BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX Original balance- {$120.00} Account XXXX XXXX XXXX Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX Account type-Installment Status-not more than four payments past due Status updatedXXXX XXXX Past due amount -- - Original balance- XXXX XXXX Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Phone XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: General Credit Services
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe a debt to a dentist that has been sent to a collection agency. I spoke with them a few months ago and told them I can pay on the XXXX of the month for {$10.00} a month. My husband was currently getting paid each month on that date. In XXXX I did not have funds in my account and the card declined. On XX/XX/2022 the payment came out of my account. I did not authorize the payment to come out on XX/XX/2022. When I contact them the gentleman refused to give me his name and told me that was to bad and I still owed it. I told him I did not authorize it to come out on the XXXX of the month and he told me he did not care. I asked to speak with someone above him and he hung up on me. I called back and he answered again and continued refusing to send me to someone else. Finally he send to me a voice mail. A lady called me back and was yelling at me that I owed and and when I tried to tell her that I did not authorize it she continued to yell at me. I advised her that I do not authorize any more money out of my account and for them to cease contact with me immediately. They had me so upset the way they spoke with me. My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Oliver Adjustment Co.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, my insurance claims were filed for services by XXXX XXXX that took place on XX/XX/XXXX. I received my first bill from XXXX XXXX In XX/XX/XXXX which was dated XX/XX/XXXX. In late XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from the collection agency OAC about the bill. I placed a call to them in XXXX and informed them that I was aware of the debt and according to the FCRA, I had 180 days to allot time to ensure my health insurance processed the claim. I had XXXX earlier in the year and this bill should have been paid in full because the XXXX alone met my deductible. In addition, I informed the collection agency that I was in the process of filing for Chapter XXXX bankruptcy. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The Bankruptcy Court through my attorney notified the original creditor, XXXX XXXX on XX/XX/XXXX of my Chapter XXXX filing ( this was a little over 4 months after I received my first bill from the original creditor ). My bankruptcy was discharged in XX/XX/XXXX. On XX/XX/XXXX, the collection agency OAC unfairly added two collection accounts to my XXXX credit report for the first time ever. The collections are being added literally 7 months after the accounts were paid the bankruptcy protection. This is an unfair and deceptive tactic by OAC to ruin my credit rating. The accounts show on my credit file as closed paid accounts and included in bankruptcy. They appear as if they were on there the entire time, but were just added last week on 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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I started an account with Chase Bank roughly a little over 3 years there. I am a military veteran so they said oh we have military banking you can get free checks, no atm fees and a free safety deposit box. It took about a year to get the safety deposit box, they called and asked if I still wanted it about a year later. So its been free for 2 years now. Today I check my account and they took {$55.00} out of my checking account for rent on my safety deposit box i immediately went to the bank and gave them my safety deposit box keys back and closed the account. I have the documentation to support the closing of the safety deposit box. I then asked for my {$55.00} back, they said they will not refund it. Now as far as I know when you rent something you pay for it before you occupy it. So Chase bank just took my {$55.00} with no explanation other then some smug manager saying oh its in litigation and we arent giving refunds This is not acceptable and I would appreciate any help that you can give me on this matter. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: SC
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 have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM 30 days late on XXXX only I would like these negative accounts on XXXX removed : XXXX XXXX  XXXX accounts XXXX accounts removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding my mortgage with my lender Specialized Loan Servicing ( S.L.S. ) account XXXX on XX/XX/2020 i made a payment online for the mortgage amount stated due for {$4000.00} a Month later I was in the process to refinance my loan when i was informed that the lender placed a 30 day late on my XX/XX/2020 payment. I quickly notified the lender and spoke to several individuals representing SLS. They stated the funds for some unknown reason went into a ( Unapplied funds account ) which they also admitted was not normal and was indeed an error on their part. They said they would place a ticket to the credit Bureau to have this removed. As of today XX/XX/2020 this not only has not been removed they added my payment for XX/XX/2020 as a 30 day late. My account indicates that both these amounts went into a Unapplied account and not giving me credit were credit is due and I am now getting penalized for their mistakes. I am asking you to look into this matter, I have documents from both my account with SLS and bank statements that prove my payments were not 30 days late. I have also heard from friends that they experienced the same type of experience with this same Lender.

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 2018-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
while checking my recent credit report. I noticed credit inquiries that I did not authorizes made by the following companies. XXXX XXXX XXXX office locator at XXXX XXXX XXXX XXXX IL XXXX. I  contact XXXX XXXX and they state that they do not pull credit. I had notify Experian about this transaction they fell to removal it from the credit file. it was als o on my XXXX report but went I notify then they removal with no question and send me a Letter of removal. this a violation of the fair credit reporting act section 1681b ( c ) and a serious beach of my privacy.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XXXX an account was opened in my name without my permission with XXXX XXXX XXXX  i never applied for this account and never used this account it was opened fraudulently i called the company and they said is there system so i have to pay account number XXXX the amount {$4800.00}

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 2022-08-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior to my refinance with Nationstar Mortgage XXXX, DBA Mr. Cooper, my homeowners had for 17 years been escrowed. Upon my refi, due to the equity in the loan, they didn't escrow the loan. My insurance was set on an annual payment. Renewal date of XX/XX/22 was missed this year by me, I take ownership of that. Upon realizing this, my agent/underwriter reinstated my policy effective XX/XX/22 and I provided an updated policy to Mr. Cooper Insurance Tracking center that same day. I have been insured with the same company for 18 years on my home. This presented a gap/lapse of 23 days. The mortgage company forced placed coverage for this period of time. The charge is sitting in an escrow account, but my loan isn't escrowed. 
PROBLEM : Force Placed coverage is a benefit to the lender only, NOT the consumer. 
It only protects the physical structure from covered perils. The annual forced premium of {$7300.00} is calculated on the replacement value of my home, $ XXXX, resulting in a charge of {$460.00} for the 23 days. The maximum this should be calculated on is the outstanding loan balance of $ XXXX as this is the maximum lender risk. 
I tried to contact the tracking center several times and always got stuck in their phone tree, never able to get to a human. I finally contacted Mr. Cooper directly and got someone on XX/XX/22. 
I spoke with XXXX, an Escalation Specialist ( XXXX ) and asked why they are calculating premium over and above their lender risk. He has no answer except that is what is was. I understand the lapse and asked that he calculate on their actual lender risk of $ XXXX which would produce a premium of about 1/2 of what I was charged. He said they would not recalculate. 
If my home had burned to the ground during those 23 days, this mortgage company would only have been out my outstanding balance of $ XXXX. Therefore they should not be overcharging the consumer for something they will never use or need. This is unfair to every consumer out there. I understand the need to cover the lender risk on collateral but I don't feel it is fair to gouge the consumer for any amount over and above what they need to be made whole. 

This is the problem today and where so many consumers are taken advantage of and so often the consumer is unaware of what to do. Consumers rights need to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to address some discrepancies I have identified on my credit report that pertain to accounts associated with my name. I would like to provide you with accurate details regarding these accounts for your review and resolution.

Account Details : 1. Ca pitol On
e Quick Silver - Date Opened : XX/XX/XXXX - Initial Balance : {$2000.00} - Current Balance : {$2300.00} 2XXXX XXXX  - Date Opened : XX/XX/XXXX - Initial Credit Balance : {$2000.00} - Current Balance : {$1900.00} 3. XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX  - Initial Credit Balance : {$930.00} - Current Balance : {$750.00} I would like to clarify that I have no knowledge or involvement in the opening of the Capitol One Quick Silver account with the stated dates and balances. To the best of my knowledge, this account is not mine, and I have not received any legal documentation pertaining to its opening or existence. 

Similarly, the XXXX and XXXX XXXX XXXX XXXXXXXX accounts are not accounts that I have initiated or been associated with. I do not have any record of entering into agreements with these businesses, and I have not provided any authorization for the opening of these accounts. As such, I have not received any legal documentation confirming my consent or involvement in these matters. 
Considering the aforementioned circumstances, I kindly request the following actions to be taken : 1. A thorough investigation into the authenticity of these accounts, including verification of any supporting documentation that might have been provided during their opening.

2. Removal of these accounts from my credit report, as they do not accurately reflect my financial history and have been opened without my knowledge or consent.

3. Provision of information regarding the steps taken to rectify this matter and the confirmation of the removal of the aforementioned accounts from my credit report.

I understand that this information is preliminary and may require further investigation. I am prepared to provide any additional information or documentation that might be needed to facilitate the resolution of this issue. I appreciate your attention to this matter and your assistance in ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reached out to property manager over a year ago on three different occasions and was advised I would not be responsible for this account or any debt owed to this creditor as I've never resided at the address associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account number XXXX this loan was in my husbands name XXXX XXXX he passed away on XXXX we had repeatedly fax documents over the course of loan to add me as a authorized user and verbally also I notified them in XXXXXXXX XXXX that he passed they wouldnt give me any account information told me to go off of statement that comes in mail and a death certificate was mailed in to them also I made several payments to them and still no luck of retaining information I continued to live at the address on there file until XXXX XXXX still dealing with them ( I carried insurance on this vehicle until XXXX XXXX and had in my possession ( my name only ) I received mail from them addressed to him by name and some that says estate of him received several checks made to him ( he is dead ) and I finally had enough when they sent a check for XXXX to him and I called them was a bad experience expect me to continue to pay on something never knowing if I would ever see the title and them addressing him as he was alive it just hit me wrong two years after the fact and I told them to come get the vehicle and where it would be located they sent a repo man within a few days he knocked on door and asked for my dead husband and said they had the repo as as a skip and hide well I can assure I did go get my husband from the mantel Wells Fargo has screwed people over for years but a low blow when they cant even have respect for someone dead they gladly took my money ( only my name on the bank account and let me insure it but wasnt good enough to talk to if I was a skip or hide why didnt it sit in driveway for 15 months after he passed away I just want this to be known still boils my blood

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was trying to get an annual credit report. I did not realize I was in an Ad for TransUnion and order my credit score for {$1.00}. On XX/XX/2020 TransUnion took {$24.00} out of XXXX XXXX. I did not give them authorization. This is illegal they are stealing money from consumers. I already have a Identity Theft Monitoring Protection Program.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother 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 2023-02-22
Company: Mediation Recovery Center
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, Mediation Recovery Center, about a supposed debt from XXXX, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2022 I received a letter from XXXX XXXX stating that they have deleted the bankruptcy from my file. I have also disputed this with XXXX transunion, XXXX XXXXXXXX, which all came back verified. This would mean a proper investigation was not conducted and is a violation of federal law. please see attachment for details.

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