXXX. On XX/XX/XXXX I talk to him and he tells me that he is just now putting in the request for the refund to be released ( mind you he was suppose to do that since XX/XX/XXXX, I also requested to speak with a supervisor to which he told me none was available ( how convenient for him that one isn't available for me to report him ). on XX/XX/XXXX I called CLOVER again to which the told me someone would call me within 24-48hrs, today is XX/XX/XXXX and I have had it with all the lies and run around. this is a round for the amount of {$10000.00}

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 explanation
Consumer complaint received 2023-10-18
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After contacting XXXX XXXX Issue still is not resolved! THIS ACCOUNT WAS OPENED FRAUDULENTLY! 
THEY HAVE YET TO PROVIDE ME WITH DOCUMENTATIONS THAT HAS A SIGNATURE, PHONE NUMBERS, SOCIAL SECURITY NUMBER, OR DATE CONTRACT WAS FRAUDULENTLY HONORED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX 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 2017-08-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
the previous mortgage servicer did not modify to benefit homeowner and refused to provide any info on its NPV and water fall calculations and never responded to the homeowners protest of the value due to builder defects which greatly affect the value on the open market also previous attempts get modifiaction under imminent default where ignored to the detriment by the delay of modification due current servicer has refused to address this issues and has foreclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/ I booked a hotel for my upcoming trip to XXXX XXXX XXXX. They charged my chase freedom credit card XXXX. For the XXXX XXXX XXXX XX/XX/XXXX to the XXXX XXXX 
On XXXX XXXX XXXX XXXXXXXX I contacted the XXXX hotel to confirm my hotel reservation. I was told they didnt have a reservation and I needed to contact XXXX 
I contacted XXXX and chase bank that there wasnt a reservation on file for me and I disputed the charges. 
XXXX requested booking confirmation etc. which I could only provide the charges. I communicated with them up through XXXX XXXX 
I have gone back and forth with chase and XXXX 
I have provided the following information to chase bank in writing : Email from the XXXX hotel in XXXX  that they never had a reservation for me nor received any payments from XXXX covering a reservation. XXXX XXXX from the XXXX hotel XXXX Copy of Credit card charges. 
I want my money back. I had to book with another hotel for my trip. 
Ive attached documents to this complaint. 
Please advise if you need any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a 1st mortgage and 2nd mortgage with CitiBank. I refinanced the 1st mortgage on XX/XX/XXXX. The refinance was to be applied to our 1st mortgage but CitiBank mistakenly paid off our 2nd mortgage. This left me with two 1st mortgages on our primary residence. On XX/XX/XXXX I notified CitiBank about their mistake. 

The error was corrected on XX/XX/XXXX, however CitiBank did not correct the error with the loan processing company XXXX XXXX XXXX XXXX XXXX XXXX ) and now is resulting in derogatory credit reporting on my credit report regarding this account. Citibank has not corrected this reporting to XXXX  and no action has been taken to correct 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 2021-06-16
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to delete the following information in my file. The items are listed in my report. 

I am also a victim of Identity theft and did not make any of these charges. I ask that the items be deleted and corrected on my Credit Reports. 

I reported these thefts of my identity to the Federal Trade Commission and also I enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 

Please delete and correct all items as soon as possible.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2021 I contacted TransUnion about the following inquiries XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX - XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-10-18
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint letter about the actions of the collection agency, I.C. System, Inc, in regard to a debt claim against me in the amount of {$230.00}. I have no knowledge of any contractual agreement or transaction with I.C. System, Inc, and I have never received any services or goods from this company. Despite my request for verification of the debt in question, I have received no documentation or proof that substantiates this claim. Given the absence of any prior knowledge or dealings with this company, this situation raises serious concerns about the validity of their claim, and I am worried that I may be the target of a scam or fraudulent activity.

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 2023-09-11
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a vehicle through ally in XX/XX/XXXX, and in XX/XX/XXXX I sold the vehicle as a dealer buyout. Fast forward to earlier this year ( XXXX ) I was made aware that there was a balance on the account that I was not unaware of. I decided to do a payment plan for the balance, upon completing the payment plan on XXXX XXXX, they reported my account as late, delinquent and settled, which dropped my credit score more than 100 points. I feel like this was unethical and I was not made aware that this was being report to the credit bureaus, and figured this was just a in house matter. I have had my credit history for then 15 years and I have never in life had a late or Miss payment, this 100+ point deduction on my credit report has been detrimental to me and my future

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 2023-09-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX have noticed some unauthorized inquiries appearing on my credit report I have listed the inquiries below and uploaded supporting documents. 

1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXXXXXX  4. XXXX XXXXXXXX XXXX XXXXXXXX  5. XXXX XXXX XX/XX/XXXXXXXX  6. XXXX XXXX XX/XX/XXXXXXXX  7. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: WI
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 filed bankruptcy under the bankruptcy laws of the United States, discharged in XX/XX/XXXX. In that bankruptcy was an account with XXXX XXXX. Since then I have been rebuilding my credit, paying all bills on time with no issues when I get an alert that XXXX XXXX reported my account in XX/XX/XXXX as a write off. Coincidentally they tried to collect from me 30 days ago when I reported to them I filed for bankruptcy. 

I disputed the line item with experian explaining this should have been included in bankruptcy protection - they responded by saying that XXXX XXXX confirmed it was a valid report - how can they do that? Anyone can clearly see the account was included in bankruptcy. 

Please help as this is a violation of my rights as a consumer and Experian is a joke. I called them - you can barely get through and then they gave me a number to call that just loops you right back. I tried to do their online chat, sat there for almost a hour then they say they are too busy right now.

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 2021-06-16
Company: Wallace Management Company, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was a included in my bankrupcy dated XXXX XXXX. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Cass & Associates
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stolen my identity and opened up some type of credit in my name on XX/XX/2023 for XXXX $ now my credit score dropped XXXX point because of it company name is cass & associates. I disputed the collection XX/XX/2023.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I requested to transfer {$20.00} into my Binance.US account from XXXX XXXX XXXX XXXX and the transactions failed couple of times and you can see the Fail message in my transaction history. When I checked my account transactions with XXXX XXXX XXXX XXXX it shows that you guys took of {$20.00} five times. A total of {$100.00} but in my account its shows {$50.00}. I called community XXXX XXXX XXXX and they told me to reach out to you guys to get that reversed. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 an open end consumer credit plan as late for purpose

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 2022-03-29
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a navy federal account and 4 months ago i got sick with XXXX XXXX and i was in XXXX for 2 and a half months when i was in there Navy cancel my debit card so my family had no way in deposit to my account and i got hit wirh over XXXX worth of fees over draft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Firstsource Business Process Services, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I, XXXX XXXX, approximately dated XX/XX/2022 was victimized of phone fraud and elderly abuse. I thought I was talking with XXXX XXXX  XXXX personnel, unbeknownst, to me, the caller was asking for my account information and balance, the caller stated that my account was charged {$18000.00} about child XXXX. The unknown caller further stated that he/she can assist me. I was so frightened and disoriented about the charges and such charges as this. The caller stated to further assist me I needed to go to certain places and obtain gift cards in varies amounts to further utilized my own credit card. I went to varies stores and I did exactly what the caller requested in amount of {$2000.00}, i scratched the cards and sent via image over the phone as they had requested. As i realized after talking with my son, I informed my son what had happened, frightened in my mind about the charges of child XXXX, I thought the police would show up at my door. I immediately went to the nearest police station and filed a report. I there after went to XXXX XXXX  XXXX only to be even more victimized. As of XXXX XXXX, I am now receiving debt notices from the collection agency, which XXXX XXXX XXXX XXXXXXXX apparently sold my personal data information.

Company response to consumer: Closed with explanation