BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
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:
This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XX/XX/XXXXXXXX  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 2021-06-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX, NJ on XX/XX/XXXX. My mortgage was with XXXX XXXX. On XX/XX/XXXX, I emailed a copy of the real estate tax exemption letter that I received from the Tax Assessor of XXXX Township ( as a surviving spouse of a XXXX XXXX XXXX veteran, the state of NJ grants exemption from real estate taxes ) ; the receipt was acknowledged on XX/XX/XXXX. I was informed that XXXX only does escrow analysis once a year in XXXX and at that time, I would be refunded the amount that I paid in real estate taxes and my monthly payment due would be adjusted. In XX/XX/XXXX, I was informed that my mortgage account was sold to PHH Mortgage. My account number is XXXX. I was told by representative of XXXX that PHH would be handling my account going forward and would be responsible for the required adjustments to my escrow account including refunding my overage. I called PHH and was told that the letter from the Tax Assessor was not provided when my account was sold. I then mailed the letter to PHH. The receipt was acknowledged by a customer service representative in XX/XX/XXXX. I was told that an escrow analysis would be performed with the tax exemption and it would take about 10 business days. I have attempted to speak with someone in the escrow department on several occasions but was always refused and told that the representative would relay messages and responses. On my last phone call on XX/XX/XXXX, I again was refused to be connected to the escrow department and the customer service representative told me that my escrow analysis was still being performed and I should wait 10 business days. I informed the representative that I was going to file a formal complaint with the applicable regulatory authorities and that he should relay that to the escrow department. It is now XX/XX/XXXX and I am owed several thousand dollars and my mortgage payments due have yet to be adjusted. I anticipate that this complaint will be instrumental in rectifying this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a charge account with Kohls which I use occasionally and always pay in full. Therefore I do not receive a bill every month. 

I also subscribe to a credit monitoring agency which notified me in XXXX that Kohls had reported a late payment. Since I had not received a bill since approximately XXXX, and did not recall charging anything I called Kohls. 

They informed me that a bill had been sent by mail in XXXX and returned. They made no attempt to contact me by email, even though they send me emails every day and still do to this day offering sales. I was also told that attempts had been made to call me by phone. When pressed they stated that the call was from a debt collector. I explained that my phone blocks such numbers. 

I asked that they send me the bill and that if it was mine I would pay. I did not receive anything. I called again on XX/XX/2018, and was assured that a bill would be sent, and the negative report removed from my credit report. 

Despite this assurance another negative report was filed and still have not received a copy of the alleged bill. 

I want them to ( a ) provide me with a bill if it exists ; ( b ) remove all negative reports from my credit report ; and, ( c ) remove any late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: VA
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-05-29
Company: Chicago Car Center, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I financed my XXXX XXXX XXXX through the Chicago XXXX Center in XXXX of XXXX. XXXX XXXX was my finance account manager name. They where accurately reporting to the credit unions when I first financed the vehicle, they also accurately reported every payment until the beginning of XXXX. When the COVID-19 outbreak occurred they INACCURATELY reported to the credit reporting agencies that no payments where made due to COVID-19 which was incorrect. After I reported the discrepancy to the credit reporting agencies and provided proof that payments where being made the account was removed from my credit report instead of being corrected. The loan is now paid off and closed and it should accurately reflect that on my credit report. I spoke to someone from the Chicago XXXX Center over the phone regarding this situation and was told I would received a follow-up call but never received one I never heard back regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

How can they The item was deleted from my credit report and then reinserted without any notification. 
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be correct this time : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Report XXXX/XXXX - XX/XX/XXXX - XXXX, IL XXXX   XXXX XXXX XXXX - XX/XX/XXXX- XXXX  , LA XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX  , LA XXXX XXXX - XX/XX/XXXX - XXXX XXXX , CA XXXX XXXX/XXXX  - XX/XX/XXXX - XXXX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX , OH XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX , UT XXXX  I spoke with customer service and they would not take care of it. Please help me get this resolve.

Thanks,

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 2023-05-29
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX Has Violated My Rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604, section 2 : it also states, a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been doing public service as part of the loan forgiveness program. For the first year, I worked for the XXXX XXXX XXXX of XXXX XXXX. I completed one year, with six months of it as a regular employee and six months as a contract employee. Despite several submissions by me of the correct form signed by the XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX  is refusing to recognize 6 months of payments made as part of the loan forgiveness program. They first said the form did not use the four digit year when signed by the Human Resources Department or come up with some other invalid reason not to recognize my time as public servant. This is a pattern that has been part of the lawsuits against XXXX and others to not recognize the hard work of public service and assist people with the Loan Forgiveness Program who are doing this work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX ( {$7.00} ) and XX/XX/XXXX ( {$13.00} ) interest on statements In XX/XX/XXXX I signed up for a 0 % balance transfer promotion for 12 months on my existing Chase credit card. I transferred over approx {$1500.00} from another bank institution No purchases were made on the card until XX/XX/XXXX ( XXXX XXXX ) and that purchase was returned on XX/XX/XXXX. 

On XX/XX/XXXX when the statement closed, I was charged {$7.00} in interest and in XXXX I was charged another {$13.00}. This interest was on the returned purchase. Chase applied the ( returned ) credit to my promotional balance and as a result Im essentially paying interest on an item returned within one day. That is their policy per Chase and they agreed Im paying interest on a returned item. In speaking to two supervisors they were also unable to refunded the interest. My account has always been in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: Upstart Holdings, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Upstart loan company stated a payoff amount of {$5900.00} and the monthly payment was due on XX/XX/2022. They received payment in full as of XX/XX/2022 but are claiming that the loan was accruing " interest '' and I that I still owe them {$49.00}. 
I paid the amount as of XX/XX/2022 as they assured me there was no other way to get rid of this " interest owed '' They did forward the account to a 3rd party agency in XXXX of 2022. 
I want to report this company due to unethical and predatory practices. 
If a loan payment is due on XX/XX/XXXX ( and they also have a 15 day grace period ) and is paid in full 4 days early- then how is interest still accruing. 
I made XXXX payments to this company at 21.88 % interest rate, paying XXXX in interest alone. {$850.00} of my payments went toward my principal in that 13 months. 
This is very predatory. I paid the loan in full including the {$49.00}, but ask that this company be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Ragan & Ragan, PC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In accordance with the Fair Credit Reporting Act Ragan & Ragan , PC account number 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: KY
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:
My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXX XXXX and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender has forced the flood insurance for year XXXX and purchased the policy in XX/XX/XXXX. 
I was informed about the policy in XXXX and rules why they bought it. 
My objection is 1 ) why wasn't the policy got purchased in XXXX if it was required in XXXX? 2 ) how can you back date and purchase policy for period that is already gone..it seems fraud to me. 3 ) if it was to be purchased for XXXX then I should be informed in XXXX with amount and the clause of policy so that I can make informed decision why I got told about XXXX policy in XX/XX/XXXX. 

I tried to speak with multiple people at my lender and didn't get resolution and they paid it through my escrow putting me into financial risk.

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 2022-03-10
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation