BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.

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 2018-06-07
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a vehicle loan from XXXX XXXX XXXX. The vehicle was involved in a flood. The vehicle was totaled by the insurance company. I was fully covered including GAP insurance. The GAP insurance paid the loan in total. XXXX placed two late payments on my credit report. I have disputed with the company and through the major credit bureaus. I have been unable to have the information removed. I never had any late payments on this vehicle.

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 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is now ignoring all requests for information- complaint XXXX was not responded to in a proper manner, please forward this complaint to enforcement as company is attempting to collect on criminal usury interest amounts. XXXX USD off a XXXX USD credit limit. I've enclosed a spreadsheet showing civil usury which this company is obviously guilty of, but by their own admittance, the interest was only calculated on a 3 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is incorrectly reporting that I am ( 90 ) days late on the XXXX/XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.

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 2018-06-07
Company: Innovate Managed Holdings, LLC
State: NC
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 TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
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: Information belongs to someone else

Complaint:
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2019-03-17
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
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 texted called emailed over and over i settled with one that i made 5 payments of XXXX its paid for they say say i owe more i settled with it i payed anther one in full XXXX and i made police report on the others for idenity theft. Hospital one i gave them my insurance it is still in the credit bureau needs taking out..

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 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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:
Equifax is reporting incorrect information on my credit report. They are reporting one account that I closed back in XXXX of 2020 as 30 days late. Which was closed with a XXXX balance and the account was never late. This merchant has reported my closed account on other credit reporting agency as 30 days late 5 months after the account was closed. I've also sent to the Merchant debt validation request letters which they failed to do. 

There is a collection account that is not my account. Again I've contacted the company requesting debt validation which they failed to provide me with under the Fair Debt Collect practices pursuant to 15 USC 1692g Sec 809 ( B ) of the FDCPA. The letters were sent on XX/XX/2020 and on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying monthly for 10+ years. Since XX/XX/XXXX- Ive worked with XXXX with XXXX as a XXXX XXXX -and therefore my job qualifies me for PSLF. Ive been forced out of this program in the past as my income based repayment was at one time $ 900+ per month. Finally I received notification that my IBR would be  affordable- and so I enrolled again over 1 year ago for the PSLF . My payments last year were {$570.00} and now this year are {$470.00}. I am not making dramatically a different salary- so the fluctuations are a little weird- especially that when I first applied - my payment was {$900.00}. 

I checked this weekend to see where Im at with qualifying payments- it said 3!!! 

I just emailed them and havent heard back yet. My real frustration is that Ive made these payments since XX/XX/XXXX and have worked since XX/XX/XXXX in a qualifying area. I believe that they are playing games with me in The following ways : 1. Giving me a very high ibr when I initially enrolled. 
2. In the years after I wasnt enrolled because I couldnt afford it- I called almost every 6 months to try and find options that would make sense and that I could afford. 
3. Finally- after wasting several years not enrolled - I reapply and its affordable? Its basically the same payment I was paying? 
4. Now that Ive been enrolled officially into PSLF since XX/XX/XXXX- I only have 3 payments listed as qualifying? 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: VA
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 credit score went down from XXXX  to XXXX. In a day. When I contacted equifax for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is equifax, XXXX and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Persolve, LLC - Legal - Series 2
State: CA
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:
On XX/XX/2018 a default judgement in the amount of {$5000.00} was entered against me in a Civil Case in XXXX XXXX County court that was not the Court in my immediate area. I was never notified by by Persolve LLC that I owed them a debt, nor was I informed of what the debt is for prior to them filing suit. I still do not know what this debt is they fraudulently claimed they served me at a business postal box. They shared information regarding the lawsuit with the business owner who informed them I no longer had an active mailbox with them and could not accept any documents. The individual then yelled at her stating she had to accept the documents. When I returned to the area and wanted to establish a mailbox again the owner informed me that someone had come in there and yelled at her. She was not provided a name and since I had no knowledge of the case I was not able to figure who or what she was talking about. I was never provided any court dates to defend my rights to respond. They fraudulently moved forward with a default judgement in a Civil Court case, if the  debt is even valid ; knowing I was never served. 
- No Notice to Dispute Debt - Debt is Unknown - Fraudulent lawsuit, never served to respond - moved forward to get a default judgement knowing I was never served

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been many issues with Shellpoint mortaging since they purchased my loan, they have constantly been assessing me with a escrow to pay for mortagage insurance which I already have through my homeowner association. I have tried to contact them and have provided my insurance as per my homeowner association and nothing.. Now I am receiving a escrow evaluation that includes a need for an additional $ XXXX. I am pretty much at my end at trying to get them to do right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a new credit card, and was turned down. I was told to check my credit rating. I found XXXX on line, and discovered that my XXXX XXXX CHASE credit card, held by JPMChase Bank, had reported that I was 60 days in arrears in XX/XX/XXXX on my account. I contacted AMAZON, learned that my AUDIBLE account was the source of fraudulent charges to that account. After identifying the fraud, AUDIBLE refunded my card in the amount of {$230.00}. I called the credit card company ( JPMCB ) to report the fraudulent use of my card and requested a new card. I asked to have the arrears claim omitted from my account. They told me to file a dispute report with XXXX, which I did. 
While the charges have been removed from my account, my JMPCB account still shows delinquency from XX/XX/XXXX. 
When I spoke with a representative at XXXX, I was advised by to file a claim with you ( FTC ) against JMPCB. 
That website sent me to you. 
I have attached a letter from AUDIBLE refunding my money for the fraudulent charges. 
Please help me clear my name. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Cordoza & Wexler Recovery Services
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cordoza and wexler services comstantly call me about a civil lawsuit for money owed on a debt. I do not have any passed due bills or accounts. I do not know how they got personal information about me. They keep calling me asking me to confirm information. I refuse to do so because they appear to be a shady company that tries to manipulate people into paying money that person does not owe. They left messages over the phone claiming i can pay them directly. One person even called me a liar repeatedly when i told him that he was a scam artist and that i am not the person he was looking for. His name was XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: First Technology Federal Credit Union
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Approximately 18 months ago I requested that First Technology Federal Credit Union link my savings or checking account to my son 's First Technology Federal Credit Union checking account so that I could make an emergency transfer to his account. First Tech informed me that they could not set this up without my son being present at the branch. He lives out of state, so it was not possible and I did not pursue it further.

On XX/XX/XXXX, I set up a transfer from my First Technology Credit Union savings account to a joint checking account I share with my husband. The amount was {$2100.00}. For this transaction, I downloaded and installed the mobile app and proceeded with the transfer to the joint account.

When the funds did not appear in the joint account, we realized that the funds had been transferred to a First Technology Federal Credit Union account that we were unfamiliar with.

Upon calling the bank, they informed me that the transfer had gone to my son 's First Technology Credit Union account. I likely accidentally selected the wrong account probably because it was at the top of the list in the mobile app. I'm not completely certain. The account was linked to mine even though we had not gone through the steps to connect them.

First Technology Federal Credit Union refused to pull back the funds from my son 's account. They told me the only way to do this would be for my son to go in person to a credit union associated with First Tech, give them the account number the funds should have been transferred to so they can transfer them back, or else to get a cashier 's check and mail it to me. My son lives in another state, is mentally ill, and does not have transportation to get to the credit union. After explaining all of this, they then proceeded to try and sell me on opening up a low interest loan or credit line as I am a premium customer. This just doesn't seem right.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: FL
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:
Ive called each credit bureau multiple times advising them of unauthorized inquiries and they did nothing to accommodate the situation per the FCRA. I listed all the inquiries and told them that they should not try and make us contact the creditors for accounts we dont have and did not authorize. Over half of these hard inquires were placed on my account 2015 and I was overseas in the 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 2019-01-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Im American Express platinum card holder.

and pay {$450.00} per year to use the card one of the futures that comes with card pay charges over time with 20.49 % Ive been using this future occasionally and has limit of {$35000.00} last night trued to transfer a charge over {$300.00} but the future was suspended this isnt part of term and condition of the card as far as I remember I never been late or had issues I had a choice to use different credit card to pay a certain charge and not pay fee if I wasnt notify by American Express to suspending this future and could save {$180.00} if so I need to be refunded all interest charges that I was accumulated and Amx violated our terms and conditions.

Company response to consumer: Closed with explanation