BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had a loan with this company for about {$2000.00} now i went on short term with my job and didn't get paid called the company explained why i couldn't make payment. The young lady stated there was nothing i could do if i couldn't make payment. Months later i called back when i was able to make and set up forms of payment they stated if i couldn't make full amount of payment they couldn't except payment at all. i then stated i cant pay full amount but partial. Now they told me they sent account to attorney and then the sheriff came to my house serve me with someone else information and had a sticker on back pages with my information. I then showed up to court the attorney tried to attempt to make me give her the paper because they realize they serve wrong person than she stated if i disputed and wanted to see a judge the would charge me additional fees and they still charged me serving fee but truly was serving someone else, so not only do i have some one else info they want me to pay those fees and not dispute them to resubmit my actual information, the lawyer called her office hand wrote everything and ask could she email me because i didn't have my original loan documents she then stated i now owe about 4500 dollars. i then tried to work with her and explained after trying to catch up with everything from not getting paid i can pay XXXX dollars a month no more than XXXX a month, she stated i would need to pay amount below, i also added her information and what she stated. I really dont know what to do but i have arrangements with other companies after they knowingly understood my dilemma. Im upset that i have to pay all the fees and loan with no arrangement and still be a single mom and live. Now they are emailing and calling me saying they will garnish my bank account for 20 years and my check and so on. Im very afraid and dont want to be homeless or behind over 4500 dollars. 

Good afternoon XXXX, Unfortunately, that payment arrangement is too low. I can only set up a payment arrangement for 12 months at $ XXXX/month. In the alternative if youd like to offer a lump sum settlement for less than the full amount owed to be paid in 30 days, youre welcome to do that and I will bring it back to my client for consideration. 

Thanks, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX. ( XXXX ) XXXX Fax. ( XXXX ) XXXX Email mailto : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
Today, XX/XX/XXXX, I requested via phone to have an obsolete credit inquiry from XXXX XXXX XXXX  removed from my credit report. The inquiry was made on XX/XX/XXXXXXXX  and was set to be removed on XX/XX/XXXX. That inquiry remains on my credit report even though it has reached the maximum allowed reporting time limit of 25 months. I requested to have the information removed with the reason being that it is obsolete. This morning, I received notification that the inquiry will remain on my credit report despite it being past the legal reporting period.

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 2023-06-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Due to being behind on payments, I had my vehicle repossessed by the loan issuer, XXXX XXXX XXXX in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that XXXX XXXX XXXX is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly XXXX year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to XXXX XXXX XXXX several times to resolve the issue to no avail. They ( XXXX XXXX XXXX ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they XXXX XXXX XXXX XXXX ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. There is a public Record that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) TransUnion assumed this role and my direct written instruction/permission was never given. TransUnion is in violation of my Right to Privacy according to 15 USC 1681 4. TransUnion did not exercise its grave responsibility, was unfair and was partial. Furthermore, TransUnion did not have a permissible purpose under 1681 b 2. I never instructed TransUnion to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding account deleted from my report and file. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted.

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 2017-05-02
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To Whom It  May  Concern :  XXXX / XXXX / XXXX   XXXX   XXXX  Consumer Financial Protection Bureau  Case #   XXXX  It is obvious from the  Unifund  response that this is a standardized template letter.     I have never been served in person, by mail or in any other format ever.     Unifund is required by law to provide proof of such event which is the original complaint that was filed by me stating that I was NEVER served, notified or any documentation or  US  mail ever delivered to any address that I receive correspondence at.     Additionally, NONE of the credit reporting firms including all the majors,   XXXX   XXXX   and   XXXX   show ever an official claim filed against me.     I am attaching a copy of   XXXX   which is a law firm and credit repair firm in the state of California that shows my full credit history for the last 5 years on all major credit reporting firms and as you can clearly see ; there is no filing in the last 5 years.     The statute of limitations for consumer debt for the state of California is 4 years. And, as admitted in their own documentation, this pertains to a debt from  XXXX , well over 11 years ago.     My complaint has been fully validated :   1. Unifund  has never provided documentation of how, when, where or by whom I was personally supposed to have been served as required by law.
2. Nor has Unifund   provided any mail documentation in the form of certified mail letters or mechanism or report of who this was given or sent to.    3.  I am requesting to be clear that this debt be eliminated based on 3 principles : A. I was never served B. The debt is beyond the statute of limitations for the state of California as it over  10 years old which is more than twice the legal limit C. No evidence has ever been shown to me or any US  credit reporting firm of the existence of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: General Motors Financial Company, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX was initially serviced by Synchrony Bank, in XXXX XXXX I made a reservation with XXXX  of {$5900.00} at the time XXXX  charged {$2900.00}. In XXXX, XXXX  XXXX started to service account. In XX/XX/2022 the remainder was charged of {$2900.00}. On XX/XX/2022 the reservation was cancelled and XXXX issued refund for both charges to respective servicers. I received {$2900.00} refund to my XXXX account, however the {$2900.00} which Synchrony received I have not received. 
I have filled dispute with XXXX and have called both institutions countless times. 
XXXX sent confirmation that card issuer Synchrony received refund yet funds have not been sent to me. Both institutions have requested several waiting periods in the last XXXX  months. At this time I seek help in retreiving my funds from Synchrony bank of {$2900.00}.

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 2017-05-02
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for an FHA mortgage with Quicken Loans agent XXXX XXXX and was pre approved signed a contract for a 30yr mortgage onXX/XX/XXXX. His mortgage license number is XXXX. None of my credit score or financial information has changed in the past few days but Quicken Loans changed their offer to a 15yr mortgage todayXX/XX/XXXX and claim that is the only way to finance the home. This is a bait and switch which is a violation of consumer laws. I would greatly appreciate your assistance in fully investigating their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity Theft Victim

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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was in the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went up to teller to withdraw money from my account. I made small talk and conversation with the female bank teller about where I was going later that evening. Which we both engaged in talk of going out to a strip club and her favorite strip club. I left bank thinking nothing of the small 3 minutes conversation and everything being just fine. Only the next week to find my debit card transactions were being declined and my automatic car insurance was declined even though I had more then enough funds in my bank account. I call customer service and was told my account was placed on a fraud restriction. And told I need to be transferred to loss prevention..I was talked to as if I had committed fraud. And told chase bank was holding my money and had decided to close my account after 3 years with no explanation.. except I would receive a letter explaining more and a check in 30 days. I received letter yesterday. And it says their closing my account and accusinge me of '' inappropriate conduct with employees ''. No investigation, noone contacted me to discuss this or ask me about totally innocent 3 minutes interaction I had with teller. Just closed my account off a absolutely completely random false wild allegations. I'm planning to pursue legal action but I first would like to discuss this with someone at chase bank and file a formal complaint. I was told by a personal banker at another branch she would file a complaint for me and I will be contacted by a chase representative concerning the complaint. I have not be contacting by anyone this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting TransUnion removal of the following inquiries. I have spoken to all companies and gained approval for the removal of these unauthorized inquiries. Please follow suite and processing the removal of the inquiries.

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 2022-03-21
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received an earnings withholding order from Mandarich Law Group regarding a debt that I apparently owed from a company XXXX XXXX XXXX from my employer XX/XX/2025. I contacted Mandarich, the same day to inquire about this issue and to try and stop the garnishment. I was advised that XXXX was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from XXXX nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now Mandarich will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: LEXISNEXIS
State: IL
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open -end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted a police report via fax and postal mail on XX/XX/2020 to equifax. However they are stating they havent received anything, I have been transferred to multiple representatives each starting there is nothing to be done because they havent received the report. I am trying to dispute a fraudulent account that is on my report twice for the same company that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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:
1. No contract signed between XXXX XXXX XXXX and I. 

2. No proof of notification of alleged debts, not even letters. They claimed they sent letters but have not provided proof/copies. THEY should be required to show copies of returned mail or emails. 

3. Also, the address showing for XXXX DOES NOT BELONG TO ME. I never lived there! Mind you I have a very common name! 

So you have no proof of contract with XXXX, no proof of notification from XXXX to me, and an INVALID address but have decided to keep them on my report?

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 2023-11-25
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I wrote a letter to Equifax asking them to investigate unauthorized inquires on my credit report. Not only have I not received a response to this day ( XX/XX/XXXX ) the inquiries remain on my credit report. I have contacted every single company on my Equifax credit report and they stated I needed to contact the credit bureaus, which is what I did. I did not give my permission to the below companies to check my credit report/ score with Equifax and they are fraudulent. I know you will try to complete an investigation now, however, you have ALREADY VIOLATED THE FCRA and now BY LAW MUST REMOVE THE BELOW INQUIRIES. If you fail to remove the below inquiries, I will file suit for monetary damages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-25
Company: CITIBANK, N.A.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DSNB MACYS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2021-12-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, i have sent certified letters to Equifax asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints

Company response to consumer: Closed with explanation