BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Opp Loans, has failed to apply my loan payment in a timely fashion. 
-They have failed to notify me of the option to make payment on holiday, not including the most recent email I received asking me if I wanted to. 
-They are not calculating my interest correctly, they are counting the beginning and ending dates multiple times. 
- The fail to provide me with accurate information on my loan, interest, and days counted for that interest. 
- When I refinanced the loan, they failed to tell me that my first payment would not be applied to my interest or principal. 
- I've called several times on these issues with no result, and when asked for a supervisor or manager the line is disconnected or I'm refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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 status incorrect

Complaint:
The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The date those purchase were made I was outside the country

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 2017-12-16
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: Account information incorrect

Complaint:
Experian has sent me a letter stating that they will not reinvestigate the fraudulent account listed on my report which is XXXX XXXX XXXX. This account keeps adding fraudulent charges to an account that is currently closed and charged off as bad debt! Experian is in violation of the FCRA law, by law experian has to report accurate information on a consumers credit report! The amounts Are different on each report I have attached the reports showing the different amounts {$6200.00}, {$12000.00}, {$14000.00}, and {$25000.00}! Experian is not reporting accurate and complete information, they must deleted the account now!

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 2023-06-28
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:
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. 

Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: EQUIFAX, 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:
I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Early Warning Services, LLC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. Zelle. Since I use Zelle through my XXXX XXXX   app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on Zelle before realizing it was probably a scam. I called XXXX XXXX, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to Zelle after confirming that the certified check was bad and would eventually bounce. Zelle lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked Zelle for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out - they were very dismissive and rude and as a victim I felt very shamed. When I contacted XXXX again, they said that wasn't the deal, and they would have no part in investigating this. I feel like I'm in a bad feedback loop that I can't get out of, and it's all the worse since I used Zelle through my bank 's app, and both parties just blamed me for being dumb, which frankly, isn't helpful or what I need right now. I will NEVER use Zelle again and I'm telling all my friends and family to not use it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for the Chase Saphire card online via a pre-approval through XXXX. Chase did a hard pull on my credit history and then received an email stating simply and exactly " We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ". 30 days passed and I did not receive anything from Chase in the mail. I contacted Chase customer support and they informed me that my credit application had been archived as it has passed 30 days. The customer service representative told me it was because my apartment number wasn't on the application so they couldn't verify my address. I requested to talk to some one in their cedit bureau department about having them remove the hard pull and they said they couldn't because they attempted to mail the address on the credit application. 

All of this would've been avoided on my end had I known that their credit applications get archived at the 30 day mark as i would've followed up before that. However, the email I received from Chase did not indicate this and only indicated that I should hear back from them in 30 days. This equates to very misleading and potentially harmful messaging to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
am i still responsible on the loan when i did not have the car over 30 days, car been in dealership on a recall

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 2020-02-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a first mortgage loan in XX/XX/XXXX. My first payment was do in XX/XX/XXXX. I paid it. I paid every payment afterwards. In XX/XX/XXXX, I mistakenly issued a payment of {$2000.00} instead of the correct amount of {$2100.00}. I attempted to cancel this payment and issued another payment for {$2100.00}. These payments went to Ditech. My bank would not recall the erroneous payment of {$2000.00}. 

I wrote Ditech FOUR letters. Ditech did not respond. I called Ditech when I started get " late '' notices from XXXX. Ditech sent me a payment history, confirmed I was not in arrears and that they would forward overpayments ( the {$2000.00} and the XXXX for XX/XX/XXXX ) which should have been forwarded to XXXX, the new service provider. 

Ditech forwarded the XXXX payment but without explanation or any notice, Ditech kept the {$2000.00} erroneous payment. Ditech decided to credit that amount to a shortfall in escrow. I continued writing to Ditech and XXXX through XX/XX/XXXX. 

Neither company responded to any inquiry. When I called both companies again, this month ( XX/XX/XXXX ), the companies both indicated that letters sent to the payment center ( where my checks were sent ) are " shredded '' or discarded. For 6 months now, XXXX has been reporting me 30 days behind on my mortgage. I have been late to no other creditor. XXXX has DESTROYED my credit score, which is now XXXX based on XXXX ' reports. 

XXXX has said the will not interfere with the additional funds kept by Ditech and will continue reporting me late to the credit bureau, unless I pay pay them more than {$4700.00} on XX/XX/XXXX. XXXX refuses to investigate nor take any action. 

I have actually paid {$21.00} OVER what has been due on my mortgage from it's inception. My understanding ( based on the first year ) is that if excrow is not properly planned and collected by the managing company, the company can increase your mortgage. XXXX did this -- adding {$210.00} a month to my payments. They refused to explain the change. 

Today, XXXX says that they can see the XX/XX/XXXX double payment but it was NOT credited toward a monthly payment. Instead, Ditech kept the money and credited it toward a shortfall in escrow ; without notice ; without ever admitting that to me in letters and phone calls. XXXX says it's a problem for Ditech. Ditech gives me no information. But, XXXX is falsely reporting the account as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: MT
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:
I recently reviewed my Equifax Credit Report & observed hard hit inquiries that I don't recall authorizing. Therefore, I need Equifax to remove the following inquiries from my Equifax credit report immediately. The following multiple hard-hit inquiries are having a negative effect on my credit score, credit worthiness, & acquisition of credit. I have sent Equifax a letter with the hard-hit inquiries reflecting on my credit report that I don't recall authorizing & Equifax has failed to address this urgent matter & not even respond to my letter. Furthermore, in my letter to Equifax I requested that during their investigation if they were able to confirm I authorized the card hit inquiries to please send me a copy of the credit application that was signed & dated by me. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 response to TransUnion, I am not a third party. Didnt I already give authorization thru the CFPB. I XXXX XXXX born XX/XX/XXXX Give TransUnion authorization to proceed with my claim for My Transunion 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 2018-04-03
Company: HOME FINANCE OF AMERICA
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My problem is with Home Finance XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX this company requested my credit report without my permission on XX/XX/2018 that's not the worse they came to my house with saying they would have police come to my home I wasn't 10 day pass due. Then they called my sister-in-law about my payment I didn't use her as a reference.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.

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 2017-12-16
Company: CITIBANK, N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Citibank appeared on my bank deposit from XXXX. and finances deposit into the account Acct # XXXX. Contact Citi Bank in person for answers and the outcome was negative also called the back office XXXX and a employee decided to pass the information to the supervisor.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have submitted letters to them via XXXX XXXX, mail & via XXXX app, I am resending this letter to get validation of the debt and will need a response within 30 days, the only send letters stating that the debt is verified but not how it has been verified or anything

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 2023-07-07
Company: Resurgent Capital Services L.P.
State: CA
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:
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 than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX XXXX XXXX XXXX . I have contacted local police and the FTC.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Past 30 days, items listed in attachment must be deleted. Proof attached, includes certified return receipt.

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