BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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 Balance : {$1200.00} ; XXXX XXXX Balance : {$4500.00} ; XXXXS XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$660.00} ; XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX : {$73.00} ; XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX {$600.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-11
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash App has no customer service #. My phone was stolen on XX/XX/2020. The culprit asked Cash App for a Code to change my cash app PIN & stole money {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ALTERRA GROUP, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
We bought our first house on XX/XX/XXXX. After our first mortgage payment was made, our mortgage was sold to Panorama Mortgage Group. The first payment I made with them went through their office in XXXX XXXX and the second payment went through their office in Arizona. I have uploaded proof of payment, my bank statements from XXXX, that shows the payment being made to their portal 5 times. I have also talked to XXXX different people that said that the problem will be taken care of and not to worry. The problem is that we keep getting harassed to make a payment that has already been made. The first mortgage payment to Panorama Mortgage Group was made on XXXX. The other XXXX payments were made on XXXX and XXXX. Since XX/XX/XXXX, I have XXXX missed phone calls and called Panorama Mortgage Group 9 times to fix this matter with no resolution. This has now been going on for XXXX weeks and I'm afraid that they are going to put a late payment on our credit and hurt our chances to refinance the house, or cost us more money on other things that require credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
According to the CFPB 's recently-established XXXX XXXX XXXX, if a particular debt collector calls more than seven times in seven days to try and collect on a debt, they are deemed to be in violation of the law and are harassing you. Ally has been calling me repeatedly and not stop and even on weekends. The number s are XXXX, XXXX, and XXXX. In the state of Florida it is only seven calls in seven days and they have violated over the top with repeated calls two and three times a day. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to.

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 2023-12-01
Company: Tecco Systems
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday TECCO called my business phone kept calling and then they called my XXXX XXXX telling her my business then they called one of my coworker and they never had her phone number her name is XXXX they called her yesterday then they call me again yesterday about 2 to 4 times a day and I feel like they are harassing me and my family to pay this debt and Im going to pay them but I feel like they shouldnt be going on social media and getting this people number and calling them about my business. TECCO been calling me a lot and I feel that this is harassment and I want something done with them

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I closed my Wayfair account. Wayfair acknowledged this by letter. Please see attached document. In Wayfairs XX/XX/XXXX letter to me they said, You have been unsubscribed from all marketing communications and your account removed. 
On XX/XX/XXXX I received a promotional offer from Wayfair. Please see attached document referencing my closed account. I wrote Wayfair about the offer and questioned them as to why I had received it. Please see my attached letter dated XX/XX/XXXX. 
On XX/XX/XXXX I received a reply to my XXXX XXXX letter in which Wayfair states : In order to assist you or to complete the processing of your request, we need to speak with you at your earliest convenience. I am uncomfortable with Wayfairs request, as I am sure they will want personal information that I will not provide to them. I do not trust Wayfair due to their past affiliation with 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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; US DEPT ED XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$100.00}

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 non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2020-03-11
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were assured that we could apply for a loan and that the application process would be simple. The mortgage company misled us and requested voluminous documents without disclosing that the application process would be extremely burdensome. I complained multiple times to the mortgage company, but they have deferred to their underwriter who keeps creating new requests. These delays are going to cause us to incur a late payment penalty with our current mortgage because we believed the mortgage company was that a decision would be made after we complied with prior requests for documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I work in a XXXX company that imports goods from the United States, usually the company pays these suppliers in accounts in the United States. In the last days, a criminal has falsified the email identity of a supplier employee and asked us to change the payment account to another number. And this communication turned out to be a fraud. We learned that it was fraud when the provider notified us that you had not received payment and asked them to confirm the information. We want to report fraud and the account that received the proceeds of fraud through this channel is : Banking Information : Bank Name : JPMorgan Chase Bank Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX The transferred value was XXXX usd I do not know the name of the beneficiary of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for auto loan application on XX/XX/2023. I spoke to XXXX and XXXX of Bank of America. I made it well aware that the were in violation of my rights. I was not denied credit. I provided the proper information. I was not given the funds for the auto loan. XXXX the XXXX said XXXX was the reason for the denial. I never did business with XXXX for them to be the reason the denial baffles me. I told XXXX I will be reaching out to the CFPB. I still want the funds for my auto loan. I told XXXX the call is recorded. I was confused because she told me that I can not receive the funds only the dealership. So I want to know why was I able to apply for the loan online.

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 2022-12-23
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:
I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Transunion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX To XXXX XXXX, and XXXX XXXX I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from XXXX  XXXX XXXX which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with experian and XXXX  XXXX XXXX to resolve this issue. I went to a XXXX  XXXX XXXX XXXX on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the XXXX  XXXX XXXX credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked my credit report today and noticed an inquiry from XXXX XXXX  XXXX  that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.

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 2019-01-02
Company: National Collection Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt is from the college I attended for my XXXX  study. It is the fee to graduate. Was not notified that it would go to collection, nor was I notified that it was with a collection agency. No one contacted me. I called school to pay and was told it was with a collection agency. Paid the debt with the collection agency and it is still appearing on my credit report months later. I was told it would be removed from my credit once I paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
After investigating I did not authorize this account in my name. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such in fact therefore no debt exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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: Account information incorrect

Complaint:
During Covid XXXX the XXXXXXXX XXXX XXXXXXXX were closed in my area there was no way to make my loan payment. I didn't have access to their online service. The customers services lines were down at XXXX XXXX  for a few weeks during this time. Once the bank opened I made my payments and the branch manager said she would address the problem and have the late payment removed. I found out when I applied for a line of credit in XXXX that the negative payment was still on my report. I was instructed to write a letter to the main branch XXXX east XXXX in XXXX XXXX XXXXXXXX this was XX/XX/XXXX, again I was told it will be taken care of. Still no results my credit is still impacted with a low score on Experian 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 explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I am concerned that these items are having a negative impact on my credit score, and I would like to request that they be removed or corrected. 

Firstly, there is an inquiry listed from XXXX XXXX that I did not authorize. The date of the inquiry is listed as XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I request that it be removed from my credit report immediately. 

Secondly, there is an account listed with XXXX XXXX. The account number is XXXX. I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

Lastly, there is an account listed with XXXX XXXX XXXX XXXX. The account number is XXXX. Again, I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

I hope that you will take this matter seriously and take the necessary steps to correct or remove these negative items from my credit report. Thank you for your attention to this matter. 

Sincerely, 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