BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: PA
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 attached a letter and FTC 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 non-monetary relief
Consumer complaint received 2017-12-20
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Information belongs to someone else

Complaint:
Disputes have been sent to Equifax, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There are inquiries that are the result of identity theft and an account with XXXX XXXX 's. Copies of my driver 's license, social security card, utility bill, Identity Theft Police Report, notarized FTC Identity Theft Victim 's Complaint and Affidavit, and a letter from XXXXXXXX XXXX that indicates that account was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The discover account has been removed from my XXXX credit report but remains on both Transunion and XXXX. XXXX XXXX remains on my XXXX credit report. XXXX XXXX account has been removed from XXXX 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past th

e 7yr statue of limitations which I was not responsible for.

I have been disputing these accounts for XXXX yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against Transunion, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.

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 2021-04-28
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
4 independent complaints filed via this site. 

Vehicle lease from JPMC XXXX XXXX was reporters past due in error by JPMC for months in XX/XX/XXXX. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later JPMG offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returned XX/XX/XXXX JPMC has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX manager at Chase with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was told by XXXXy, Chase Bank Manager, XXXX, MD, on Saturday XX/XX/XXXX, after she spoke with XXXX XXXX and I to verify my XXXX deposit, Chase would open a new account and transfer my money ( XXXX ) into my new account. I was told I could open a new account, XXXX open a new account and was transferring my money by into the new account, the next day This never happened. I was then called by a bank manager, and I was told they were going to closed the new account and would not let me speak with XXXX, Bank Manger previously spoken to, who gave me her business card as a contact through this issue. After Chase closing my new account XXXX  opened, I was told they were sending my check instead in three days, which was 3 weeks ago. Chase closed my account, never sent a check, or gave me access to my old account or new account even after my identity was verified and deposit proved twice now. I was not allowed to see my balance, or a detailed transaction list. I dispute the amount verbal stated to me, and requested detailed account summary, never received for original account It has been three months plus now, since Chase has frozen/kept my XXXX money needed for my children in collage and medical bills. It appears Chase plans to keep my $ XXXX because they have not kept there word. I need to my XXXX now please receiving a call from the chase corporate office when I calling speaking with bank manger at Chase and FRUAD dept, I was told over a month that this would get resolved, but has not. I called Chase fraud department and was told to come in and present proof of identity and deposited was mine, I did. MrsXXXX XXXX at the XXXX XXXX XXXX XXXX branch, got copies of my drivers license and load paperwork as proof of identity and deposit. This also was verified when XXXX XXXX deposited the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: LoanCare, LLC
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 information incorrect

Complaint:
Contacted my lender to ask them why they had stoped AutoDraft with my bank on my mortgage payment which Ive had turned on for the last 5 years, my lender tells me that they looked at some public records and saw that my wife was filing for bankruptcy which is totally inaccurate. My wife has never filed for any type of bankruptcy ever. However, my daughter who have the same name as my wife but shes a Jr. is the person filing for bankruptcy so after I clarified this information with my lender, indeed lender admitted to me that they had made an error on reporting inaccurate information so I asked them to fix the issue and they suggested I file a dispute with the 3 credit bureaus assuring me a faster response through them to fix this error which I did I started a dispute with the 3 credit bureaus but 3 weeks later my lender fought this information against me stating that the information the have is accurate and wont fix their own error even though they admitted to me their error over the phone.

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 2018-11-14
Company: Ameritech Financial
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I went through Ameritech Financial to pay off my student loans and to receive a debt forgiveness. They have been taking a XXXX $ payment each month from my checking account for the past 4 years. I was only suppose to pay for 2 years. Now I have a loan company called XXXX XXXX who reported me to collections because I haven't paid my loan. I have no idea where my money went for the past 4 years and what's going on.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-28
Company: CREDIT ACCEPTANCE CORPORATION
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:
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved 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 explanation
Consumer complaint received 2021-10-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony Bank closed SIX credit card accounts ( some store cards, some general credit cards ) in XX/XX/2021 with no warning. The reason they gave in a letter in that I'm a high risk for fraud - because THEY GAVE ME CREDIT LINE INCREASES that they say shows I have a high probability to max out the cards and then not pay the bill. All but 2 cards had a XXXX balance. Additionally, I had rewards on 2 of those cards that I was saving up to use... and now I'm told I forfeit those rewards.

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 2021-06-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, On Saturday, XX/XX/XXXX, I receive my annual escrow statement, dated XX/XX/XXXX, indicating that as of XX/XX/XXXX I would have a negative balance of $ XXXX. In addition, that as a result of this negative balance, my escrow account would have a shortage of {$4000.00}, increasing my monthly payments from {$2000.00} to {$2100.00} over the next 36 months. 

My escrow balance will not be - {$1000.00} as of XX/XX/XXXX, but will be {$3900.00}. If you review the enclosed statement, it shows that as of XXXX, XXXX the balance in my escrow account was {$10000.00}. If you add the XXXX escrow payment of {$980.00} and subtract my 1st installment XXXX taxes of {$5000.00}, which is four XXXX 4 ) months late, the balance is {$6700.00}. If you review the screen shot of my escrow account, that is my current account balance. However, if you review the prior year account history, on XXXX, XXXX they incorrectly withdrew the {$5000.00} twice creating a balance of {$1600.00}. Then they added the XX/XX/XXXX escrow payment of {$980.00} and subtracted the XXXX second installment tax payment of {$3700.00} creating a negative balance of - {$1000.00}. Why would they subtract the estimated 1st installment tax payment of {$5000.00} and then subtract the actual 1st installment tax payment of {$5000.00} for the year XXXX? In actuality, if you take the current balance of {$6700.00} and add the XXXX escrow payment of {$980.00} and then subtract the 2nd installment tax payment for XXXX of {$3700.00} and subtract the {$7.00} agency fees, the balance as of XX/XX/XXXX will be {$3900.00}. 


I have had to file three complaints against this company. I am too busy and don't have time to write you every week regarding their incompetency! I am sick of this!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Tally Technologies
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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Flatonia Investments, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were not contacted about closing went thru under writing and never closed never got a call back and house was under a contract and mortgage company never gave us a reason why and wouldnt return our calls and now there trying to keep my earnest money really I have a lot more to say about this problem my Realitor said he has never seen anything like this the mortgage company mess up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I am submitting proof evidence of XXXX orders and XXXX XXXX enlistment for XXXX XXXX. Santander illegally took my XXXX XXXX without court order. On XX/XX/XXXX while I was preparing for XXXX Santander took my XXXX XXXX without proper documents and never offer me assistance. I am sending you a copy so of my paperworks for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loan company is reporting late payments on my account that was transferred to another lender. I have contacted the loan company and they have refused to remove the incorrect information. The loan that is reporting late payments is for a loan obtained in XXXX and XXXX or so which was for the amount of {$2500.00} initially, which was sold to another loan company in XXXX. The amount of {$13000.00} is for loans that I obtained in XXXX from XXXX XXXX which have never been late and were not opened XXXX as reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation