BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: TN
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:
identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX. this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed XXXX XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XXXX XXXX charge off is not mine XXXX XXXX  opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold an item on XXXX. The buyer paid me through PayPal. I then received a fraud email that I believed was from PayPal stating I needed to send the buyer a money request for an additional {$520.00} and after I received that pending amount in my PayPal account. I then needed to turn around and send the buyer the {$520.00} through XXXX app. This would upgrade my PayPal account to a business account then all my funds would be released from the buyer through PayPal. So I followed all instructions. Except my money was not made available any of it. I called PayPal and they didnt send the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding continues to keep two bogus alleged debts on my credit report for my PERSON. I sent to them professionally and politely both a 15 USC 1692 Notice and Demand to Verify Debt and a request for mutally signed and agreed NOVATION.

LVNV has NOT proven that a legitimate and legal debt even exists, and they certainly have not provided my PERSON with MUTUAL signed novation to  prove legally and lawfully that they have a right to attempt to colect on this bogus and alleged debt. 

I want these items removed. My PERSON will record a LIEN in these alleged amounts plus 3x the amounts and the associated costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I submitted my credit app to XXXX XXXX at XXXX XXXX and told him only submit it to FORD CREDIT ONLY FOR NO PERSONAL GUARANTEE BUSINESS LOAN. He took my app and fraudulently submitted me to tons of banks now preventing me from obtaining credit anywhere due to HIGH AMOUNT of inquires. This is anti trust and Ford is offering other companies with similar credit to my business loans. Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. I never gave permission to send application anywhere accept Ford. And ford forced me to go to dealer to submit commercial application. They are responsible. Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer financing fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms. Please see attachments for XXXX XXXX Whom ford never had permission to Submit credit to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX XXXX  account number XXXX and the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, 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 2018-06-14
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from XXXX XXXX but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Underwent Foreclosure process back in XX/XX/XXXX and got a Loan modification under the Act 91, but due to other debt obligations ended up having to file Bankruptcy. During this course of Bankruptcy recently was discharged and I recently contacted DiTech ( partner with Green Tree Servicing LLC )  to request No Doc Loan Modification ( XX/XX/XXXX ) to enter into a new mortgage agreement and continuing paying in a timely fashion. But after continuing to contact them on a weekly/bi-weekly basis ... no one can provide details on my Loan Mod status ( called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). In the interim, I received Foreclosure papers in the mail that a Civil Compliant - Mortgage Foreclosure was filed by XXXX XXXX, Counsel ( XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) for Green Tree Servicing XXXX on XX/XX/XXXX ... which had the same exact documents filed from the original XX/XX/XXXX filing. 

They ignored my intention to undergo a Loan Modification and/or at least file with updated documents from current Loan and payments made ( from XX/XX/XXXX thru XX/XX/XXXX ).  Being in a much better position than in XX/XX/XXXX ( financial status and mindset ), and having made payments consistently through the Bankruptcy court system ... you'd think that they would prefer to re-enter into a new agreement, sale the loan and keep it moving ... instead of inducing all extra cost of filing for Foreclosure all over again. 

I am distraught, and all I am trying to do is regain a foot hold on my mortgage obligation and re-establish

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times. I sent XXXX XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Credit Collection Services : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I transferred {$1400.00} through XXXX on Chase app to a stranger`s XXXX account XXXX, because this recipient friended me through a second-hand-stuff deal group on XXXX and claimed to exchange currency with me, but the recipient didn`t send the money back. The scammer blocked me and I only know his XXXX account, which is very easy for XXXX and Chase bank to investigate. The transfer status showed " Pending '' on Chase app for 24 hours and it was debited from my checking account. I called Chase 4 hours before the pending ends and I trusted the bank to be able to define the transfer as unauthorized transfer according to Regulation E, and the assistant said he would freeze my transfer and investigate the recipient. On XX/XX/2022, I received the bank statement and found that the bank didn`t freeze my transfer and he only froze my online access for 10 days. I called the Chase again, then another assistant said Chase wouldn`t do anything or investigate the recipient only because XXXX was a real-time transfer tool. I required Chase to investigate the recipient and provide the recipient information to the police and this requirement was not replied properly in that phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have already submitted a complaint about this but have not received a satisfactory response from Chase. 

We closed lated. PERIOD. And the response was that it was our fault that underwriting didn't have the full package from us when there was NO PHYSICAL POSSIBLE WAY for us to submit documents that WEREN'T REQUESTED or when our PORTAL DIDN'T HAVE TASKS TO SUBMIT. 

Chase stalled the process and then blamed it on us for not PREDICTING what documents they needed? 

What does the Closing Guarantee guarantee? Because we closed late. So an on-time closing was not a guarantee. Sad that this is how Chase treats their clients. We did everything that was asked and did it promptly, we closed late because it was Chase 's fault, but Chase thinks it is our fault that they didn't get the " complete package '' from us. What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Their investigation did not fix an error on your report

Complaint:
Despite being coded as " affected by natural disaster, '' XXXX XXXX continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to XXXX XXXX and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
my accounts with capital one were on auto pay in XX/XX/XXXX XXXX XXXX and XXXX of XXXX i have late payments on my report there was an issue with the payment processing and i reached out to the company to have the issue corrected these late payments are negatively impacting my ability to get a mortgage or an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked to go into my XXXX credit card account and see that I have " XXXX '' open to buy. They took my account from {$900.00} credit line to {$0.00} without notice or explanation. I have a credit score of XXXX and have NEVER had a late payment. I reached out to customer service via email and they simply stated that they needed my permission to review my credit report to reinstate the credit line. Well, they certainly never contacted me to see if they could review my credit report to lower the credit line. 

By law they can review accounts periodically to assess the account and adjust the credit line accordingly ; however, they could not have followed the regulation in the matter of account assessment to have acted as they did. 

By lowering the account credit line to " XXXX  '' they had a negative impact on my overall XXXX XXXX. I do not need the account, and {$900.00} is paltry in comparison to my major credit card lines of credit. It is the fact that they arbitrarily decided to impact my credit scorXXXX, without consideration of the regulations that are in place to assess accounts. They do not need my permission to review my credit score to evaluate an open account on their books. They have a " permissible purpose '' to do an account periodic review. 

I had them close the account so that it would report as " Closed by consumer '' in order to save my credit history and score from being further damaged by this abhorrant action. If I did not have as high a credit score, had it been perhaps a XXXX instead of over XXXX, this could have impacted much worse and any loans sought would have resulted in higher interest, or even rejection of a loan. This type of behavior has to be addressed within the regulations on the books. 

Again, had they did a legal review of accounts, it would not have resulted in a reduction in my credit line, damaging my score and causing me to close the account. Ridiculous that they do not follow the regulations and guidelines for 'permissible purpose ' and periodic account review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: AL
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 disputed this account on several occasions with XXXX XXXX & Experian. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.

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 2019-01-14
Company: Sterling Infosystems Inc.
State: MI
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 belongs to someone else

Complaint:
I had a background check run by XXXX XXXX XXXX. Two additional names appear on my report that are nothing close to my own, and have never been a previous name or legal alias that I have used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Westlake Services, LLC
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: Information is missing that should be on the report

Complaint:
I acquired a loan in XX/XX/2016 from Honor finance. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it Honor finances warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by Westlake portfolio they unexpectedly readjusted the terms set by Honor finance. Westlake portfolio forced me to.pay the deferred payments plus penalties in addition Westlake portfolio removed Honor finance from all three credit bureaus I called Westlake portfolio to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: RAS LaVrar, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/XXXX RAS LAVRAR LLC, went into my daughters account and put a legal order debit on it, I have a XXXX XXXX Bank. My daughter is XXXX years old and she's the primary account holder I'm just the co-signer because she's a minor. This company said that they sent me to court and I had not received any notification and this is not right. I'm currently living on XXXX XXXX, XXXX and that account I had it open in XXXX, XXXX. I opened it up on XXXX with XXXX XXXX XXXX  and this account I closed it on XXXX. I really need help because I don't think this is correct and something is wrong here and this company haven't try to do anything either to contact me or help me to resolve this matter. I spoke with XXXX ext XXXX, the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I lost my wallet. I recently checked my credit report and saw may request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.

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 2020-02-05
Company: ONEMAIN FINANCE CORPORATION
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: Account information incorrect

Complaint:
One Main Financial currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation