BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was charged fraudulently for the following transactions that I did not authorize : * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$200.00} from XXXX XXXX on XXXX XXXX UTC * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$110.00} from XXXX XXXX XXXX XXXX  on XXXX XXXX UTC Upon noticing these transactions on my account, I made a claim with my financial institution on XX/XX/2020 and at their request, submitted a written claim on XX/XX/2020. 

I was informed by a representative of the financial institution on XX/XX/2020 that the matter would go under investigation and if the claim was not resolved within 10 business days, I would be extended provisional credit no later than XX/XX/2020. 

On XX/XX/2020, I received a notification that my claim had been rejected, but was not given a specific reason as to why. 

On XX/XX/2020, I requested to know the specific reason for my claim being rejected as is my right under Regulation E and did not receive a response until XX/XX/XXXX when the financial institution informed me that my claim was still being investigated as it had never been denied, but that theyd have 90 days to reach a decision. 

As such, as the matter was open the entire time, I am entitled to provisional credit under regulation E in the amount of {$530.00} which to this point, I have been unjustly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Conn's, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : CONN CREDI XXXX Opened XX/XX/2015 Balance XXXX ; CONNS XXXX Opened XX/XX/2015 Balance {$2100.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: MI
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 completed 5 years of full time XXXX in a XXXX XXXX  ( low income XXXX ) in the area of XXXX XXXX, which qualifies me for XXXX  loan forgiveness under the XXXX Loan Forgiveness Program. 

I applied for it, with my XXXX XXXX XXXX assistance ( superintendent of HR filed the paperwork to certify my 5 years ) in XX/XX/XXXX. I received a letter from the XXXX   Loan Forgiveness Program approximately one month later telling me I was denied. There was no reason given. Upon further investigation, it was because I consolidated my loans from XXXX in with loans taken out after XXXX through XXXX. Because the program began in XXXX, I'm automatically left out, even though I have plenty of loans taken out after XXXX. Essentially, because I made the wise decision to consolidate and pay a lower interest rate overall for my loans, I'm being penalized. 

Please help me! I made the commitment and I need help with getting the federal government to follow through on honoring their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I already did many complaints but there is no resolution, mortgage company give us forbearance due to Covid and lost of job then the last forbearance end on XX/XX/2021 and until now they put as in modification fromXX/XX/2021 and they said they will take up to 30 days up to now the answer from Mr Cooper is different from different associates, and until last call is your modification is underwriting review for more than 4 months now and we dont know anything about what the other options and they want us to pay what we own around XXXX dollars please help us First we dont know what kind of loan our house? 
I already send them a month payment after the forbearance end but to returned back. 
Second why mortgage company not help us as the government said so what we have to do and what the options before we loose our house please please help, we need to know what type of loan we have do we can looking for what help we can get for the type please please help us thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
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:
My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.

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 2020-12-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ACCOUNT RESOLUTION SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting two fraudulent accounts on my credit report. The first account is a XXXX XXXX closed account with a balance of {$830.00}. This is not my account and I would like it removed. I currently have a XXXX XXXX credit card with a credit limit of {$300.00} and my balance is under my credit limit. For some reason Transunion is not reporting the credit card that I currently have with XXXX  XXXX, they are reporting a fraudulent account. I disputed this account with XXXX  XXXX and Transunion on XX/XX/2017 with no response from either company. I am entitled to fair credit report, reporting. I would like this fraudulent account removed from all three credit reports and for my current XXXX  XXXX account to report. 

The second account that Transunion is reporting is a XXXX account. I have never had a XXXX account. I disputed this account with XXXX and Transunion on XX/XX/2017. I have not received a response from Transunion or XXXX. According to the fair credit report act i am entitled to have a correct credit report. Please remove this account. 

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 explanation
Consumer complaint received 2021-06-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone with my SS # opened a checking and savings account with TD Bank. It is frozen but I'm concerned about other accounts. I also had a hard inquiry on my credit report that I didn't do. 

Also, they opened it in my maiden name of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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:
My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.

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 2018-01-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XX/XX/XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.

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 2020-12-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 right after recovering from XXXX I noticed a XXXX discrepancy in my bank account. The moment I saw that my account was being used without my consent, I contacted Chase bank and notified that I was being victimized by the fraud that generated the number # XXXX. He said it is quite clear that my ex-roommate had committed the fraud since although the purchases came from my debit card, the notes were in the name of my ex-roommate and I had never given him any information or permission to do so. make no purchase. Yet Chase bank dismissed my claim of fraud, making all purchases valid. Except for three transactions which, according to them, were the only ones considered fraud, which seemed strange to me. As only three were frauds and the others were not, since they were done on the same site and by the same person? 
I contacted the companies from which the purchases were made and they all informed me that the purchases came from the same person. I reported the fraud to the Federal Trade Commission and then I sent a follow-up letter to Chase Bank. But they said there was nothing more to be done, and that it would not be possible to reopen my case for a new check. 
I no longer have any contact with my ex-roommate, as you can imagine he disappeared, but I have people who knew him and can testify and confirm everything I'm going through. 
They claim that the reason my complaint was dismissed is due to the delivery being made to my address, but they did not take into account that the person responsible for the fraud was meuex-roommate, as he lived with me, so we had the same address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my husband and I were granted a trial payment plan through Penny Mac USA due to financial difficulties my husband and I had endured. I made my first trial payment, and submitted my agreement via fax. We received a letter in XX/XX/XXXX stating that our trial payment plan had been cancelled due to not providing the documentation in time. I called customer service who reported they never received it, and did nothing about it. I then emailed corporate due to my frustrations. They sent me a complaint team member. This team member requested a copy of the fax confirmation which I sent so it could be reinstated. The staff member inquired about jobs, which my husband and I had both lost our jobs and began a job change. She then asked if we defaulted on the trial payment plan which we assumed was yes. We did not continue with our payments due to their mistake and the confusion, and wanted to protect ourselves. Come to find out yesterday, however, she assumed we meant we would have defaulted anyways which is not what I meant. She would not provide me with documentation of saying this either though I have all email correspondence and there is no record on email. At the beginning of XX/XX/XXXX, I communicated with this staff to begin a new application. I never heard back from her for four weeks, and had to reach out first to have the process continue this week. By this point, I had received a deed of trust. She sends the information to the underwriter who informs me to ask for a postponement as I had not received a full paycheck yet, and would not until the end of XX/XX/XXXXand for the mistake. I requested this and it was denied, with my auction set for Monday. None of this would have occurred had my documentation not been lost. They have switched this to put the fault on me when they lost documentation escalating foreclosure. I am so frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had recently discovered my information was used to open a CapitalOne CreditCard account, which i never opened or gave anyone permission to open. I contacted CapitalOne and they removed the account from my credit files, but i believe that the account is still in bad standing with CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am beyond exhausted with all my efforts to resolve this matter with ability recovery services for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery services has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-12
Company: EQUIFAX, INC.
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 have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA they are a fraud they took a bunch of peoples Social Security income and threw us out they have held my daughters income that she gets {$400.00} for my husbands social XXXX of it is mine they have locked both our identities leaving me held XXXX homeless  on the streets. They call coding it out theyll take your money and pay people off in front of you these disgusting people actually take it and they wonder why you sit around and hate them as they freeze you out in XXXX  and XXXX  ATM XXXX we also had renters insurance and we had a lot of claims we were robbed completely XXXX XXXX XXXX, XXXX CA XXXX The whole neighborhood was harassed of course our counterparts our neighbors were XXXX so they all said it was gang members it was actually USAA thinking they could become the XXXX XXXX  they still have California locked up

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