BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
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 information incorrect

Complaint:
There has been on time payment data removed from my credit file.

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 2020-11-16
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XXXX approved an online application XX/XX/2020 in my name. The application was filed in my name with my banking information/savings account. A lump sum of {$1200.00} was electronically deposited to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. This savings account is rarely used so I thought the deposited seemed suspicious. Upon further review from the credit union, they determined the funds were deposited and the money be reversed and sent back to XXXX. 

I never applied for any loan ( s ) with this company. I was encouraged to file an identity theft report. I then filed and FTC complaint, several XXXX  complaints/responses, and a report with the Attorney General of Wisconsin. 

I am terrified about this mysterious deposit because this account is my savings account, not a checking account. I did not apply for this loan and XXXX is refusing to address my concerns regarding quality assurance and loan verification processes. I asked XXXX for specific information via e-mail and by phone. Instead XXXX communicated with me via the XXXX of Wisconsin saying the loan was valid and legal. XXXX is ignoring the fact that the loan was fraudulent and someone else applied for the loan to phish from my banking account and then leave me on the hook for a loan@ 794.95 % ( {$8000.00} USD ). XXXX says the online application was approved on XXXX. I don't understand how they verified if this loan could be paid back. All financial institutions require employment verification, pay stubs, references, and pay frequency. None of this information could have been supplied upon XXXX loan approval. I had absolutely no knowledge of the XXXX loan or terms until they forwarded the online application to the XXXX. I have copies of my police report, FTC report number, and the XXXX correspondence sent to the XXXX  if the documentation is required. Throughout my complaint processes leading up to filing this report, XXXX has replied to me as if I applied for the loan not as a victim. 

I am exposed and I have no protection of my information and how it is being used. I am a victim of identity theft, phishing, and I am being locked out of my email accounts etc. These are scamming attempts to take what I don't have and XXXX is aiding this process. I am extremely unhappy and I need answers. I want to take XXXX to court, press charges, and any other legal actions I can take against them. XXXX 's response to my complaint resulted in no further action because they are claiming immune from legalities because of " XXXX affiliation '. I understand they may be immune to consumers who actually applied, which I did not. XXXX is not taking my matter seriously and I am sure this is happening to others. I am a victim of this pandemic resulting in significant loss of income and suffering as many American 's are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX, Experian and XXXX have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments

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 2022-09-17
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
After the insurance paid off what they thought the car was worth there was a remaining balance of {$1100.00} and the gap coverage never picked up the charge due to the insurance company putting in the claim to the gap coverage for the remaining balance and we had no recollection of the insurance company doing so there were letters sent out but we never physically received a letter stating that the insurance company had filed a claim On the gap coverage for the remaining balance so therefore there was a 210 day window for the claim process to be completed The insurance company failed to provide all documents necessary for completion so 210 days went bye and we had no idea that the Insurance company put in the claim the The gap inch coverage went into default and they said that we can no longer use the coverage for the remaining amount even though we were paying for it during the loss. They ruined my credit and it needs to be removed somehow because I was covered by insurance and was paying a high amount for the gap coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: BMW Financial Services NA, LLC
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:
See attached uploaded file for the letter and explanation. BMW Financial put a 30 day late on my credit report and is refusing to remove it. It was not 30 days late but then it reports on my credit report in two different months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Email indicating that I was going to be billed nearly {$500.00} for XXXX XXXX and if I didnt want it to call the phone number. It was so realistic that I felt I had to respond. I have a XXXX  XXXX  and should have been smarter. I terminated The call and the fraudulent party continued to ring my phone, they finally gave up after about 15 minutes of calling and I had blocked each call. 

Weve insured we have not suffered any financial losses. My wife is at our bank and will change all the logins and passwords and our bank is closing the accounts involved and creating new ones. 

I send this in good faith that it might provide some additional piece of information to help catch these people. 

My number is ( XXXX ) XXXX. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I submitted disputes to TransUnion about a fraudulent credit account on my credit report and submitted documentation of this account being removed from other bureaus reports, the credit companys letter stating they were removing it, my FTC and law enforcement reports. TransUnion has not yet removed this.

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 2020-11-16
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have not received any notification about attempting to collect a debt. I checked my XXXX XXXX on XXXX XXXX and my credit score has dropped over 50 points. It was not on there the previous day. The date beside the collector says XX/XX/2020 and I have heard nothing from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Information belongs to someone else

Complaint:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

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 2023-02-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and TXXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX XXXX XXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
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 Chase closed my account for no reason, I havent called them for few times, they didnt give me the reason just closed my account.I havent been used the account 2 years, I'm a loyal customerI recommended my boyfriend open an account in Chase and deposit all the money in Chase . We are about to get married and open a joint account. Chase closed my account, so we can't open a joint account as a couple, It caused me a lot of trouble.I request Chase to restore my account please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : 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 2022-09-17
Company: EQUIFAX, INC.
State: WI
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:
Last year of XXXX, I reached out to all three-credit bureaus regarding a charge off account on my credit reports. The payment balance has been satisfied and both parties involved in the collection acknowledged to removed it off all three credit reports upon settlement agreement. I am not sure why it still shows on my credit report given that I fulfilled the agreement and the company agreed to remove it. The credit refusing to remove the charge offs even with provided letter evidence. It is affected my life and the future of my family to get a home and start a business venture. The credit bureau failed to provide documentation bearing my signature and the agreement from the creditor. I need this issue fixed, and corrected as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Media Collections, Inc
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Joseph , Mann & Creed company sent me a mail which saying I owed XXXX {$670.00} with account XXXX ( see XXXX ). I checked XXXX  using searching tool provided by XXXX official website ( XXXX XXXX XXXX XXXX XXXX, the XXXX  shows I was charged XXXX USD and the amount due is {$0.00} ( see attachment ). Besides. how am I able to successfully return the car if I didn't pay the bill? I'm wondering why youstill want to me pay again even though the bill is already paid? This collection makes me nervous all night and won't trust this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Last year of XXXX, I reached out to all three-credit bureaus regarding a charge off account on my credit reports. The payment balance has been satisfied and both parties involved in the collection acknowledged to removed it off all three credit reports upon settlement agreement. I am not sure why it still shows on my credit report given that I fulfilled the agreement and the company agreed to remove it. The credit refusing to remove the charge offs even with provided letter evidence. It is affected my life and the future of my family to get a home and start a business venture. The credit bureau failed to provide documentation bearing my signature and the agreement from the creditor. I need this issue fixed, and corrected as soon as possible

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 2022-09-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage payments because I could not work during covid 19 pandemic. We requested for forbearance and were granted forbearance effective XX/XX/XXXX through end of XX/XX/XXXX. 
I was still not able to go back to work when forbearance ended, then we requested for another 6 months extension and were denied. According to XXXX XXXX, if a homeowner still had difficulty making monthly payments they were entitled to another 6 months forbearance extension, which we were denied. 
After falling further behind on our monthly payments, we requested Shellpoint Mortgage several times to offer a workout that would bring our payments up to date, like : XXXX ) Put the delinquent amount at the end of the loan when we were just few months behind XXXX ) Adding the delinquent amount to regular payment over 5 year period. 
XXXX ) In early XXXX when market interest rate dropped below 3 %, Shellpoint Mortgage turned a deaf ear on our repeated request to reduce our current rate of 4.625 % to make monthly payment more affordable. 

As per letter ( uploaded ) dated XX/XX/XXXX Shellpoint Mortgage claimed we have not applied for any loss mitigation workout : Shellpoint acknowledged completed applications for modification ( letters uploaded ) as of these dates : XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 

To make things worse, instead of offering any sort of loan modification Shellpoint Mortgage went ahead and foreclosed on our home ( letter uploaded dated XX/XX/XXXX ) Under Federal Law and California home owner bill of right it is illegal to start foreclosure proceedings when loan is under modification. ( Uploaded letter dated XX/XX/XXXX of completed application )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my Trans Union, XXXX, XXXX credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXXXXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-08-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Date of inquiry : XX/XX/2023 Claim number : XXXX On XX/XX/XXXX, i notified Chase of fraudulent transactions made on my card, shortly after i had 2 transactions refunded and the rest were denied. I have called chase time and time again to resolve the issue with little to no help. The claim was denied, and i reopened the dispute which i then provided more evidence for, claim was still denied.

The claim totaled about {$2500.00} which chase has refused to help me with. Im confused as to why 2 transactions would be refunded and the rest denied.

Customer support has been atrocious, even after speaking to a XXXX ( XXXX ) which was less help than any other agent. 

Im writing this with the hopes i can get my money back ( rent ) to be exact.

Im appalled at the decisions this company has taken and the lack of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Hello my name is XXXX XXXX. I have a usbank reliacard. My card was locked XX/XX/XXXX. I have been contacting relicard customer service to get this fixed, I was told to fax a copy of my ID, drivers license and the reliacard number. I did all that and waited two weeks. Called them back and they said there was no fax ever received. So then I uploaded the documents on their website. I was told my an agent that the documents are now attached to my account and that it would take 5 business days for them to review it an unlock my account. It has been 5 business days and I am now being told my account is not unlocked an could take up to a month. I have bills to pay. I will loose my home. This account has already been locked for over a month. Please help. Usbank reliacard has  been given all the proof of my information. Every agent I talk to makes up more lies an just says to wait. I cant keep waiting.

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