BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I have a Chase Card issued to me by Chase Bank. The account is currently closed with a balance. Due to job layoff, I enrolled the card in a special payment program, which gives the card a fixed rate with a fixed monthly payment so it can be paid off faster. 

I have done this with 2-3 other creditors, and they were also successful in reducing my rate and payment. 

However, with this particular Chase account, Chase is reporting that I am under a " partial payment agreement ''. That is what the remark states on the account on my credit reports. 

This comment is incorrect, and is halting my mortgage process. My attorney and mortgage lender state this is an inaccurate comment, the account is still being paid in full with the balance I had remaining on the account. The reduction in interest rate would obviously lead to a lower monthly payment. The reduction in interest rate does not suffice to be labeled as " paying under a partial payment agreement '' Other creditors I have done a similar program with, have not reported any sort of comment on my credit report. 

Chase has been the only creditor that have reported the comment. 

This is halting my mortgage process, this needs to resolved or my next course of action would be to have my attorney reaching out to Chase regarding the ambiguous comment on the account listed on my credit reports. This is also causing damages to me financially as I am not able to obtain a mortgage note. 

I have attached reference of how the account looks on my credit report with the stated remarks I have mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts were not open personal by me I have no knowledge of these accounts on my profile XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2020-07-13
Company: Lennar Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a first-time home buyer, with no realtor and my spouse was overseas when I handover a {$15000.00} deposit on XX/XX/2020 to Lennar and signed a purchase agreement on XX/XX/2020. I felt being pushed to sign it without explaining the consequences of my action considering that I don't have a realtor & my spouse was overseas. 

The mortgage company is Eagle Homes and I was conditionally approved but the conditions was not explained to me and they are not returning my call for an explanation. 

Due to covid 19 my financial situation has changed ; my mom can no longer help me with the down payment as she needs to help her other families affected by covid 19. In addition, my employer started to require us to contribute for our health benefits. For this reason, I have sent an email on XX/XX/2020 to Lennar to cancel as I can no longer afford to purchase the property. 

I have been following up with the refund of my down payment and ended up being stressed, XXXX  and end up being in the Emergency Room on XX/XX/2020 because I have been told that I can't get my deposit back being conditionally approved but my situation has changed and can longer meet the conditional approval. 

On XX/XX/2020, I just notice a notification that the contract was voided, and I raised a question to Lennar and they said that the contract was cancelled on XX/XX/2020. I was not even informed that the contract was voided XX/XX/2020 and while checking on the docusign that that Lennar will keep my {$15000.00} deposit. 

I was so stressed during this process and on XX/XX/XXXX I had my follow-up appointment with my Family Doctor and ended up having XXXX XXXX XXXX to help me relieve from my stressed so I can still take care of my XXXX ( XXXX ) kids. 

I felt being mislead and defrauded. 

I need help to get my {$15000.00} deposit back.

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 2020-07-13
Company: Duvera Billing Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE DISPUTED THIS DEBT WITH THE CREDIT BUREAUS AND THE ACCOUNT SAYS CLOSED BUT IT IS STILL SHOWING ON MY CREDIT REPORT, THIS ACCOUNT IS NOT MINE I NEED IT TO BE REMOVED FROM MY FILE PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-10-16
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southern Management Company nor XXXX XXXXXXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. Southern Management Systems contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX  for the accuracy of this report. It has been 2 years since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand for this inaccuracy to be removed from my report and to notify Southern Management Systems and XXXX  XXXX of their discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX XXXX XXXX XX/XX/XXXX. The pink slip says my payments are {$270.00} for 72 months. I borrowed {$11000.00} and my interest was {$8700.00} making my total payback {$19000.00} which is {$270.00} for 72 months. I have had a lot of late fees added on to my account but what I don't understand is that I have added up all that I have paid them and I have looked at my account with them. Records show that I have paid {$6200.00} in principal and I have paid {$14000.00} in interest. Which totals {$20000.00} As of today, I still owe {$4900.00}. I don't understand. I have tried to call them to have them explain it to me but no one will take the time. I have paid well over what my wife and I signed the pink slip for. How does that work? Their phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax reported derogatory credit to XXXX.. There is no negative information on my account with any credit reporting agency. Equifax refused to get me a supervisor or give me any information about the information that was reported, would not give me a copy of the report that was sent t XXXX. I have been denied a credit card based on their info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Tally Technologies
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: Their investigation did not fix an error on your report

Complaint:
A creditor is reporting on my credit report late payments every month from XX/XX/2021 to now XX/XX/2021. In XX/XX/2021 that reported an on time payment. I pay my bills on time every month and need these negative accusations removed from my credit report. I have not heard anything from this creditor or had a current bill that said i was late or that I owed money.

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 2020-10-20
Company: Experian Information Solutions Inc.
State: NJ
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 am a XXXX at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Previously sent a dispute about credit inquiries on my TransUnion account XXXX XXXX inquiry date XX/XX/XXXX type banks and XXXX XXXX XXXX  phone number XXXX XXXX and XXXX inquiry date XX/XX/XXXX type banks and XXXX XXXX XXXX phone XXXX are not mine and are not valid reported that these inquires and not valid reported the issue to TransUnion and they could not verify how or what what this information was verified these inquiries where not done by me and I would like these two inquires removed immediately these are no on any other reporting agency and i request removal if the can not give me there method of verification within the allotted time

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 2019-03-26
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was advised that I have two repossessions on my credit report. One of them was with Honda Financial in which my father was the co-signed for me. He paid the debt in full in a month or so in XXXX. I was not aware this was on my credit report. 

Secondly, I had an automobile financed with XXXX XXXX XXXX that was paid off in XXXX. They attempted to reposes a vehicle I had with them but I caught up the payment and they withdrew the repossession order. They car was later paid off by the insurance company due to it being totaled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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:
I am requesting that XXXX delete and remove this fraudulent account immediately from my Equifax credit report. Someone opened this account in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Bridgecrest issued my car loan with a XXXX % APR. The contract is simple interest. They do not send monthly statements. I have to call in and request a payoff quote plus the history of payments. In this history I see that despite being up to date with payments the amount of the payment applied to interest increases each month. Even when I pay earlier than the due date almost XXXX percent of the payment is going to interest. I last contacted this company on XX/XX/21 and the representative could not explain why my interest rate is higher even though the total loan amount is lower.

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 2023-01-13
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: Old information reappears or never goes away

Complaint:
I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/20XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$03.00} Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First this debt from National credit Adjusters was applied to my credit report. This is not a debt of mine Ive been a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: AZ
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:
I ordered an airline ticket for my wife in XXXX from XXXX XXXX and due tho the corona virus had to move the flight up from XX/XX/XXXX to XX/XX/XXXX, at the time XXXX XXXX would not answer any calls and no way to get a hold of them except for my wife to drive to the airport and change it personalty, which she did with me on XXXX and i had to pay a change of ticket fee which i did, After she flew, XXXX XXXX charged me for a second ticket, In which I started a dispute in XXXX. Best Buy Citi Bank started the dispute but the charge was re entered on my balance 2 weeks later, i called and again and they turned it over to fraud cancelled the card and sent me a new XXXX, XXXX week later the charge showed up on my new card I called fraud, they cancelled the card and and issued me a new one. The charge showed up again on the new card and after many calls to fraud, they apologized and said it was not a fraud and transferred it back to disputes again, this is 3 months after the fact now, no less than 35 calls to disputes the new dispute was never filed and after 3 calls to supervisors they assured me the dispute was filed. I cancelled the account due to frustration. The charge showed up on my balance again and after 10 more calls to employees and supervisors I was told they filed the dispute on the old card and not the latest card by mistake and they would file the dispute on the latest 2 cards. This never happened and the charge still showed up on my statement. No less than a total of 65 calls to Best Buy customer service and the next to the last call 17 days ago assured me the dispute was filed,. The amount plus late fees was still on my closed account and on XX/XX/XXXX I called again and was told the case was closed and I owed the money and that was that, On the same day a late payment was added to all three of the credit reporting companies ruining my perfect credit score, They refuse to help me any further and I lost a home purchase because of the 77 point score drop of a {$46.00} late payment. I immediately paid the whole amount am told this late payment will be on my report for 7 years ... .Please help

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

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 2021-05-06
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:
I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies Equifax, XXXX and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX I printed my free credit reported and noticed several fraudulent accounts opened and reporting information that I did not sign up for. I immediately reported the fraud to XXXX XXXX and created a report. The theme with the fraudulent accounts is they were all opened online during the pandemic. 

Listed below are fraudulent accounts and inquiries. 

1. XXXX  XXXX - {$730.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 2. XXXX XXXX XXXX  - {$480.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 3XXXX - {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 4. XXXX - {$2200.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 5. XXXX XXXX XXXX- {$1500.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Hard Inquiries : 1. XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired XXXX, XXXX 3. XXXX Inquired  XX/XX/XXXX 2021

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