BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 2023-09-01
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Last week I called them because they took a double payment out for the previous month in XXXX so then I asked them let me to control the payments so that doesnt happen again. The lady read me and opt out ACH script and this morning when I logged into my account, the payment still came out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a account on my report I do not recognize

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 2021-01-24
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender ( https : //www.myloancare.com/ ) has not paid property taxes from the escrow account. I have raised 2 tickets with the lender with the tax bill attached and called them 4 times in XX/XX/2021. They do not respond to the online tickets and on the call I get a different response every time. 

The tax deadline is XX/XX/XXXX and I am concerned they will not pay in time and I will be stuck with the penalty as well. 


I have attached the receipts for the 2 tickets I have raised with the lender and the tax bill.

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 2021-01-24
Company: EQUIFAX, 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:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

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  XXXX XXXX XXXX  These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My statement for XXXXSynchrony Bank account ending in XXXX shows a {$1200.00} interest charge on XX/XX/17. The agent stated that once the promotion was up, I was charged interest for the full previous year. I've never heard of this. Usually your promotion is up and interest STARTS at the month the promotion ends. So i had a $ XXXX balance and was charged {$1200.00} in interest?

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 2019-07-09
Company: EZ FUNDINGS Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, this person is marketing himself as a licensed loan officer or " team lead '' with " EZ Fundings '' When I tried to look him up on nmlsconsumeraccess I actually do not believe he is licensed. Please see this image : https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I looked him up by name and NMLS # he has posted. It does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Multiple address that is incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account with Simple, which used Compass Bank as the bank partner. On XXXX XXXX, a garnishment was placed on the account, and the account was locked. On XXXX XXXX, a deposit was denied due to the locked account. In second attempt, on XXXX XXXX, that deposit was allowed. Now the deposit is being held by the bank. This money is not supposed to be in the account in the first place. Simple refuses to release that money. If the account is locked, how can a deposit be accepted? 

Simple refuses to help and refuses to admit their error. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried numerous times now to dispute with Bridgecrest the inaccurate reporting of data to my credit reports. As of today they continue to violate the FCRA and I intend to seek damages if these accounts are not deleted asap, I currently owe Bridgecrest no money so I have to take the continued reporting of incorrect information as an attempt by Bridgecrest to defame and slander with the intent to prevent me from getting credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On this day, XX/XX/2023 I found mail addressed to my name with a savings account debit card in my name established with Chime banking. I called customer service and told them the account was opened fraudulently and they closed the account this same date, and sent an email confirming its closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company has acted against me ( consumer ) with malice, shady and unfair practices, without due process and notices. It was a surprise to me that my mortgage company paid XXXX XXXX taxes : the date to redeem this is XX/XX/2020. I was aware and planning to pay off my taxes. Without my due knowledge and information, the taxes of {$12000.00} were paid in XX/XX/2020 by the mortgage company, from my escrow account of {$0.00} balance. Since then, no notice, information, or communication has been provided to me on how to manage that tax payment. My request for forbearance due to COVID-19 was approved, beginning XX/XX/2020 for 3 months, in an acceptance letter dated on XX/XX/2020 ; this letter clearly mentions my terms, to pay {$1100.00} per month. It is unethical and also could be illegal to raise my payment from {$1100.00} per month to {$5800.00} per month ; a raise of 518 %. It is a violation of Consumer Protection laws by not warning the borrower ; it is a tactic and a game play to inflict hardship added upon this COVID-19 crisis to the consumer. I received a second notice in regards to forbearance acceptance, dated XX/XX/2020, confirming for a second time my regular payment amount of {$1100.00} was beginning XX/XX/2020, for 3 months. I received a XXXX notice dated XX/XX/2020, that my monthly payment would be {$5800.00} per month, beginning XX/XX/2020. It is a clear violation of several laws, particularly the Truth in Lending Act ( TILA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Chime Financial Inc
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:
I have had several disputes filed on purchases that were not mine over the past almost 3 years i have had several new bank cards sent just this year alone and transactions unauthorized and not mine right after the cards are activated. The last few complaints date from XXXX 2023 for purchases from XXXX, i have asked them to deny any charges from XXXX  they have let them go through and deny all the disputes. I ama XXXX XXXX and my check is direct disposited each month the charges are between {$60.00} - over {$200.00} a month. I have requested the documentation on their investigation but nothing ever gets sent. Im going to close my account the charges just from XXXX a month are not being resolved and i feel they do not do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AL
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:
There are multiple errors in my report. You are reporting an account from XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX. These accounts have been disputed as inaccurate. XXXX/XXXX XXXX   opened fraudulently and then sold to XXXX XXXX. I have provided a letter from XXXX saying they told you to delete this incorrect account. XXXX and XXXX XXXX suggests they were sold to bankruptcy ch XXXX, XXXX, or XXXX yet there is no bankruptcy on my report. Please delete these accounts as soon as possible. Also please delete this inaccurate address that does not belong to me Attached are the letter from XXXX and my credit report with highlighted incorrect 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 non-monetary relief
Consumer complaint received 2019-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, we initiated a credit dispute through " Chase 's Credit Dispute '' process. 
The amount disputed was {$150.00}. 

Chase representatives ( multiple individuals ) within the process failed to " read or thoroughly identify/investigate the dispute facts ''. We sent 6 emails to the department for the dispute process followed by unnecessary and tedious phone calls they initiated in opposition to actually reading the information sent. We sent photos and copies of email correspondence between buyer and seller. We finally sent a highly delineated hardcopy letter to Chase on XXXX, identifying the initial problem again and underscoring that Chase was failing to actually READ the informational facts surrounding the alleged investigation on their part and furthermore as " clients '' we were unclear as to both delay in resolution and the delineation of the " amounts charged and credited '' historically on this purchase. We further indicated that UNTIL THIS WAS CLARIFIED we had no intention of closing the matter on our end. 

Following this letter/request on XXXX, we received an update via USPS in direct opposition to our formal request to be notified by " email '' indicating that we requested to be notified by mail. The reason that this last information is relevant is that it indicates the lack of attention and it was also following an unauthorized credit or charge back to the original company in dispute = {$90.00} ; which is unaccounted for by any mailing. 

Sufficed to say - We have exhausted our ability to deal with Chase because this is not the only occurrence of their " failure to perform in accordance with their agreement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Account status incorrect

Complaint:
I received an updated credit report today XX/XX/18 from XXXX now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my 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 2020-07-20
Company: Home Loan Center, Inc.
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:
Went through the signup process at lendingtree.com to receive a quote for an auto loan. 

There is a 10+ page process to this, and around page 6 they quickly flash a consent form where they've conditioned you to not look. 

At no point did I have to check a box, or read through and agree to the sharing of my information with a third party. It was implicit in me filling out the form. 

I believe this is against the spirit of the GLBA if not outright illegal. 

In addition, they refuse to delete my personal information and don't seem to have any means to undo its sharing. 

Without my explicit consent, they have permanently and intentionally caused a breach in my financial privacy for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Heights Finance Services is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I joined Experian to run a credit report for all XXXX bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the XXXX bureaus, however, Experian and XXXX both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' XXXX even states that I had a serious late payment XXXX year and XXXX month ago, however, they could not tell me which account it was. 

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those XXXX bureaus. 

I have attached the XXXX reports and a screenshot.

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 2020-07-20
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is not 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 explanation
Consumer complaint received 2020-07-20
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:
XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2023-09-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I received notification that a Collection was placed on my XXXX Credit Report. " XXXX '' put this collection of {$560.00} on my Equifax and XXXX XXXX XXXX as well. 

I have not spoken to anyone from XXXX in person, via phone, written correspondence or by electronic communication about this debt. Nor have I received a Validation Notice.

I sent a letter stating my rights under FCRA 15 USC 1681 to XXXX, Equifax, and XXXX requesting the removal of this item, to no avail.

Company response to consumer: Closed with non-monetary relief