BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

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 2019-03-25
Company: Speedee Cash Management
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
DEAR CONSUMER FINANCIAL PROECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUE WITH AND BUSINESS COMPANY GOES BY THE NAME OF SPEEDEE CASH INC SO ASLO I CAN PROVIDE MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUE IM HAVING SO ON DATE OF XX/XX/2019 OK I HAD CALL SPEEDEE XXXXASH STORE LOCATION IN XXXX MS AREA WHERE THE LOCAL STORE IN LOCATED AT AND WHEN I CALL AND SPOKE TOO THE CUSTOMER SERVICES AGENT OVER THE PHONE SO WHEN I 1ST CALL THEM I ASK THEM DO U HAVE TO HAVE GOOD CREDIT STORE WHEN I APPLY FOR INSTALLEMENT TYPE OF LOAN REQUEST SO ADVISE TOO ME THAT U DONT HAVE TO HAVE GOOD CREDIT RATING SCORE BUT I ASK THE BUSINESS COMPANY ABOUT THERE PRIVACY POLICY OF THERE BUSINESS PRACTICE SO I ASK THE CUSTOMER SERVICES AGENT CAN U APPLY FOR AND TYPE ON INSTALLMENT LOAN OVER THE PHONE SHE SAID NO U CANT APPLY OVER THE PHONE U HAVE TOO COME IN PERSONAL IN APPLY AND THATS WHAT I DID SO WHEN I GOT THERE IN PERSONAL THE CUSTOMER SERVICES AGENT HAD ME XXXX AND CONSUMER CUSTOMER TOO FILLED OUT LOAN APPLICATION AND ONCE THEY TOOK MY APPLICATION IN PERSONALLY SO THEN ADVISE TOO ME THAT I WAS DENIED OF LOAN INSTALLEMENT REQUEST SO THEN SHE ASK ME HOW MUCH I WANT TO BORROW I TOLD HER I WANT TO APPLY FOR LOAN REQUEST OF {$1000.00} DOLLARS AND AFTER THEY RUN MY CREDIT SHE THEN ADVISE TOO ME THAT I DIDNT HAVE ENOUGH OF CREDIT HISTORT TOO APPLY FOR NEW LOAN RQUEST SO I FILL LIKE THE BUSINESS VIOLATED MY PRIVACY RIGHT BECAUSE I ASK THEM THE CUTOMER SERVICES AGENT OVER THE PHONE WHAT TYPE OF DOCUMENTS U HAD TOO HAVE BEFORE I GET AND FAMILY MEMBER TO BRING ME OVER TOO THE LOCAL STORE IN XXXX MS AREA SO I HAD TO PAYMENT FAMILY {$40.00} DOLLARS ROUND TRIP FAIR EVEN KNOW I DIDNT GET APPROVED FOR NEW INSTALLEMENT TYPE OF LOAN REQUEST SO AFTER THEY DENIED ME I CALL THERE CORPORATE OFFICE AND I WAS NOT ABLE TOO GET IN TOUCH CONTACT WITH ANYONE SO I TRIED CALLING CORPORATE OFFICE SEVERAL TIMES NO RESPOND SO THIS IS AND ONGOING PROBLEM I HAVE WITH FINANCE DELAY NEED SERVICES SO ASLO I HAD AND COPY PULL OF MY CREDIT REPORT BEFORE I ALLWAYS APPLY FOR NEW LOAN REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the  FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, For a property I own that is serviced by XXXX XXXX XXXX, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. 

I have provided all this documentation to XXXX but they will only communicate via mail and refuse to address this mistake. 

Transunion site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.

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 2021-12-20
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am the victim of wire fraud as a result of business email compromise on the part of a window contractor ( XXXX XXXX XXXX ; XXXX XXXX, CA ) who was ordering new windows for my house remodel. The funds were wired according to instructions that were coming directly from the company owner 's correct email address. This occurred on XX/XX/2021 for a total amount of {$25000.00}. As soon as the fraud was discovered on XX/XX/2021, I initiated a wire fraud complaint and recall through the issuing bank, Citibank. I reached out to their Executive department and received a notice stating that they were unable to connect with the beneficiary bank ( XXXX ) after over one month of supposedly trying. I also filed a complaint with local law enforcement and completed the FBI IC3 complaint form online. I have also filed a complaint with the XXXX. In an effort to be proactive, I did reach out to XXXX Bank who was apparently merging with XXXX on the date of the transaction, which complicated matters further.

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 2018-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, bought a large rug in XXXX at start of vacation for {$1000.00} XX/XX/XXXX : Called and filed a dispute with Chase XX/XX/XXXX : Merchant responded with fake invoice saying we bought fabric, shirts, and other materials and walked out the door with merchandise XX/XX/XXXX : Chase reinstated the charge XX/XX/XXXX : We responded to the charge back and provided addition evidence. Geo tag of photo of rug we bought, date, time and location.

XX/XX/XXXX : Contact Chase again. Service rep said she re-opened the case.

This continues round and round ...

XX/XX/XXXX : Chase says that they reviewed to determine if " a billing error occurred '' and since none did we are responsible for the charge.

Chase refused to acknowledge the fact that A ) we did not receive the rug. B ) the bill the vendor provided was clearly fake ( had round off line to make total match total on cc ). Chase seemed to be trying to narrow the issue and say that since the cc charge was valid we are are responsible for the charge.

XX/XX/XXXX : I responded and said that we do not agree with their conclusion and pointed out their narrow perspective in their response. I did say that if I didn't hear back from them we would have to follow up legal action. At the time I thought we should file a small claims case. I have since decided to file a complaint via the CFPB.

No response from Chase to my written letter.

We have paid the charge so that we don't hurt our credit in the meantime. But now we would like to try to recover the {$1000.00} since I was always under the impression that we were protected when using a credit card for purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: FIRST FINANCIAL BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This also concerns Complaint number XXXX. 

Mortgage is paid ahead until 2022. There is no compulsory monthly interest stipulations nor prepayment penalty. Been attempting to make principal-only payments but bank keeps charging interest. They will rescind the interest upon complaint, but this has happened to the point that it has begun to show nefarious and unlawful intent to collect what they are not owed.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$940.00} 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 2018-08-29
Company: Experian Information Solutions 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:
XXXX and Experian are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit balance from overpayments. Chase can not find the money and can not find notices they sent me from latest of XX/XX/2020. Total is around {$2000.00}. Their customer service said only option is writing to their correspondence department and can not give any time on a possible reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: IL
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:
This is a formal complaint against XXXX, EXPERIAN AND XXXX. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2018-08-29
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:
XXXX, Equifax and XXXX are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account.

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-28
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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Ally Financial was the lender used to lease a vehicle from a XXXX dealership where I was told the car would be mine to own after 4 years. I got all the insurance and protection they made me get to protect against damage and I was told it was for maximum mileage. I was not show all the paperwork and the process was rushed along without answering all my questions. The I paid the lease off for the full term and ended up paying much more than what the car was worth! When I returned the vehicle I was told by the Dealer and the Bank that I did not have any more payments to be concerned with. I chased them down for months to try and get a copy of the lease, which they never sent me. after much discussion with the dealer they finally gave me a copy as they were withholding the facts to force me to buy another car, when I was initially told by them that the car would be mine after the lease term and that I would probably even get money back. Ally Bank really deceived me and now I find out that they are trying to charge me another XXXX dollars for a car that I already overpaid for! I do not owe them any money and this debt that they are reporting on my credit report is nothing more than an attempt to bully and extort me of for more money. I do not owe them anything, and the law states they are violating my rights to privacy by reporting this on my credit report. I am a XXXX XXXX  injured during the war in XXXX. It is a shameful thing that they would be doing this to me, and they call themselves and Ally?

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 2021-12-28
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
A email was received that stated the account balance credit limit was reduced to XXXX $ from XXXX $ Due to inactivity ( carrying high balances ). 

I request that balances be reinstated to what they were previously

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 2019-07-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I received a postcard stating that an order of default was entered on XXXX by a Midland Funding LLC. I went and filled a notice of motion with the circuit court of XXXX XXXX Illinois. I had proof that this XXXX credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. Midland funding purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a substitute teacher which is considered part-time. In XXXX Midland funding was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have 2 children and the money I am left with is below poverty for a 3 person household. I need help with stoping this that is making it impossible for me to buy food for my children.

Company response to consumer: Closed with explanation