BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
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:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from One Main Financial. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A fraudulent and scam company that goes around and steal people 's identity and then put information on their credit report that consumers owe them has attacked me. 

The scam company is MRS BPO , LLC and they have placed this information on my XXXX credit file. I do not know who this company is, I have never done business with them and I have never been contacted by them bout any debt. 

I have absolutely no idea what this scam company wants. They have obtained my information in some illegal and fraudulent manner and are using it to demand money from me that I do not owe. 

MRS BPO , LLC put this information on my XXXX credit report in hopes that I will be ignorant of the law to call them, and then MRS BPO , LLC. can harass me and hunt me down for money. 
They have never contacted me yet they have my information and have used it in a fraudulent manner to extort money from me. Take the derogatory information from my credit file

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
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:
By the provisions of the Fair CreditReporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2020 XXXX Inquiry :XX/XX/2020 XXXX XXXX XXXX OF Inquiry : XX/XX/2020

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 2020-12-11
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: Was not notified of investigation status or results

Complaint:
On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the XXXX  data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, 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 explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: PA
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'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Feedback provided CFPB CLOSED THIS AND THE BANK SIMPLY LIED TO US ALL XXXX STATUS Feedback provided on XX/XX/2020 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS com [ pany response clearly states MONETARY RELIEF AMOUNT of {$180.00} Today I received a check marked ESCROW AMOUNT and it was for {$70.00} They charged me for Flood insurance from XXXX to XX/XX/XXXX 6 months and did not even pay me 50 %. They were suppose to pay the full amount {$180.00} as well as the additional amount I paid out of pocket which seems to be {$230.00} as the old premium was {$1700.00} and the new premium is {$1900.00} I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I do not understand this XXXX XXXX emailed me stating the original coverage i had prior to the forced placed policy was sufficient and the increase was something I did not need to do and I would be receiving {$180.00} as well as the amount I paid out of pocket as well THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS I can send you a copy of the check dated XXXX Number XXXX XXXX and it is for {$70.00}

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 monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Account number XXXX Is reporting inaccurate accounts to Transunion and XXXX  credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!

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 2023-11-23
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XXXX XXXX, I received in response to my inquiry three sheets of paper, each titled " Here 's an update on your disputed charges ''. Transaction Post Date on each was XX/XX/2023. Merchant name on each was AMZN XXXX XXXX ( followed by a different alphanumeric XXXX digit string on each sheet ). Transaction amounts and Dispute amounts were shown as {$140.00}, {$400.00}, and {$580.00}. On XX/XX/2023, I responded that there was no physical description of the items I had allegedly ordered. 
The date XX/XX/XXXX makes no sense since the incident where Amazon began the shipment of XXXX or more items that mysteriously appeared in my shopping cart was on XX/XX/2023, the date XXXX began delivering all of them even though I had not ordered them or even knew what they were. 
In numerous conversations with the Fraud Department of the Chase Bank I made it clear that I did not order these items, and successfully returned all but six of them which lacked return instructions, instructions that Amazon refused to send me, but instead told me over the phone to dispose of the unreturned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: MD
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 name is XXXX XXXX and Im submitting this complaint for myself and there is no third party involved. I am XXXX years old and I am trying to better my life by getting credit cards and buying a car and getting a job. I want to be a self-sufficient adult and now I have to suffer because someone else stole my identity. This has been hindering me for too long and Im XXXX  over it! I am writing to delete the following information off of my file. The items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report because I am a victim of identity report and have no knowledge of the negative impacting items. I reported the theft of my identity to the federal trade commission and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Having these incorrect items on my credit report is hindering me from becoming successful in buying a house and purchasing a new car. Please delete these items as soon as possible.

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 2023-01-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal is facilitating fraud. I am a recent victim of an online scam involving XXXX XXXX. The seller uses PayPal 's " purchase protection '' to give buyers confidence in moving forward with fraudulent transaction. They do this because they know how easy it is to XXXX PayPal 's purchase protection controls. The fraudulent seller simply submits an unrelated tracking number and PayPal closes the claim. 

I've already proven to PayPal, via an email from XXXX, that the seller is using an unrelated tracking number as " proof of shipment ''. They reopened the case after I provided the email, then the seller sent another fake proof of shipment and PayPal immediately closed my case again. Each time the fraudster provides a tracking number, the departing location and addressee are different. They use tracking numbers with the same destination city as my current address. PayPal does no due diligence in investigating fraud and is opening up all of their customers to potentially big financial losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.Account Name : XXXX Account Number : XXXX Amount : XXXX Date opened : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX XXXX  can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
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:
Banco Popular De Puerto Rico removal from XXXX, XXXX, and XXXX XXXX from my credit report. date XX/XX/2020 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been trying to work with Ocwn thats my mortgage company for 4 years I tried to do an assumption I tried to do a modification nothing is ever possible I wentctheuva bitter divorce about 2years ago my ex defaulted in court judge awarded me the house Ocwen has been telling me for 4 years I can not do an assumption because there is arrears my ex husband stop paying the mortgage when I filed for divorce. I could not afford the mortgage on my own at the time I was left alone with our XXXX children one of which has XXXX. Ocwen kept telling me all the court did was award me the debt nothing else! I contacted the XXXX XXXX XXXX to help me he has been getting no where either. I was recently told my property is going to be sold on XX/XX/2018 even though we have been working with them. I cant understand why no one will help me. I can now afford the mortgage that my ex husband had, but mortgage company says I have to bring the mortgage current before I can assume the loan, which is now {$73000.00} after all kinds of fees. My mortgage is some how almost {$500000.00} even though the house is only worth {$180000.00} at best it needs slot of work, even if you base it on the other properties in my area still no more than {$230000.00}. I dont know what else to do my son will not handle us having to leave the property the house belonged to my parents we bought it from them 16years ago. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have several accounts with Citibank for many years. I have single accounts and accounts that was joint with my ex-husband. About a week ago I logged in my online banking and noticed that my ex-husband name is coming up on my online banking login. Then I receive email stating about changes made to my account. I seen a person first in the branch and they show me that everything was somehow crossed with my ex-husband. All my personal accounts now had his name and social security number and my date of birth. My debit card once they enter in the computer it comes up with my ex-husband name instead of mines and my name is listed on the card. I called in 2 times to have the problem resolved. the first person I spoke to was XXXX and he involved his supervisor who told him she was going to fix it and all she has to do is just issue me a new debit card. I told him I that not to be true because I am no longer listed on my own account he is listed as the signer. I then called back and ask to speak to a supervisor which the lady immediately put me on with XXXX the supervisor ( I just want to say just how nasty this lady was she didn't even try to help me ). I explained the situation and all she kept saying was go into a branch I can't do anything for you. I asked was she even going to try and assist me that when she asked me for my debit card number, but she still kept telling me to go to the branch. I asked to speak to her manager she told there is no one above and her manager is maybe in a meeting. I hung up. My privacy is more than violated because now my ex-husband has access to all my information and they made changes to my account without my authorization. All now my issue wasn't resolved I need help all my direct deposit goes into 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 2021-09-07
Company: EQUIFAX, INC.
State: PA
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 submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, XXXX, and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

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 2021-01-26
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX XXXX from XXXX XXXX XXXX on XX/XX/2020 in an attempt to settle debt from CashNetUSA for the total amount of {$870.00}. I agreed to pay {$320.00} on XX/XX/2020 and then make payments of {$150.00} beginning on XX/XX/2020 until the debt was payed in full. 
They have now taken {$390.00} more than I agreed to pay for. The payments in my bank statements are under XXXX XXXX XXXX XXXX  RF # XXXX XXXX XXXX NY. 
Every time I try to contact them, I am told to leave a message but I am never contacted back. I know they are taking advantage of me but I dont know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I keep monitoring my credit score in XXXX XXXX. I noticed a hard inquiry that I don't recognize on the Equifax Report. The inquiry was done by XXXX XXXX  on XXXX XXXX, 2018. I have been trying to keep the low profile and working hard to improve my score, I have no plans on doing anything ( auto loans or any other loans ) that will impact my credit score for few years. It is sad as well as scary that I was trying to save my credit health and this happened all of sudden without my knowledge. I would appreciate any help provided to this. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The caller claims to be Credence Resource Management, a debt collection company. 
The caller claimed I owe {$210.00} on my XXXX XXXX XXXX account, and the debt was generated from XX/XX/XXXX to XX/XX/XXXX. 
I didn't have an account with XXXX XXXX XXXX until XX/XX/XXXX, and because it's a prepaid account, it's impossible for me to owe money to XXXX XXXX XXXX. 
The caller knows my name and my address, but refused to repeat my SSN to me over the phone. 
They called me three times so far regarding the same issue, on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. 
I confirmed with XXXX XXXX XXXX that I do not owe money on my account. 
I wasn't sure if I am a victim of identity theft, or the caller is a scammer. 
On the third call, I told the caller I dispute the debt, and demanded them to mail the proof of the debt to me.

Company response to consumer: Closed with non-monetary relief