BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX my XXXX account was hacked and someone fraudulently ordered roughly {$8600.00} in tickets. They charged {$4900.00} to my XXXX Card and charged another {$3600.00} to a " XXXX XXXX '' account that was opened up without my knowledge. On XX/XX/XXXX I was able to have XXXX refund the money and close the credit account that was opened fraudulently. I just got a letter in the mail yesterday about XXXX running a credit check when opening the account and saw that my credit score was lower than it was previously. I then went and checked my credit score on my XXXX card ( it's one of their free features that I can see monthly ) and my score dropped about 23 points. The reason of it dropping was the account that was opened without my knowledge I'm sure. I don't miss payments and worked towards getting my score as high as possible. I was previously at 780+. I would like to have this charge removed from my credit history as it was fraudulent. If you need any more information please let me know.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. 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 2021-09-16
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: Account status incorrect

Complaint:
DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, TRANSUNION, XXXX XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.

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 2019-05-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against equifax as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Equifax arbitration bylaws .Equifax removed accounts and readded them back on my credit report and due to the FCRA XXXX I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Equifax did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA., and refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623.Equifax failure to remove these negative inquiries and accounts have caused me mental anguish and has hurt me financially. My case will be handled by XXXX XXXX XXXX XXXX XXXX CONSUMERPROTECTION LAWYERS ) XXXX XXXX XXXX XXXX  Al XXXX We are bring our legal claims against Equifax as of today. 

XXXX XXXX XXXX  Car XXXX XX/XX/XXXX {$120.00} XXXX {$95.00} ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bank  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer XXXX XX/XX/XXXX These certain induvials in the fraud department are responsible and the will be personally named in our lawsuit as of today XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax XXXX XXXX XXXX XXXX XXXX of Equifax Fraud and identity product manager

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: United Consumer Finance, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2019, I signed a loan for {$6400.00}. The plan was to pay {$200.00} a month for 46 months and end up paying {$9400.00} altogether ( including interest ). I didnt want pay so much in interest, so I decided I would make larger payments. To date, Ive paid {$7000.00} ( including interest ) and its only been two years. I believe that Ive been overcharged in interest and that United Consumer Finance is not adhering to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$56.00} XXXX XXXXXXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... XXXX XXXX, Nationstar Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan that Nationstar collected on even after they were fully aware of the fraud. Their Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. XXXX XXXX used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: DC
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 having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of  information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage holder ( XXXX, my loan number is " XXXX '' ) has incorrectly calculated my escrow analysis for the year 2018, resulting in an increase to my mortgage payment of roughly XXXX {$500.00} per month ( see below for additional details on this ). I have been working with them to try to get the analysis redone correctly since XX/XX/2018, I been repeatedly told by 2 separate representatives that the escrow account would be reanalyzed and the escrow payment would be lowered to the correct amount within 2 weeks ; it has now been 7 weeks since I first contacted them about this and they have made no attempt to fix the problem.

There are only 3 payments made from my escrow account annually ( these amounts are based on actual dollar amounts paid this year/last year, no major increases are expected on any of these values ) : School Taxes - {$3700.00} City Taxes - {$1900.00} Homeowners Insurance - {$660.00} -- -- Total paid out of escrow annually - {$6300.00} My monthly mortgage payment as of XX/XX/2018 went from {$1500.00} up to {$2100.00} following XXXX 's annual escrow analysis, of the new amount, {$1000.00} is going toward escrow. This results in {$12000.00} being added to my escrow account annually ( more than double what is needed to pay my taxes and insurance ). 

At no point has my escrow account ever gone into a negative balance or been unable to fund my tax and insurance expenses. Both representatives that I've spoken to at XXXX have acknowledged that the escrow was calculated incorrectly, but no attempt has been made on their part to fix the error, and I am left paying an extra ~ {$500.00} per month into an already bloated escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This complaint covers TWO civil suits that the company has in my district court. Both were discharged in bankruptcy court. The two cases remain in the court docket in XXXX XXXX Kentucky. 

The first case XXXX was addressed by the company in CFPB COMPLAINT XXXX. The company stated in reply on a letter dated XX/XX/XXXX : Our records indicate that a lawsuit, Case No. XXXX, was filed on or about XX/XX/XXXX in XXXX XXXX XXXX in XXXX XXXX, Kentucky. A dismissal of the lawsuit was filed in XX/XX/XXXX, but upon review, the dismissal did not show to be recorded. The dismissal was refiled with the court on XX/XX/XXXX by Resurgents third-party servicer, XXXX XXXX XXXX, and they are awaiting the entry. Please see the attached docket for review They then attached an UNOFFICIAL COURT CASE summary. It appears again for the second time nothing was recorded. 

THE COMPANY HAS TO SUBMIT A MOTION TO THE COURT TO DISMISS THE SUIT. 

IT MUST DO THE SAME FOR THE SECOND CASE THEY FILED : XXXX XXXX KY XXXX XXXX CASE NR : XXXX. 

If the companys attorney XXXX XXXX XXXX in Michigan is unfamiliar with Kentucky Civil procedures, I suggest they contact the court for proper procedures to dismiss BOTH cases. 

Bankruptcy was discharged in XXXX, YET BOTH CASES REMAIN ON THE COURT DOCKET IN XXXX. 

ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These items are reporting late as reported in TRANSUNION. Lets correct this immediately. TRANSUNION is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( LATE/OPEN : 1. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} 2. XXXX XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$35000.00}

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 non-monetary relief
Consumer complaint received 2021-09-02
Company: MARINER FINANCE, LLC
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: Account information incorrect

Complaint:
My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the Mariner representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid mariner finance for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however Mariner is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to Mariner Finance so why are they reporting them as late payment. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX. I was instructed by my employer to send a client down payment to our supervisor via wu. It turns out this money was paid with a fake check and my bank is holding me responsible for the missing money. My employer tricked me into this and I have an active police report. Western Union and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Bepensa Capital, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I sent Credito Real USA Finance written request for debt validation pursuant to 15 U.S.C. 1692g along with a cease and desist through ANY medium Pursuant to 15 U.S.C. 1692c ( c ).

They failed to provide the 5 things required upon my written request. They sent back only a contract which is NOT validation.

15 USC 1692 states that Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unles
s the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the deb
t collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Credito Real USA failed to provide me any of thes
e 5 things.

They are also still contacting me through my consumer report and has recently reported a late payment on my report which is damaging and defaming my character.

Credito Real is infringing on my right to privacy as I do not wish for them to report any payment history or balance on my report. That is a private matter that I do not want any other person know my private affairs.

I recently sent a request for Verification of Debt and they responded with the letter I have attached. they are choosing to not honor my request therefore they should cease any collection Credito Real USA is also in
violation of 15 U.S.C 1692c ( c ) as they are still contacting me through my credit report stating that I am late.

15 U.S.C. 1692c ( c ) states that ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contact XXXX XXXX XXXX about my 2 accounts with them ( XXXX XXXX and XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from Barclay Delaware that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That Barclay Delaware account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.

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 2021-08-05
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My main complaint is I had XXXX XXXX and I was XXXX XXXX in the worst way. These finance companies get huge money from the Government and don't share the relief or pass on what they know they are supposed to do. XXXX XXXX XXXX gave me a payday loan in which their interest rate changed more than once. At the same time, they shopped my credit to other brokers which they ran up roughly over 60 inquiries, that started the XXXX of my credit. They used Caine & Weiner to place this on my credit, knowing that the government passed a mandate that All Finance Companies are supposed to abide by the law of relief. I am feeling the effect of these damages and I can't even refinance my house cause the Delta Covid 19 is here and I am trying to handle this before this gets even worst. These companies understand their wrong doing. This mandated law has a debt forgiveness. This company is not exempt from this law which needs to be applied to this debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account ( balance with Midland Credit Management ) for the past year and 1/2. I  explain to them I do not owe the amount listed. I have requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constant phone calls from American Express ( they say they are from American Express ). They ask for XXXX XXXX. XXXX XXXX is my ex-husband we've been divorced since XX/XX/2002. When I explain this they demand that I provide them with his phone number. I've not done so, but I have forwarded their phone numbers to my ex-husband. I've also asked them numerous times to stop calling me, they have not stopped calling. It's been 4 months. 
The phone numbers are XXXX XXXX

Company response to consumer: Closed with explanation