BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
This is the item I demanding to be deleted immediately. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2023-07-25
Company: Nelnet, Inc.
State: MS
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:
THE COMPANY, NELNET, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. They are in violation of the Privacy Rights Act of 1974 and the Family and Education Act of 1974. My consumer information was transferred from that purchase to Nelnet without my knowledge for reporting to XXXX, XXXX, and XXXX. 18 USC 1028 - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Financial Freedom Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted by XXXX XXXX from financial freedom mortgage about end of XXXX. I explained to her I would not be discharged from my bankruptcy 2 years until XXXX this year and that all previous finance companies said had to wait 2 years. After arguing I talked to XXXX ( supervisor  ) she assured me that freedom financial was a maryland company and was able to do the refinance before the 2 years. They said my credit was a soft pull. Turns out hard pull. XXXX XXXX came to my house to do the mortgage application on XX/XX/XXXX an assured me and my husband we had a loan for all our debt accept our cars until the appraisal came back. He collected {$580.00} for the appraisal and assured us we would have it back in 2 weeks. I had to borrow the money. 
XXXX XXXX XXXX XXXX I was contacted by XXXX XXXX for the next step. 
XXXX XXXX XXXX XXXX XXXX She set up the appraisal all the while assuring me we had the loan. The appraisal came back and then XXXX XXXX said there was no loan and I was out the {$580.00} for the appraisal. She is refusing to forward me to corporate to request a refund of the appraisal fee because they promised me it would be refunded. I was informed they shouldnt have even offered me a loan before the 2 year mark after a bankruptcy discharge so they couldnt even in good faith give me a loan. I have attempted to get corporate contact information from XXXX XXXX and XXXX XXXX by phone and email with no response. When there is a problem no one has a boss. The last time I requested contact information was XX/XX/05. I dont think Im going to get a response. I feel like they are offering loans they should not be offering and taking advantage of people. I do not have {$580.00} to throw away. They promised me the money back. They even tried to get me to skip my XXXX mortgage payment because they assured me I had the loan. Its weird to because I was receiving a lot of calls requesting to buy my house to. My husband as well. Are they getting people to skip their payment and then get further in the hole so they have to sell their house? They actually pulled my credit twice. XXXX XXXX also tried to tell me the appraisal was good for 6 months and I was advised that this is not true. Every lender usually wants their own appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems contacted me, claiming I owed a debt to XXXX. I submitted a written request for a copy of the original debtor 's agreement, and stated that a bill generated by a purported creditor alone would not suffice as proof of a debt incurred. That any entity can generate a bill, and the creditor MUST produce evidence of agreement to enter into a creditor/debtor relationship in order to validate the claim of a debt owed. Despite my request, IC Systems simply and solely provided a copy of a bill from XXXX dated XX/XX/17. The bill indicates a " Previous balance '' of {$23.00}, with {$0.00} payment received, and " New Charges '' of {$20.00}. No payment was received because no agreement between myself and XXXX ( or XXXX ) exists. In short, I did not sign up for their service, I did not agree to be indebted for their service and I do not agree to pay for their unsolicited service.

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 2023-05-21
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Office of attorney General- acct # XXXX 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 furnis 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 informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an 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 2022-05-24
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a statement in the mail XXXX 2022 for a credit card from Destiny XXXX, a company owned by Genesis FS Card Services that I never applied for. 

The card already appears on my credit history, so someone fraudulently signed up for it in my name/via my SSN. 

The card has a {$300.00} credit limit but a {$75.00} annual fee, clearly a rip-off. 

I called the company to demand to see proof that I signed up for this card ; they referred me to a manager, who then said they can do nothing unless I've reported the fradulent card opening to the government. Hence, this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my navient account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

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 2023-05-21
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtained services to opened an account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and Equifax is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The following accounts are violating my rights. 
XXXX XXXX  XXXX  : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXX XXXX  XXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXX XXXX  XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXX XXXX  XXXX XXXX XXXX : Last reported XXXX XXXX, 2022 : Open balance {$250.00} XXXX XXXX XXXX  : XXXX XXXX XXXX : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 written authorization.

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 2023-04-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I applied for a chase business card. I have been a long time chase customer with excellent payment records. I was declined the card and when I contacted customer service for reconsideration I was told I was denied because chase has an rule regarding having more the 5 cards in the last 24 months. I told the agent in that same month some cards would be coming out of the 24 month period in XXXX. The agent told me she saw what I was referring to and I should call back on XX/XX/XXXX to request reconsideration. When I called on XX/XX/XXXX the agent refused to further look at my account and said I had already spoke to an agent. I tried to explain to him that I was told to call back on this date, but he would not take into consideration what I was saying. I requested to speak with a escalation specialist. This agent told me there are no escalation specialist available on weekend. I requested a call back from the escalations department and I was told they would I would receive a call back on Monday or Tuesday of this week. That call never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to you today to request your assistance in resolving a serious matter that has caused me significant financial harm. I am the victim of an employment scam that has resulted in my bank accounts being frozen, and I fear that I may also be the victim of identity theft. On XX/XX/2023 im am disputing a number of things first a check that was cleared and then reversed without being told in real time by the criminals for {$4700.00} that was fraudalent. 2nd that both charges be immediately dropped for XXXX and XXXX and that MY money {$2500.00} is finally freed and available and this case is closed. its simple the disputes are dropped for obvious reasons and all proof provided and MY money prior to ALL this is returned and freed NOT some provisional credit thats gone on for 7 weeks now and my funds being frozen.

This sophisticated scam has affected me for more than 7 weeks now, and I have filed reports with all governmental regulatory agencies, including the FBI. I have provided all documentation to support my assertion, including proof that I was hired via email, sent an offer letter, and received a check that cleared by my bank but was then reversed in real-time without my knowledge. 

During this process, I was instructed to send personal funds for office equipment for my remote office to 'vendors, ' which I now know were criminals impersonating high-level executives at a global billion-dollar company. All emails, XXXX Teams, IP addresses, bank accounts, and more can be traced, and I have attached all relevant documentation to this letter. 

As a result of this scam, my bank account went into negative, and I was instructed to send personal funds as well. My bank account is now frozen, and I have no access to MY money. This dispute has gone on for far too long, and I am suffering the consequences of this employment fraud. 

This scam is so viral that major job sites such as XXXX, XXXX, and XXXX have put " Beware of '' in certain job descriptions and specifically stating they would never ask what the criminals did of me. I can attach this as proof as well if need be. 

I am reaching out to you today to request your assistance in forwarding of my proof, all documentations of my case, and my legal rights. I will employ legal aid to assist in this matter as well. I urgently need your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: NY
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:
ON XX/XX/22 I GOT AN EMAIL STATING THAT MY CREDIT CARD WAS REPORTED LOST AND A CHANGE OF ADDRESS WAS MADE, NEW CREDIT CARD WAS SENT TO THIS NEW XXXX, MY INITIAL CREDIT LIMIT WAS OF {$3000.00} AND EVEN THOUGH I HAD CALLED THE COMPANY AND SAID THAT I DID NOT REQUEST ANY NEW CARDS AND THAT I HAD NOT CHANGED MY ADDRESS AND LOCKED SUCH CARD, THIS OTHER PERSON CALLED UNLOCKED MY CARD REQUESTED A CREDIT INCREASE TO {$7000.00}, REQUESTED A NEW CARD AND EVERYTHING WAS GIVEN TO THIS UNKNOWN PERSON WITH NO QUESTIONS ASKED, PURCAHSES WERE MADE IN CALIFORNIA AND OHIO, I HAVE NEVER BEEN TO EITHER STATE, NOW CARECREDIT IS RULING AGAINTS ME AND CHARGING ME {$11000.00} FOR THINGS I DID NOT PURCHASE, I HAVE ALL MY STATEMENTS, ALL CALL LOGS FOR THE MULTIPLE CALLES THAT WERE MADE TO THIS COMPANY, I HAVE ALREADY OPENED XXXX INVESTIAGTIONS AND THEY STILL RULE AGAINTS ME.

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 monetary relief
Consumer complaint received 2018-08-09
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Having a balance of XXXX on this payday loan, I had recurring charges of about {$30.00} scheduled to come out of my account. ( Debit first, then checking if the debit card declines ) I submitted an additional payment of {$70.00} to pay off the balance. The rep told me that after the {$30.00} recurring payment cleared that it would be paid in full. 
My loan agreement states that it should be withdrawn from the debit card first, checking account last. 

The rep agreed, noted, and informed me that {$30.00} would be withdrawn from the account, to clear the balance. 
The company processed an ACH debit payment instead of it being from my debit card so that it would accrue interest. 
I noticed a new bill of about {$50.00} and I called to find out why. 
The rep explained that it was processed through my checking account. And that it did not clear due to insufficient funds. 
I explained that the withdraw was supposed to be done through the debit card. We went back and forth debating our points to which She stated that her supervisor would clear all of the interest on the account after the payment if {$30.00} was processed! At the end of the call the rep made it VERY CLEAR that all I needed to do was call in after the payment of {$30.00} cleared yet again, and the remaining balance ( interest ) would be removed via the supervisor. 
The following day {$50.00} was withdrawn from the account. 
Customer service rep stated she could see the notes from the previous representative that I spoke with about the {$30.00} payment being processed and the interest being removed and that she was going to get a supervisor. I got transferred to customer relations who informed me that they processed a payment for {$50.00} even after I spoke with the customer representative from the previous day. But that they could not see the notations from the customer service department. 
No refund was issued. 
The company processed a different payment than what was authorized.

Company response to consumer: Closed with monetary relief