BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The Predatory Lender American First Finance was a lender I used to get a XXXX for around roughly {$1000.00}. I was set up for biweekly payments and made sure to make each payment full for 3 months. Assured by both parties ( XXXX XXXX XXXX American First Finance after calling ) that I was on track to pay everything off on time without any extra trouble. Today when I pulled up my account- it showed that I suddenly had a balanced owed of {$2500.00}, after making all of my Payments for 3 months. 


Its very unfair to me because I was ensured multiple times by both parties that I was enrolled and making payments at rate that ensured that the product would be paid off on time without paying triple of what I was expecting. There were also no emails or phone calls to inform me that this was going to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Unauthorized or Fraudulent 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 2022-06-04
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/2022. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX I received an alert that my credit report was pulled by XXXX XXXX for an auto loan. Just one day before i did receid a call regarding the auto loan interest even when i am not even looking for a loan or new vehicle. 

After the credit pull, I suspected fraud then reached out to the dealer/agent on XXXX who pulled my report who claimed that they received my data from he claimed that he received the data from XXXX auto loans XXXX XXXX XXXX XXXX ) and suggested to talk to the owner of that company XXXX - at XXXX. 

As suggested, I spoke to XXXX on XX/XX/XXXX, and explained to him that I had not used their service in the past 60 days. there could have been chances that I used in the past but not in the last 60 days, how did you pull my report or share my information with dealers? he promised to look at the issues. Since then, he is not reponding my calls.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( 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 2023-02-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX, Experian had reported on my credit report that XXXX XXXX XXXX had closed my credit card account. Due to financial issues, I was unable to keep up with the payments. Once the account was closed, my credit score took a hit which I had expected. On XX/XX/XXXX, it was reported on my credit report my XXXX XXXX XXXX XXXX  was 30 days past due. On XX/XX/XXXX, it was reported that the same credit card was now 60 days past due. One XX/XX/XXXX, XXXX XXXX was reporting my credit card is now 90 days past due. My credit decreased once they closed the account and now has been being decreased the last 90days on a closed credit card account. I have had other credit cards closed in the past but never have they reported past due on my credit report after the account was closed by the creditor. I don't understand how they are reporting past due every month on a closed credit card account when it was already past due before they closed the account which caused the account closure. Now they are decreasing my credit score several times which is unfair credit reporting.

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 2023-03-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached a report with inquiries I did not authorize, please delete

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 2023-02-04
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX - XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}

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 2015-08-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX/XXXX/15 with no other response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry please remove this inquiry and block this creditor. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, please remove this inquiry and block this creditor. 

PERSONAL ( ADDRESSES ) : XXXX XXXX XXXX XXXX XXXX XXXX I do not and never have lived this address please delete this from my credit report. 

PERSONAL ( EMPLOYERS ) XXXX XXXX XXXX I have never worked at this company please delete this from my credit report. 

XXXX I have never worked for this company please delete this from 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 2021-01-24
Company: Resurgent Capital Services L.P.
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 have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. CACH , LLC is reporting a collection account on my XXXX  credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX  and XXXX, yet continues to be inaccurately reported XXXX. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to XXXX  directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with CACH , LLC  on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Related to Acct ending in XXXX Claim or Reference # XXXX Consumer Financial Protection Bureau On XX/XX/XXXX I noticed some fraudulent transactions happening with my debit card and i called Chase immediately to report this issue, they immediately cancelled my card and issued me a new card. I was told that they will issue a temporary credit while they do investigations which they did and later came back in the end of XXXX and denied XXXX of the transactions because they insisted that the merchants involved provided accurate informations that the transactions was valid. I called Chase XXXX department and requested the merchants provided proof of valid transaction and a week later i received the documents from the bank and none of the transactions in question had my accurate billing information, I called back the bank and spoke to a fraud dept rep who went over the validity of this transactions XXXX after the other and upon establish that none of the transactions was valid due the billing/shipping informations provided, he told me that he will initiate an appeal for those transactions to be looked at, he told me it could take a month but they will get back to me. 
By XXXX of XXXX when I have not heard anything about the appeal I called the Customer service line and I was instructed to go into a branch and speak to a XXXX which I told the rep I will not risk exposure to XXXX when XXXX is still telling the public to keep observing the pandemic protocols. 
Today XX/XX/XXXX I called the fraud department again to restart this issue, at first she told me that all the transaction was permanently credited to my account because they determined that the merchants rebuttal to my claim was no sufficient enough, upon my disputing that I have received my money and iterating that she looks further, she realize that her initial judgement was not the case so she went ahead and created a new claim for the transactions in question. The Reference # for the current claim is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/19 you helped us before and you won for us now the mortgage company is playing games again! we got them to take our side and give us the modification it was due by XX/XX/2019 signed by my husband we had it notarized by our bank and was sent back! didnt hear back from sls so i called them and the modification said it was denied!!!! i asked why and he said because the nortary forgot to sign a line he said it happens all the time so if i didnt call sls we would have never known! so they emailed a new package to be signed again by a notary we did that and sent it over night like we were told to do! we have the tracking number so they couldnt play games! sls said they recieved it on XX/XX/19 and it will be esculated and to go ahead and start making your new payment! we didnt make the payment for a couple of days my husband wanted me to call back and see if everything is okay still thank god i did because now there saying it was a faxed copy not the email one which is a lie because we sent it over night and have the tracking nukmber we are getting differrent stories from different people please help us we just want our modification signed and stamped by sls so we can get on with our payments and not be scared thank you XXXX and 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 2022-12-01
Company: EQUIFAX, INC.
State: IL
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 rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file : CHILD SUPPORT ENF AG/N XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} 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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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: 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:
Equifax, XXXX and XXXX are refusing to remove fraudulent information from my credit report. I have submitted all proper documentation under the law - and yet they refuse to remove the info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion has been reporting a negative account on my report for the last 3 years I have suspected and they will not remove the account is incorrect has no date no amount and showing negative for three years I have reported over and over and they have done nothing to help

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 2020-07-14
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've tried several attempts to get Synovus Bank to remove their reporting error. They have simply ignored their wrong doing and fraud information rhe United States government. I have had no credit card account with Synovus Bank for over ten years. I opened an account back in XXXX and legally settled the debt back in XXXX. The account dropped off my credit file within the appropriate time frame.Years later Synovus has put this old account back on my credit in which first appeared on my file as of late XX/XX/XXXX. Some one appeared to make up dates of missing payments since XXXX and settled out as of XX/XX/XXXX because I haven't applied for credit with Synovus nor have I had a Synovus credit card account in over a decade. They are frauding the United States government by putting this legally settled over ten years ago back on my credit file debt again and to file it as bad debt with the Internal Revenue Service. They are lying and someone is stealing money in their department and frauding XXXX people accounts. They have been very discriminating in their credit practices. are trying to humiliate and destroy my credit well-being to protect someone in their company who is stealing and fraud in the United States government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive sent some documents. But forgot to add some additional information the bank statement of the end of each year till XX/XX/2019 Please review and look amount Ive paid I frankly feel no financial institutions should be allowed this excessive amount to be taken from anyone. This is plain theft and taking Advantage of people like my self living pay check to pay check. Or day by day because each day is different and times unable to cover the amount and the fees end up costing me more then the money I am able work. 
It accumulated and at times very hard to cover them when there no way of being able catch when the fees is the reason you keep getting set back. The more I work only to pay in fees

Company response to consumer: Closed with explanation