BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Unifin 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 got a letter from unifin that i owe XXXX and i do not owe any company any money. 

im gon na also dispute this account by mail and by email and im filing cfpb report. 

you cant put a collection on my credit report that i do not owe i already have a ftc report and police report and ill dispute it with XXXX  and XXXX and XXXX  if you try to be sneaky i might even file a small claims in court easy money per fcra laws XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-05-16
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS IS ABOUT JACOB LAW GROUP, PLLC IN XXXX, MISSISSIPPI. 
THIS FIRM HAD A LEIN PUT ON MY HOME OVER A COLLECTION THAT WAS PAID OFF IN XXXX , THE LEIN WAS PUT ON MY HOME IN XXXX. THIS WAS A XXXX XXXX XXXX XXXX THAT HAS BEEN PAID OFF , NOW THIS LAW FIRM IS TRYING TO COLLECT DOUBLE ON THIS ACCOUNT . I HAVE BEEN CONTACTING THEM  REGULAR ABOUT THIS . THE CIRCUIT CLERK OF COPIAH HAS CONTACTED THEM ALSO BUT THEY STILL RELEASE THE LEIN WITH ALL THE PROOF THAT I I GIVEN THE THAT THIS BILL HAS BEEN CLOSED AND PAID OFF. 
JACOB LAW GROUP PLLC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSISSIPPI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Lending Club Corp
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My exhusband skipped out on a debt in my name that he was ordered to pay in then divorce decree. I set up interest only payments but they tried to debit his account instead of mine and it was blocked and then they wouldnt let me reinstate. Im currently having to pay the loan but it has fallen behind due to these extenuating circumstances. The day after they receive a payment from me they start calling me at all hours of the day. Ive had calls before XXXX XXXX and after XXXX XXXX on the same day. I get no less than 3 calls a day and thats a slow day. It is harassment plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I opened a complaint previously ( XXXX ) which has been closed. The resolution was not satisfactory to me. Once the Public Service Loan waiver was implemented in XX/XX/XXXX, I inquired at Fedloan do I need to consolidate my remaining Direct Loans together and have all my loans as one loan. I was told no because the loans were already Direct and resetting them would reset my count to 0. Yet, one of my loans was forgiven during the review. Then later the language was updated in the waiver that consolidation loans that were comprised of underlying loans that have different numbers of qualifying payments, as long as your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. I was never given this opportunity because I was 1 ) told not to consolidate and 2 ) had the remaining balance of the loan forgiven before I could consolidate. Changing the language and advice provided for the waiver after the waiver has been instituted is like changing the rules to the game once the game has begun. 

The resolution that you provided in my previous complaint is missing the point that I am making. The point is this if in XX/XX/XXXX if given the correct advice I would have reconsolidated all my loans together. My complaint has zero to do with the XXXX consolidation. The complaint is about the advice provided in XX/XX/XXXX that was changed once my loan was forgiven by the waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX night at XXXX my XXXX XXXX was repossessed. When I called West Lake Financial, I was told that my car will not be released until the balance is paid. My loan was originated with XXXX XXXX XXXX and I paid off the first vehicle on this account and towards the very end of paying off this vehicle, my loan was sold to or given to West Lake Financial because I was told all XXXX XXXX accounts were being handled by XXXX XXXX. I asked XXXX XXXX why was my account being handled by a collection agency when I was not late on my payments. I was told it was not a collection agency and they will be handling all accounts. From my very first encounter with West Lake, they did not have any of my information in the system for 2 months but told me when my information finally got updated that my account was past due. I told them that I pay XXXX every month on the XXXX and when I make my payments, they continue to ask about the past due balance. I spoke with XXXX XXXX and was told that I should disregard that and they have instructed West Lake that my account is not past due and to accept my regular monthly payments. My account is now down to under XXXX as of today XX/XX/22. The balance left are deferral payments over the course of the loan and those are being paid back as I did the entire loan ( in monthly payments of XXXX ). I received a letter from West Lake stating I am in total collection and car could be repossessed. I immediately called XXXX XXXX and was told, they will take care of it and not to worry. Everytime I called West Lake no one would listen and everyone was so scripted that what the customer said was not important. Well I looked out my window last night only to find that my car was gone and I called XXXX XXXX to assist since they are the ONLY ones listening. This has been a TOTAL NIGHTMARE with West Lake and I plan to take further legal actions against this company to the fullest extent of the law. They are very unprofessional and ALWAYS act like bullies everytime I call them. The last conversation was with a supervisor XXXX XXXX who stated to me that my car will not be released until the balance is paid. I tried to explain to him what was going on and he told me it did not matter, the car is not being released until they get the payment. This treatment is unacceptable.

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 2021-04-16
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:
Due to me being a victim of identity theft I spoke with XXXX at Transunion on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.

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 2017-08-15
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I reported to Chase back on XX/XX/ that I detected fraudulent activities on my Chase Total Checking account. Upon knowing that information, Chase sat on my report and did not safeguard my account which later on I was affected by further unauthorized wired fraud charges. 

The sole reason for my hacked account to remain open was that I was waiting for Chase to overturn my temporary credit reversal on my checking account. 

Based on these particular transactions, XXXXXXXX XXXX XXXXXXXX XXXX XXXX clearly indicates a red flag that a hacker could be building a false identity. My XXXX XXXX XXXX XXXX XXXX XXXX was also hacked so the hacker probably have photos of me. Therefore, any hacker that can gain access to make purchases can make any charge appear legitimate. Making it easy for merchants to approve those charges, which makes it all the more dangerous. 

I was instructed over the phone by a supervisor name XXXX from Chases Claims Online Department to go into any local Chase branch and have any employee fax it for legitimacy. Chase branch faxed and mail the requested affidavit 3 separate times, the branch manager XXXX from the XXXX XXXX XXXX can personally verify that he took the necessary action to expedite the process. Chase still claims they have not received the fax to this day. 

As it turns out, Chase later admitted they would not have credited me {$280.00} unauthorized charge from XXXX XXXX XXXX  charge due to some frivolous technicality ( must report within 60 days but has the courtesy option to file a claim ). If they had communicated that from the beginning instead of having me run in circles, I would have closed the hacked account by early XXXX, avoiding further fraud activity such as wire fraud that took place after XXXX. What makes this easy to prove is that the fraudulent checks did not have my actual endorsed signature on them. But what Chase should have at least done is to prevent any funds from going out such as XXXX payments. There should have been a restriction on all my recent activities from the day I reported this. 

According to Chases Total Checking policy, a minimum of a {$1500.00} balance in the account is required in order to avoid the XXXX XXXX monthly fee- if it was not for that, the hacker would not have been able to send out a payment of {$900.00} through XXXX because I would have withdrawn all of my funds out on the very day I reported the fraud activities. 

Any fraudulent activities after the XXXX XXXX could have been easily avoided if Chase did their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 2022-10-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX : XX/XX/XXXX Account number XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Account number XXXX XXXX XXXX XXXX : XX/XX/XXXX Account number XXXX. 

XXXX of XXXX : Date, XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXXXX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

Inquiries made on XXXX by XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Inquiries made on my Equifax account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

These inquiry and accounts are fraudulent and are unauthorized. These accounts and inquiries are being reported fraudulently on my consumer credit report companies XXXX, XXXX, and Equifax. And I am requesting and immediate Removal/Deletion from my Consumer Credit Reporting accounts . And i issued a cancellation and recessions that have yet been responded not to and I am also requesting a full refund for all accounts that took payments from my personal accounts. A full refund is requested immediately from all companies due to unauthorized transactions on accounts and fraudulent transactions that resulted in return payments and payment adjustments and closing of the accounts without my knowledge or consent. Companies fail to meet agreement terms and fail to protect my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Review my credit report and I find that there are accounts that are reporting misleadingly. These accounts must be verified in my report in order to prevent more erroneous information on my credit report. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX sent the required files and documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so verify the aforementioned accounts

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 2021-07-25
Company: Franklin Credit Management Corporation
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2012 i applied for a HAFA short sale with the primary mortgage holder and Franklin Credit Management the primary mortgage holder approved the short sale, a couple of months go by and Franklin Credit would not give an answer at that time the potential buyer pulled out. The house then went into strict foreclosure XXXX XXXX with a law end date of XXXX XXXX. I have experienced what seems to me as harassment from Franklin Credit Management Corporation. Franklin credit has not been showing up on my credit report however I received a letter in the mail stating the amount that was old as well as well as a certified letter on XX/XX/XXXX giving me 30 days to contact them. On XX/XX/XXXX they sent someone to my home two deliver a letter to me stating to contact them with their phone number in that letter. I am asking for your assistance as soon as possible with any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased food on XXXX XXXX  through cashapp using my cashapp card. I had an issue with a promo code for XXXX XXXX so i contacted their support team. The support agent told me to buy the food at the full price then to contact them again so they can refund me the amount that the promotion wouldve taken off ( which was {$20.00} ). I contacted them three times in one day and no one tried to help me. I wouldnt have purchased the food if I was going to have to pay the full price, thats why I was trying to use a promotion. So i was mislead. I filed a dispute with cashapp and provided evidence of what the XXXX XXXX  agent told me, and my dispute was denied. It said no error occurred. This is sad that I was tricked into purchasing something and was told false information so the company can take my money, and the fact that cashapp has done nothing about it speaks volumes. Ived used cashapp for years and I cant believe they treated me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Me and my husband went to a mortgage broker to see if we qualified for a mortgage and we where told we had negative items on our credit reports. After investigation, we found out that we had fraudulent items on our credit reports.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate 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 acquantained or who may have knowledge concerning any such items of information.

They stated my accounts 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 accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation