BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: OneMain Finance Corporation
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:
On XX/XX/XXXX and XX/XX/XXXX ONEMAIN FINANCIAL accessed my credit file with XXXX XXXX AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX ONEMAIN sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request ONEMAIN FINANCIAL was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX one, and XXXX deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, equifax data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I attempted to wire {$300.00} online with a credit card to XXXX to someone that I know. I got a message that the transaction was completed and I sent the reference number to the receiver. About 40 minutes later, I received an e-mail that the transaction had been cancelled and my account was closed. I spoke to someone in customer service, who said that they can not give me any information about why it was cancelled and they told me I can never send a money gram transfer again -- -neither online or in person. They said it was a " security issue to protect me ''. I told them that I know the person I was sending it to and was willing to take that " risk '' with MY money. I asked to know what the problem was, but they were not willing to give me any information other than that is the way they do things and don't have to give me a reason. 

After reading many of the complaints, it seems that after you send money several times, they shut down your account. I have sent a few times before in the office, with the most recent time being on XX/XX/2019 to a different country. I have a small business which requires me to send money overseas. As there is a paper trail and they check id 's in the office, I'm really wondering why I was denied using their service. I am not satisfied with the customer service that I received. I am also upset that it took so long for them to tell me the transaction was cancelled, as it could have meant the recipient went to collect her money and it wouldn't be there.

They also told me it would take 3-10 business days to reverse the charges. As it was on my credit card ( versus taking the money out of my bank account ), it wasn't as big an issue ( my plan is to dispute the charge as soon as it processes ) -- -- but it seems it is not right to take people 's money and keep it for 3-10 business days. At the very least, they should pay interest. It should be returned immediately when the transaction is cancelled. It could be a financial hardship to people, especially if sending a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
While in bankruptcy have attempted a Loan Modification. This process has been going on for approximately three ( 3 ) years. I have continually sent documents as requested, completed tons of paperwork only to be told this has not been received. I have email receipts as well as fax receipts tons of paperwork I completed, etc. I did not send any payments while in bankruptcy as I was attempting to modify loan. I can not get anywhere with this company except excuse after excuse which are clear falsehoods. I am a business woman who is very organized and have access to computer, email, fax, scanners, etc. which enables be to complete these modification documents, timely and efficiently and with receipts. 

My belief is this company 's only interest is to profit off of my hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( XXXX XXXX ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, we received notice that are home has increased in value to the point we can have PMI removed. I sent a request to our mortgage company. They denied the request stating we had made late payment. We have never made a late payment, ever. I sent 24 months of payments as did our bank. I sent another letter asking for clarification on XX/XX/XXXX. No response. I have called and keep being told they are working on it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2021-11-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I contact JPMC concerning a balance that they contacted me about and that I had not idea was owed. It is for my Amazon credit card. I did place an order for {$40.00} bottle of XXXX XXXX. I had been using Amazon 's Bonus Credits in dollar amounts and when I did not receive a bill and when I showed a XXXX balance on my Amazon account, I assumed the purchase was covered under their bonus credits in dollar amounts. I received a call from JPMC in early XXXX and thought it was spam. I purchased a home and a past due ( 2 months ) report from them appeared on my credit report. I contact JPMC and after waiting on hold for over 2 hours and being transferred to multiple departments, it was explained that I owed almost {$200.00} for the {$40.00} purchase as the bill had not been paid. I had not received a bill in the mail or an email ( which Amazon had both on file ). When finally being transferred to a department who could assist, I explained my situation. The rep advised they had returned mail as it had been mailed to my physical address and not my mailing address. Again, they had all of my correct information. I was able to negotiate the amount to {$160.00} and was prepared to pay the balance to get the late payments removed from my credit report. Unfriendly and unprofessional assistance. Refused to remove charges and refused to provide receipt for payment. Advised I would have to call back and go through the entire process again to request a copy of the receipt in 72 hours. This is a ludicrous way to conduct business and after the rep updated my mailing address, a supervisor advised they had not had any returned mail. Again, ludicrous. I am disputing all charges above and beyond the {$40.00} charge. Would you please assist in getting this resolved? I appreciate your help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PS I received a bill from JPMC on XX/XX/21 for an even higher amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$5600.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone attempted to deposit a Fraudulent check for {$5000.00} at a Bank Of America in North Carolina with a bank card in my name. I wasn't aware of what was going on due to it being an account I hardly used.

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 2023-05-13
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires all reporting agencies to follow up and investigate those inquiries in question or delete. 

XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX ; Date : XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX  ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: LA
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:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently I reviewed one of my credit reports and noticethere were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to theprovisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed itemsmust be investigated or deleted from my credit record within 30 days. - 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 2021-01-25
Company: EQUIFAX, INC.
State: NC
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:
Submitted dispute on XX/XX/XXXX. Account still shows as disputed and no results. The disputed company has yet to respond after 30 days and the account still remains. I have submitted FTC complaint form and referenced my identity theft affidavit from XXXX where this account was previously disputed and removed by Equifax as a result of identity theft and fraud. This negative account should have been suppressed from re-appearing, equifax is negligent to allow this account to report after previously being disputed and removed. I am a financial victim of covid-19, and a victim of equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX - Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4.

I need them delete this unauthorized inquiries off my credit report.

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX XXXX XXXX XXXX ) and others who furnish third party disputes free of charge, etc.

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 2022-12-05
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XX/XX/2022 Sent a letter to Equifax stating that these inquires was made by someone other than me. These inquiries was in fraudulent. I asked them to investigate and to please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received no written notification of this debt. Don't know what this debt is. 

Repeated harassing calls from rotating numbers several times a day to myself for months no messages ever received. Research on my part indicates it is Portfolio Recovery Associates. Still unclear where debt originated. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XXXX XXXX, XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.

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