BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-29
Company: Filo Mortgage, L.L.C.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FILO Mortgage NMLS : XXXX not willing to honor pricing shown on XXXX XXXX XXXX and attempting to bait and switch. Showing a note_rate//APR//Fees of 3.99 % //4.003 % // {$390.00} but then via email only offering 4.00 % //4.222 % // {$6300.00} which is a huge difference in price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Eviction notice from 2015  submitted in two formats -- eviction notice and {$4600.00} owed by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: SC
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:
Macys DSNB is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had late payments on my past mortgage with XXXX XXXX  XXXX XXXX in XXXX two of them. I sold the home on XX/XX/XXXX. I asked Transunion to remove the late payment as it was affecting my credit rating/score and they said they could not. They advised me to have XXXX XXXX XXXXXXXX remove it from my account. XXXX XXXX XXXXXXXX advised me that they are only reporting what happened during the course of the loan by law and that they can not remove those late payments from the account which I understand. I went back to Transunion and they said that XXXX XXXX XXXXXXXX can write me a good fate response in regards to those late payments. XXXX XXXX XXXX said they do not write good fate statements for this type of request and that all the credit bureaus know this. I went back to Transunion and they advised me to contact you guys ( CFPB ). I have been at this since the last week of XX/XX/XXXX trying to have Transunion remove this late payment from their record since the loan was paid off in full. They told me that this late payment is set to be removed in XXXX. My argument is since the loan was paid off in full, no foreclosure or bankruptcy why keep the late payments on my report for 6 years.

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 2017-11-07
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to received a voice recorded message from an XXXX XXXX on behalf of XXXX XXXX. Note, I have never step foot in this facility nor have I ever signed up for membership or even inquired about their services. I receive calls 5 to 10 times a week from this number XXXX with the same recorded message that state ; " Hello this is XXXX XXXX calling on behalf of XXXX XXXX with an important message regarding you membership I am with ABC Financial the billing company for XXXX XXXX I 'm trying to contact you one final time regarding your fitness membership account. It 's extremely urgent that you contact my customer care division at XXXX to resolve this matter! Again, this is XXXX XXXX from ABC Financial calling with a final attempt to contact you to resolve an issue with your  XXXX XXXX account. My customer care division is available to help you. This is an URGENT matter however, time is running out please call us at XXXX Thank you for your prompt attention to this important matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, I reviewed my credit report through my checking account and saw that my credit score had decreased. After further review, I saw the company CRM al known as Credence Resource Management reported I had a past due balance for XXXX  without verifying whether the debt was actually mine. I reported this to the 3 credit bureaus, the identity theft department of the FTC and fraud department at XXXX XXXX XXXX XXXX XXXX XXXX removed the derogatory mark from my credit report in XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Credence Resource Management in response to my request to verify. The account is inaccurately linked to me. I never opened a XXXX account for service nor am I affiliated with the address ( in XXXX, Texas ) linked to the services installed that are past due. I am a victim of identity theft and as such I have opened another case with the FTC/XXXX. I also contacted AT & T again regarding this matter and I have fraud alerts from XXXX, XXXX and XXXX and credit freeze on my credit report. Credence Resource Management has not performed due diligence in verifying the debt is actually mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PLEASE REOPEN MY ACCOUNT. 
I NEVER CLOSED IT. 
EMAIL : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Legal expenses not reported and collected ( XXXX and XX/XX/2016 ) for {$400.00}. Insufficient funds charges, other charges and title cost not reported and charged for {$55.00} ( XXXX and XX/XX/2016 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have contacted Chase fraud division every day for a week for unauthorized fraud charges, yet they continue to allow the charges to be paid, then I have to get the vendor to credit my account as Chase has done nothing to stop the charges or refund me. I have given them 5 screen shots of the person who is doing it and Chase still has not done anything to stop this person and the charges continue every day. I want all the fraud charges removed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX FL issued a Buyers Order ( attached ) as relating to the purchase of a NEW XXXX XXXX XXXX automobile pursuant to a request by Bank of America 's Auto Loan Division. Bank of America based its decision in financing the above mentioned automobile based on the aforementioned Buyers Order. While the mileage of the automobile was XXXX miles at the time of delivery, the Sales Embassador of XXXX XXXX XXXX XXXX XXXX XXXX advised us that the vehicle had that mileage because of the extensive testing on the track in XXXX and the occasional miles put on during test drives as the one we had conducted. 

A letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, Senior Client Services Executive XXXX XXXX XXXX clearly states the following : XXXX XXXX XXXX 's demo vehicle and was originally registered on XXXX XXXX XXXX XXXX. 

Had I been made aware of the fact that I was negotiating / purchasing a DEMONSTRATOR automobile I would have had the opportunity to make an educated decision based on facts surrounding the transaction. 

The fact that I purchased a Demonstrator automobile unknowingly has caused a financial burden as I believe the car was not and not represent the correct values. 

I purchased a Demonstrator / Used / Registered automobile which had a delivery date / Warranty Start Date of XXXX XXXX, XXXX. The Manufacturer Warranty of 3 years Unlimited Mileage was also reduced by 4-1/2 Months. 

Bank of America was defrauded here as well, they may not have loaned the monies had they been aware the automobiles history.

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 2017-11-07
Company: Frontline Asset Strategies, LLC
State: WY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was contacted by a representative of Frontline Asset Strategies about a debt owed in the amount of {$1000.00} for our XXXX XXXX account dating back to XX/XX/XXXX. So I am not sure what this bill is for. We were getting foreclosed on at the time and were able to do a loan modification and not loose our house. Our home loan was taken over by XXXX. I thought all the debt was taken over by XXXX. Frontline can not tell me what the bill is for, only that it is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Event : XXXX I had a mortgage company check my credit. They made a single " hard '' inquiry thru XXXX XXXX XXXX... .which was approved by me to do. My issue is that i have a membership with Experian online ... and i had a XXXX credit score before the inquiry ... and they dropped me XXXX points to a XXXX after the inquiry. Nothing else changed on my credit. I have 4 open accounts and am never late with payments. I called Experian twice and the reps said they agree ... ..a lot of points for a single inquiry ... .but they can not help ..because it is controlled by an algorithm they can not access or change. I was about to trade my car in... but this drop in score will adversely affect my interest rate now. 

Respectfully

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 2017-11-07
Company: DISCOVER BANK
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:
I pulled my credit report today to find out that XXXX XXXX had pulled a hard inquiry on me in XXXX XXXX 2016. I have never applied for a discover card. I just spoke to them on the phone with their risk dept. I gave them the date of the inquiry and my personal information. They tell me that they have no record of e or an application from me. I am a small business owner. these hard inquiries have a lasting negative effect on my credit score. I want this inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Consumer Portfolio Services, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth in Lending ACT. CPS didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. 

I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX

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 2022-03-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good afternoon, I am submitting a complaint against the student Loan Company Nelnet who serviced my student loans from XXXX to XXXX while I attended the University XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. During my time as a a student at XXXX XXXX, I was never informed of possible Loan repayment options such as Income Driven Plans or the Public Loan Forgiveness Program, which has been on the news under President Biden 's administration. Millions of students are drowning in student debt according to recent stats. US student debt has increased to trillions of dollars due in part for predatory practices used by student loan companies such as XXXX, Nelnet, etc. 

I worked full time for XXXX XXXX XXXX Department of Public Health in XXXX XXXX XXXX as a XXXX XXXX in XXXX from XXXX to XXXX. XXXX XXXX XXXX Department of XXXX is a non profit, XXXX organization, which could have qualified me for the Public Loan Forgiveness, yet Nelnet did not provide with this is information. I worked there from XX/XX/XXXX to XX/XX/XXXX, yet I was never enrolled in the XXXXublic Loan Forgiveness Program or Income Driven Plans by Nelnet. If I had been, I would have qualifying payments under the Public Loan Forgiveness Program to get student loan forgiveness at this point.

I am the first one in my family to attend higher education. I always relied on my loan company to advise me the best it was possible regarding repayment options, but it looks like Nelnet did quite the opposite. Therefore, I ask for Nelnet to review my case. My time worked for a non profit organization should not be forgiven. Nelnet needs to be accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: WELLS FARGO & COMPANY
State: FL
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've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which Wells Fargo rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.

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 2017-11-07
Company: EQUIFAX, INC.
State: MO
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 WAS AFFECTED IN WITH THE EQUIFAX BREACH. MY INFORMATION WAS COMPROMISED. MY NAME, HOME ADDRESS, DOB, SSN, EMAIL ADDRESS, PHONE NUMBER, CREDIT CARD AND DEBIT CARD INFORMATION, ALSO MY IRS ONLINE ACCOUNT WAS ATTEMPTED TO BE ACCESSED ON XX/XX/XXXX, ACCOUNT WAS LOCKED DUE TO UNSUCCESSFUL ATTEMPTS ( 3 ). I HAVE HAD TO CLOSE DEBIT/CREDIT CARDS DUE TO UNAUTHORIZED CHARGES. I MAILED EQUIFAX A LETTER WITH FTC REPORT ETC 42 DAYS AGO AND JUST LAST WEEK ON XX/XX/XXXX I RECEIVED A LETTER FROM EQUIFAX ADVISING THAT I WAS COMPROMISED AND MY CREDIT CARDS WERE ACCESSED ETC. I FEEL IF I DID NOT SEND THAT LETTER THEY WOULD HAVE TAKEN THEIR TIME TO SEND ME THE LETTER ADVISING OF MY INFORMATION BEING COMPROMISED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: NY
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 no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX  XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXK XX/XX/XXXX {$540.00} XXXX  XXXX XXXX  XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief