BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
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:
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Item Reasons Additional Comments XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account 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, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( 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 explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( 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 explanation
Consumer complaint received 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: TN
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:
Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine USDOE/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
I had my last car payment to make on Chase auto finance car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- Chase Auto says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Integrity First Financial Group
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I had financed my house in XX/XX/XXXX for XXXX and my house payments were XXXX per month. This was a VA loan, which requires that all taxes be included in the loan. At the end of XX/XX/XXXXI got a large Tax Bill from the MUD and the Independent School District totally around {$6000.00}. At that time I refinanced to pay the taxes and stipulated that the taxes needed to be in the payment. I got a quote with a lower interest rate and the payment was raised to {$1900.00}. I didn't pay much attention until the end of XX/XX/XXXX I got another tax bill for {$2800.00} and {$3300.00} = XXXX I was shocked to see it but I was really surprised that they didn't pay the XX/XX/XXXX tax for the MUD however XXXX XXXX who bought the loan from XXXX XXXX charged me for it. 

In essence I had paid the tax twice by refinancing. The hit is XXXX which should have been paid at closing ... in fact you can not close until all taxes are paid. And then I was charged that much by XXXX XXXX {$5500.00} Has evaporated and talking to first integrity they say the bill hadn't come in before closing, but I had the bill in hand and it was the sole reason I refinanced. 

Their good faith estimate was for XXXX a month and at the end of XX/XX/XXXXXXXX XXXX had moved a fixed mortage payment to XXXX with the tax payment for XX/XX/XXXX added in. I would have never bought the house if I knew the MUD and ISD were so high. I definitely wouldn't have refinanced to pay it. 

The companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Closing Date XX/XX/XXXX They closed without paying the tax from XXXX XXXX XXXX XXXX XXXX XXXX They then sold the loan to XXXX XXXX The Title Insurance Company may be XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have talked to XXXX XXXX many times, the last few times they stopped returning my phone calls. 

XXXX, which is their agent or title insurance told me they paid the ISD but they didn't have the MUD bill and assumed it had been paid. XXXX XXXX said they cant help me. 

For me this loan was turned over twice without paying the taxes. The VA says that taxes must be included in the payment. The taxes must be paid to close a loan. So I have been defrauded in two different ways and had to sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Experian Information Solutions Inc.
State: OR
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:
XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter datedXX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

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 2018-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: LA
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:
I have tried to validate bankruptcy and none of the bureaus validated or said who is reporting this on my reports

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 2019-05-29
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my credit card account with XXXX XXXX XXXX XXXX XXXX ( through Barclays ) on XX/XX/2019. I was told to pay the balance minus the annual fee ( which was due that cycle ). I did so. But for subsequent THREE billing cycles I have been billed for the annual fee on a card I cancelled. In addition, the credit card company is charging me late fees and interest on the card. I have called the credit card company repeatedly and spoken to Barclay representatives who, each time, have apologized and indicated to me that the charge for the annual fee ( and all subsequent late charges and interest ) would be immediately removed from my account, the account closed, and a report made to the credit monitoring agencies about the mistake so that it does not impact my otherwise excellent credit score. I just received yet another bill from Barclays with a credit for {$27.00} in late fees and {$1.00} in interest charges from the past two cycles BUT with the same annual fee charge and a new interest charge for " late payment '' on the annual fee. No matter how many times I call them about having canceled the card months ago, they keep billing me for the annual fee and reporting me as late to credit monitoring agencies and charging new interest on the " outstanding payment for the annual fee '' on a card I no longer use or own. Because all of my efforts have failed, I am now contacting the Consumer Financial Protection Bureau for assistance. I am especially worried about the ongoing impact this will have on my credit rating. Please help. Thank you.

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 2020-08-31
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from Quantum Collections on XX/XX/2020 and was left a general message to contact them back. I have received zero contact from them as of todays date. 

When checking my credit report today I found they have reported this debt to all three credit bureaus as of XX/XX/2020. The creditor they have listed is to a doctor that I saw last year, to my knowledge this doctor was paid in full. 

As of todays date I have yet to receive any initial communication from this collections agency regarding this account as required by the FDCPA. They have now reported to three credit bureaus information I dispute as inaccurate a violation of the FCRA. 

Despite having never consenting to electronic communication out of courtesy to this collection agency I did check all of my emails to verify they didnt send the initial demand by email and found no communication. I do receive daily emails from the postal service with mail being delivered, as such I do have documentation of proof they have never sent a initial notice prior to commencement of collection activity and credit reporting. 

This is both illegal but it is causing me injury ; had they complied with the law I would have promptly disputed the information and if the account is shown to be valid would be happy to arrange payment.

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 2019-08-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the collection company summonsed me to come to the court in XXXX  county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete 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 2023-05-11
Company: Nelnet, Inc.
State: MD
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:
Nelnet refuses to provided me any validation of the debt. I requested information to the validity of the said debt owed, but Nelnet refused to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: DC
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX of 2019, I received an item delivered to my house that I did not purchase. I called Chase bank to make a fraudulent report of the purchased item since it was not purchased or authorized by me. Additionally, I called XXXX the seller 's carrier to make a report of the same item. Chase bank went ahead and canceled my Chase bank card which number was ending in XXXX while the matter was been investigated. XXXX simultaneously sent an acknowledgment letter to me stating that the matter was being followed up with a note to the seller in order to return the item. While waiting for the matter to be resolved, I received an online invoice or statement on or about XX/XX/XXXX, stating that there was an additional purchase made on the XXXX 's account that was canceled about 10 days ago, while I am in expectation of the new Chase Bank card in the mail.I spoke with Chase representatives several times and assumed that because I have my bank account on file that shows sufficient amount to pay off in surplus this fraudulent debt, they refused to listen to me and requested each time that I make a payment with my account on the Chase bank system. The irony was that I did not receive any card from Chase bank to replace the canceled card, neither did I activate it. Chase bank has destroyed my credit record and now I cant buy or sell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I contacted quicken loans to ask them to waive my late payment due to my job not sending my first retirement check on time. ( Job stated that they were mailing my first retirement check on XX/XX/XXXX, but I did not receive it too XXXXXXXX XXXX,2019 ). I called quicken loans on XX/XX/XXXX, to let them know my payment would be late and I also asked for the late fee to be waived once the payment was made. The representative said that would not be a problem since I was never late. Well today a representative by the name of XXXX XXXX said once the payment was made they would not give me my late fee back. Now I have a problem with this company for making false or unclear statements to me earlier. All I am asking for is for this mortgage company to keep their word and return the XXXX late fee to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX Mastercard by Comenity Bank on XXXX.The account was closed by Comenity Bank in XXXX sinceI started in a debt relief program : Freedom Relief Debt Program. I remembered I paid in full my account ; however I received a debt collector letter from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX SC, XXXX. This collection XXXX Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to XXXX XXXX XXXX XXXX XXXX and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: PNC Bank N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently wired {$18000.00} from XXXX to PNC Bank account # XXXX XXXX # XXXX for purchase of a camper on XX/XX/19 at XXXX hours. This turned out to be a scam. I went to XXXX   the next morning to request help and I was told there was nothing I could do the money was gone. I explained that PNC stated I could request a reversal of the wire transfer and was told by Mr. XXXX XXXX PNC Bank he would freeze the account. XXXX sent a request for reversal to the FedPayments Manager at XXXX hours on XX/XX/19. I was informed by Mr. XXXX XXXX that all claims to this account have been closed and PNC was unable to recoup any money. I have now been informed the money is not available to return by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: Personal information incorrect

Complaint:
I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, XXXX, and transunion ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to  update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX   data breach as well. THIS IS RIDICULOUS!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have repeatedly benn called by Conns stating that I am past due. My credit report states that I am current with payments. I have talked to management in XX/XX/2020, XXXX XXXX and XX/XX/2020. They told me each time to disregard calls from as this was a technical error. Now i have been reported to the credit bureau without due cause and my credit score has gone down. I am seeking legal action at this time. They call frequently relative to this matter.

Company response to consumer: Closed with explanation