BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.

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 2018-05-03
Company: BAS Receivable Management Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018 Phone Call to Me : Representative was patronizing, told me I provided her the incorrect answer when being honest about my financial shortcomings. Lectured me on how it was wrong to not pay my bills just because I don't have any money to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, 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:
due to covid 19 i pulled a copy of my credit report and notices accounts i did not open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
due to covid 19 i pulled a copy of my credit report and notices accounts i did not open in my name.

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 2020-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-07
Company: LEXISNEXIS
State: WI
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:
LexisNexis is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it. 

I do not have to provide Nexis Lexis with an identification card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXX, I discovered with great dismay that my credit history had been severely impacted by American Express due to a missing payment in XX/XX/XXXX. Concerned about this sudden negative entry, I immediately reached out to American Express via their online chat service to address and rectify the situation. Regrettably, after an exhausting two-hour conversation, during which I was transferred among eight different agents, I received no satisfactory answers or resolutions to my predicament. 

Through my interactions with the various agents, I discovered that the charge in question, totaling {$4.00}, was attributed to a credit card account ( XXXX XXXX XXXX, ending with XXXX ) that had been closed in XX/XX/XXXX. It was astonishing to find that a new charge appeared on this closed account after a period of over XXXX years. Furthermore, I was neither informed nor notified about this charge, which subsequently led to a missed payment reported to all three credit bureaus, resulting in a significant drop of more than XXXX points in my credit score. 

This situation deeply troubles me, not only due to the immediate consequences on my credit history but also because it raises concerns about the security measures in place at American Express. How was a charge made on a credit card that had been closed for such an extended period without my knowledge or consent? The lack of transparency and communication regarding this matter is disconcerting and demands an explanation from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally filed a complaint against ic collection in XX/XX/2020 for placing collection information on my credit I report for fictitious debt. 
I.C. Collection agreed to provide valid proof and statements for said debt. 
Today, XX/XX/20, I received statements for an account not mine. I.C SYSTEMS did not provide proof such as signatures, identification  documents associating me with the debt. 
I am still disputing the debt as mine.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.

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 2022-03-08
Company: RELIANCE FIRST CAPITAL LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up biweekly payments with an extra amount towards the principle. Reliance First Capital , LLC holds the payment in a " suspense '' mode till the end of the month. I also made several extra payments towards the principle and Reliance First Capital , LLC holds the payment for over 30 days! For example I sent them {$50.00} towards the principle every other week since XXXX and called them in XXXX. They said they were in a suspense hold and did I want the money released? I said it should have been applied toward the principle as soon as it was received. They said that is not their policy and waited until XXXX to " release the funds. '' THIS NEEDS TO BE INVESTIGATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXXXXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXXXXXX  XXXX {$460.00}

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 2023-04-21
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my 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 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Bank of America put a fraudulent credit card on all credit reports the credit card was paid and up to date with a {$27.00} late charge I looked at the credit report and whoever had the fraudulent account had made payments all the way up to this month.

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 2020-06-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 My gut told me to call mortgage company b/c I had trouble logging in that night before. I called about XXXX XXXX. to get help which I had already registered the previous weeks before. I was very concerned b/c they continually displaced my payments. Making it appear that I'm paying late which I have been consistent for over 10 years. I also had agreement with mortgage company to have auto payments set-up thru them. So how could I miss a payment. I did not request any assistance due to pandemic. I was very adamant about paying my account on time. When I read over my statement since it's paperless billing I don't notice as much. But I have noticed that by them making it appear that I'm late and reporting it. It affect the bottom line tax wise. The numbers are not adding up. I have reported before about inaccurate info. This totally changes interest rates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a United Mileage credit card while I was purchasing a ticket on united. 
The application was not approved on line. 
I realized that I had put a freeze on my credit report which was why the application did not go through. 
I lifted the freeze on the credit reporting and applied again and it was declined again. 
I kept receiving a succession of letters from Chase bank asking me to call them. 
I called them 4 times, each time having to wait for over half an hour to get to talk to them. 
Each time I had to lift my credit freeze so that they could access my credit information. 
Each time they told me that was all they needed. 
I explained the reason why I had reapplied for the card. 
They kept sending me similar letters. 
They assessed my credit report 3 times and as a result my credit score fell XXXX points. 
They had already decided to deny me the card because of multiple applications. 
There was no need to send repeated letters and repeatedly look at my credit report. 
I do not know if my last name of XXXX had anything to do with their decision. 
I consider their treatment not only harrassment but it also deprived me of getting a united card with the benefits it provided. I have had chase accounts before both as credit cards and car financing and my credit score was no reason for them to decline my card.

I am attaching copies of all the letters sent me as well as the effect on my credit score as a result. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I dont like having to wait on hold so much for information my credit!

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 2023-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I just received another letter from Wells Fargo Auto Finance. This one has my alleged 'Signature ' on it. 

1 ), The signature is so small I can hardly make it out. 
2 ) I can not write as small as they have on this alleged Loan Application as I have XXXX XXXX in my XXXX XXXX XXXX, and I`m right handed. 
3 ) I told the salesmen that I would not sign the application as it contained misinformation regarding my earnings and have no assets. So this Loan Application is a fraud. I`m attaching a copy for review. 

If Wells Fargo Auto Finance keeps denying this, then I believe it will be time for me to seek an attorney. I can also get one for free because I`m on Social Security XXXX. I will attach my award letter once again.

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 2020-06-08
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is related to a rental property located at XXXX XXXX XXXX, XXXX TX XXXX. The Money Source phone no. ( XXXX ) XXXX funded the loan ( XXXX ) and they escrow for insurance and property taxes. 

Back in XX/XX/XXXX, I got notice from XXXX XXXX XXXX where the property is located that taxes were due on XX/XX/XXXX for the amount of {$2900.00}. I called the Money Source and they told me to disregard the notice because they make payments automatically. 

On XX/XX/XXXX I got a notice in the mail from XXXX XXXX XXXX advising of delinquent taxes, a penalty and a potential lien to my property. I called the Money Source and gave the parcel number and they assured me not to worry, the payment will be made. I checked with XXXX XXXX XXXX on XX/XX/XXXX and no payment was posted. I panicked and paid the taxes and a penalty of {$260.00}. I paid a total of {$3200.00}. 

The Money Source website reads as if they made a payment for the base amount on XX/XX/XXXX. I called XXXX XXXX XXXX and they said they had rejected a payment that came after mine even though XXXX XXXX reads they paid on XX/XX/XXXX. 

I called the Money Source on 7 different occasions. XXXX, XX/XX/XXXX. On XX/XX/XXXX spoke to XXXX who said she can read a note from XXXX XXXX saying that on XX/XX/XXXX the county rejected the payment but the funds have yet to be posted to my escrow account. Every time I contact The Money Source the story is a bit different. They keep asking me to continue checking periodically. 

Called again on XX/XX/XXXX and XXXX said that there is not any activity on my account but that most likely they were not going to refund me the penalty I paid. It was my fault for making the payment. Called again today on XX/XX/XXXX and XXXX says that these issues can take 90 days to be resolved and that they are waiting for XXXX XXXX XXXX to return the funds. However, when I spoke to XXXX XXXX they said they didn't take any funds, they rejected the transaction. XXXX says that they have escalated my case but I still haven't seen any refund from XXXX XXXX. 

Please help me to get the {$3200.00} I paid. I feel I'm getting a runaround and that there is no accountability from these folks for their faulty system and the customer is be being penalized for 1. their failure to pay the escrowed taxes on time, 2. Not issuing me a refund the moment I called giving them proof of payment, 3. Not providing me a number where I can log a complaint with a person  who has authority to resolve my case.

Company response to consumer: Closed with explanation