BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 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 explanation
Consumer complaint received 2022-12-19
Company: American Credit Acceptance, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was told Id be able to refinance my loan and now that Ive tried I was told by my lender American credit acceptance that they are not a certified lender and that they cant refinance. I am being charged XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: MOHELA
State: VA
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 submitted my PSLF form on XX/XX/2023. When I submitted it there was language on the website that all forms would be processed within 30 days. 30 days have lapsed, so I called Mohela and they stated that it is taking 45 days now. If you commit to 30 days to process a simple form then they need to honor that and not change it mid-way after submission. I have also spent two plus hours waiting for someone to answer my calls. They are making a lot of money servicing loans and should adequately staff and resource to fulfill their contract obligations. 

They should process simple forms within 30 days. And not change their policies after they have committed to this when you upload a form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies still that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file XXXX XXXXXXXX

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion purposely reported outdated information such as employment history, inquiries that make no sense/ non banking agencies such as auto insurance, and random numbers/ garbled to anger customer

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 2021-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Citizen One bank ( Citizens Bank ) opened two fraudulent lines of credit in my name. 

I discovered the first line of credit on XXXX and contacted the bank. I had to explicitly request that they check if other lines of credit had been opened in my name, at which point I was informed that there was a second line of credit in my name. It took them over more than seven business days for them to send an automated email with instructions on how to submit a dispute. There is no way to contact the ID Theft Department directly -- I am forced to go through the regular customer service line ( they indicated that this was because of volume -- they just didn't have enough people to answer all their identity theft related calls ). The email they provided would not accept attachments -- even though this is the way they instruct you to submit your dispute materials ( I zipped and reduced the size of the files, and I tried from two different computers and two different browsers -- no luck ). They have yet to acknowledge receipt of my dispute packet, and I am unable to get through to any human being able to confirm anything related to the process. They also disputed my credit dispute with XXXX -- telling them it was accurate. 

I am appalled how little responsibility this bank has to address the problem. I am appalled that they allowed these two lines of credit to be opened in my name -- anyone actually reviewing my credit history ( excellent ) would have easily seen that I did not require two different microloans for two XXXX. As a consumer, I have been left with no way to get this problems fixed -- I am wholly at the mercy of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 has violated my rights. Or a 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 2022-12-19
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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on 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 non-monetary relief
Consumer complaint received 2021-05-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am active duty military and purchased my new construction home in XX/XX/XXXX. Lakeview XXXX serviced the mortgage from XX/XX/XXXX to XX/XX/XXXX. During that time, an associate at Lakeview XXXX contacted me about refinancing and lowering my monthly payments which were {$3200.00} ( {$2500.00} P & I + XXXX escrow ) at the time. 

I started the refinance process with Lakeview XXXX and noticed that UNIT # had been left off the address and the property tax estimate was wrong. ( Thus, I am being charged/taxed for the ten townhomes on the property instead of the one townhome that I actually purchased and live in. ) I was assured it would corrected at closing. At closing, the address and property tax estimate was still not corrected and I was told it didnt matter because the property tax parcel number was correct and the escrow would be updated. 

After closing, I noticed the address and property tax estimate still had not changed and my mortgage had jumped from {$3200.00} to {$7300.00} ( {$2400.00} P & I + {$4800.00} escrow ). I began calling Lakeview XXXX to get the address and property tax corrected. 

I paid the first months mortgage in full thinking it would be corrected. It was not. I continued calling Lakeview XXXX and nothing has changed. My address is still wrong and the property taxes are not correctly estimated more than 4 months later. I have borrowed money to keep my account current but now have less that 20 days to make another payment which has now increased to {$7400.00} effective XXXX! 

I simply can not pay a miscalculated and grossly inflated escrow amount based on a Lakeview XXXX error that they refuse to acknowledge and correct. 

I never expected that responding to Lakeview XXXX offer to refinance at a lower rate would end up being the biggest mistake of my life and force me into foreclosure.

Now, I am begging, anyone who can, to work with me to see that this is an error on Lakeview XXXX part in that their Closer did not analyze the correct property taxes and if the property taxes were properly analyzed, my monthly payment and escrow balance would be adjusted ASAP. 

I am deeply disappointed in the total lack of customer service I have received from Lakeview XXXX regarding this matter. The result has been been devastating as Lakeview XXXX has sent notices of my potential foreclosure to the Credit Bureau, Veterans Affairs, and my commanding officer, and a Notice of Default and Intent to Accelerate Foreclosure was sent to me on XX/XX/XXXX. 

Lakeview XXXX has had four months and multiple conversations regarding the facts in this case and has yet shown any willingness to correct this 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the second complaint Ive made regarding TransUnion credit freeze being impossible to put on hold for a few days ( unfreezing temporarily ) in order to apply for credit. It is still impossible to reach an agent by phone within a reasonable time of 30 minutes hold time, and it is impossible to do it on the website because they take so long to send a two factor authentication email that it times out, or else the website hangs and says they are experiencing problems. Please escalate this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal i do not understand what happend with your system. 
i already received the email for withdraw my money, But the problem was after i try with the agent to withdraw the money to my account, the system limited again the account. 
So i just made one change into the account and your system blocked me again. 


i just want you help me to fix the issue with my account. 
i already explaind to you what going up, at the time when i try to withdraw the fund. 

I hope you really try to help me becouse i feel really depress with this situation. 

i upload the document and screen shot about my account. 
my email addres is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: ENCORE CAPITAL GROUP 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:
Last year I discovered a false account with XXXX now owned by Midland Credit reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Dynamic Recovery Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
Dynamic Recovery Solutions has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that Dynamic Recovery Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We filed the following complaint against Chase through this website. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account But disappointingly, we have been told they can not help us because we are not their customer and there's a third party involved - I assume they mean the con man who has been using Chase to cheat people of their money. We've been told the case is closed. That's simply unacceptable, especially in this day and age of Internet scams. Banks are the loophole. Scam artists are using banks to take people 's money. Banks and the Consumer Finance Protection Bureau must do more to stop this. I understand you can not discuss the account holder/scam artist in question but you can at least explain to me what Chase 's general procedures are when faced with such complaints. 

1. Do you freeze the accounts? 
2. Do you launch an investigation? 
3. Do you take evidence from the victims of the scam artist? 
4. Do you blacklist such account holders if you find sufficient evidence they are using your bank to take people 's money? 
5. Do you do anything to stop this from happening again, for instance by REALLY checking the ID of people who open accounts and making sure they are not fake IDs? 
6. Do you forward the complaints, evidence to the FBI 's Internet Complaint Center ( ic3 ) so they can track down these people and file criminal cases against them. 

Or does Chase simply take people 's money, loan money to earn interest and do nothing more for consumers? 

Do banks like Chase understand that you exist, your jobs exist because of something we the consumers give you - that's TRUST. If we no longer trust you and believe you have our best interest in mind, why would we put our money with you? 

My next steps are to tell everyone I know and publicly on social media the sad incident that happened to us and to urge my family and friends to not put their money with companies that do not have our best interest in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and XXXX, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with Credit Karma and once 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