BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

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 2023-07-18
Company: EQUIFAX, INC.
State: IA
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 these items were erroneous. The 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 need to be investigated and corrected for 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: NC
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:
Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: GA
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 have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I submitted my documentation to obtain an Authorization Letter from Kia Finance to ship my vehicle. I am currently financing my vehicle from XXXX so when I moved from XXXX XXXX XXXX  ( XXXX move I'm serving in the XXXX ) I needed that document to allow the shipping of my XXXX XXXX XXXX. Their website says it'll take up to 5 business days to obtain the letter. Now, XX/XX/XXXX I have no received the letter nor any clarification of why. I've called numerous times ( 4-5times a week ) and have had no assistance what's so ever. I'm not behind on payment, I've submitted their documents, and have waited more than their required 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 explanation
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

6 months later I am still receive mail from Wells Fargo about my " request to end the suspension of payment '' and being told to call the collections department. My loan is currently due for 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 2023-05-21
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
BACKGROUND OF THE COMPLAINT Within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) issued the following payments for real estate property tax, which were made to the wrong property tax authority appraisal county office, XXXX XXXX in the following amounts of {$3900.00} and {$1800.00} respectively. However, the problem here was that the property located at XXXX XXXX XXXX XXXX XXXX TX XXXX is within the boundary of the XXXX XXXX XXXX XXXX XXXX. - See Exhibit A. 

Around or within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) received a refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}, which Specialized Loan Servicing issued a check to me, XXXX XXXX in the amount of {$2900.00}, and leaving a credit to the escrow account in the amount of {$1000.00}. See Exhibit B. 

Around or within XX/XX/XXXX, Specialized Loan Servicing issued the last of the 2 or 3 erroneous escrow account reconciliation statements stating that there was a shortage balance in the amount of {$3100.00}. - See Exhibit C. Also, within the same month of XX/XX/XXXX, Specialized Loan Servicing received another refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. See Exhibit D. Therefore, as per internal documentation provided by SLS, this amount of {$1800.00} was meant to be reimbursed to me, XXXX XXXX. Although, I called SLS and requested to send me the reimbursement check so that I could replenish the escrow account shortage.

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 2016-10-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I mailed Experian a letter asking them to investigate numerous items. I included all the required documentation as per the instructions on their web site. They sent a letter saying I did not send the right ID

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 2023-10-21
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023, my cash app card was stolen. on XX/XX/2023 {$46.00} was withdrawn from an ATM fraudulently without my permission/authorization. The despite was denied 3 times finally I decided to go further and here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: GA
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 U.S.C 1681. 

XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX These persons have 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 agency can not furnish an account without my written instructions.

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Atlanticus Services Corporation
State: CT
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 convenience check

Complaint:
I been a victim of fraud I paid credit card and my card was lost and the balance were used I was promised a check in the amount of XXXX which I never received in the mail to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Contacted XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

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 2023-06-10
Company: Experian Information Solutions 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
After months of trying to access my account with this company all I ever got was 'computer loops ' and when I called for assistance the individuals I encountered could not speak English well enough to be understand easily and some times not at all understandable. Frustrated, I contacted the 'Consumer Protection Agency '. The response I received from this company was to call again and they wanted further verification that this is my account, which I requested frozen, as they did not mail the new credit card timely or not at all and was concerned. They requested the reverse side on my expired drivers license to verify that it is my account. ( poor vision will not allow my driving at this time ). I am out of the country taking care of family business and gave them my contact information in XXXX and assured them that my residence information in the USA had not changed. After my contacting the Consumer Protection Agency, hurriedly they posted negativity to my excellent credit rating ... .because they won't allow me to access my account ... not fair and is inductive of 'we have control ' attitude. Several days ago I called again ( 41 minutes ), they did accept a double payment from me and when I said you send me email every other day as 'friendly reminders ' and now you absolutely know who you are dealing with as you asked me if you could take the payment money from my XXXX account, you, at this time are positive it is me. I then requested to allow me to change my password to access my account, they refused and when I asked to speak to an English speaking supervisor ... .they hung up. Who are these people and what the XXXX is going on with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
XX/XX/XXXX-Home was flooded, filed claim with my insurance.

XX/XX/XXXX-Th e checks from my insurance were to be released through my mortgage
lender Chase Bank upon inspection of repairs checks were to be released in thirds to myself and contractor. 

XX/XX/XXXX- As the repair job reached the end the last payment was to be released I found out my Contractor was Unlicensed and I started finding his work to be below standards, he also turned in to my insurance for services and materials I never received. In California as an Unlicensed contractor he was only allowed to collect for each claim {$500.00} per claim, he ended up receiving well over $ XXXX, this is fraud and neglect on his behalf and I am in the process of pursuing legal action against him for this. Chase Bank released the last amount of repairs to me but they put my name and the contractors name on the check so I can not cash it to complete the rest of my home repairs. 

XX/XX/XXXX-I called Chase and they said they would not change the check with just my name on it until I mailed him the same letter certified 3x times asking do I owe him more money for the job? I even went into different Chase Branches asking for their help to correct this and they would always send me back to the same department. 

XX/XX/XXXX-I have since mailed my old contractor the letter ( one time only ) the bank says I needed to send him, but I have not received a reply from him. I do not owe him anymore as he has collected well over the legal amount he was allowed to receive. Even though I told the bank this information they still refused to change the check until I send him the same letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint but is related to a prior complaint filed with the Consumer Financial Protection Bureau ( Case number XXXX ). Based on that complaint, I received a letter dated XX/XX/XXXX from XXXX XXXX at XXXX Customer Care. When I called XXXX XXXX, she said that XXXXXXXX XXXX is not responsible for the actions of their agent LoanCare, and that I should file a complaint with them. Unfortunately, LoanCare was hired by XXXX Bank to service the insurance portion of XXXX mortgage business, and my contractual relationship is with XXXX Bank, not with LoanCare, so I am again filing a complaint with XXXX Bank. 

In summary, back in XX/XX/XXXX my home was without flood insurance coverage for 21 days because LoanCareXXXX TOOK ALMOST A MONTH AFTER RECEIPT OF THE FLOOD INSURANCE INVOICE FROM MY NEW CARRIER, TO PAY IT. Per XXXX XXXX letter, On XX/XX/XXXX, LoanCare received the signed application from XXXX XXXX and acknowledged the standard 30-day waiting period. Further, it says LoanCare disbursed {$1200.00} from your escrow account to pay for this policy on XX/XX/XXXX and the payment was received by XXXX XXXX on XX/XX/XXXX. I do not dispute any of the facts or dates in her letter and agree that I was without insurance for 21 days. However, what I want XXXX and LoanCare to understand is that I was without insurance for 21 days because LoanCare/XXXX did not pay the invoice on time. 

XXXX deducted from my escrow account {$430.00} for insufficient coverage charges for 21 days, even though it was through their negligence in not paying the invoice that insurance could not start on XX/XX/XXXX as originally anticipated ( there is a 30-day standard waiting period as already stated ). The cost of 21 days of insurance coverage should only have been {$74.00} ( my annual premium is $ XXXX days ). Therefore, I am disputing the additional {$360.00} I was charged ( {$430.00} {$74.00} = {$360.00} ). 

Yes, I acknowledge that there was a lapse in coverage, but it was caused because LoanCare/XXXX  failed to pay the carriers invoice until almost 30 days after receipt of the signed paperwork from the insurance company.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit score dropped XXXX points on XX/XX/XXXX, but I have no debt.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2022-11-09
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account # XXXX Comerica Bank Identity Theft XX/XX/2014 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

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