BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act and XXXX  Account # XXXX, has violated my rights.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]

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 2021-05-04
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: Problem with personal statement of dispute

Complaint:
I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, equifax, XXXX  & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 'm a victim of identity theft someone got hold of my information and try to opened up accounts in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX- Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 623 ( a ) ( 5 )

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 2021-07-20
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XX/XX/XXXX which it isnt. These are from XX/XX/XXXX-XX/XX/XXXXwhen I was a minor. They just recently maid something to my house about this debt as if the phone calls werent enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Client Services, Inc.
State: WA
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:
While going through a divorce, my exhusband stopped paying on the account ending in XXXX even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/2017, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/2017. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The CFPB closed my prior complaint number ending in XXXX due to XXXX a subsidiary of Lake View Loan Serving because it stated that it only acts as the disbursement center of my payments however that is not true. 

This company ( XXXX ), is the only link available to the ME the borrower/consumer. The telephone number given to me by XXXX leads right back to XXXX. There needs to be an investigation into both the parent company and the subsidiary. 

There is supposed to compliance under Dodd-Frank Act to protect the rights and interests of consumers and to be able to contact the actual lender. 

Lakeview and XXXX practices are deceptive. Further, the Company ( s ) is not accounting for my payments correctly nor providing information on how much is being paid to the two different insurance companies or why there are two different insurance companies in the first place that they are paying on supposed my behalf. 

Lastly, XXXX would not allow me to be placed in a loan modification on or about XX/XX/2018.

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 2018-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a victim of fraud which left my accounts negative about {$6000.00} total. When I tried to go into my local branch I was told that the signatures on the bad checks matched my signature. When I did more digging and was actually able to see the fraudulent checks ( the first bank wouldnt show me ) the signature looked nothing like mine. When I called and tried to submit a claim, the bank closed my account and said I still owed them the 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 monetary relief
Consumer complaint received 2021-07-20
Company: Credit Karma, LLC
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened both a Spend and a Save account with XXXXXXXX XXXX through Credit Karma. 

My account has been frozen. I have made 4 calls to a customer service rep ( in XXXX? ) and they can not unfreeze the account. Customer service supervisor stated that I need to provide additional documentation to verify my identity. Yet, I've never received a request through email or regular mail for additional documentation. I don't think they can send me a request through regular mail, because like I said, I think they're in XXXX? 

I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: TX
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 requesting that the items be blocked to correct my credit report. I also request that XXXX/XXXX XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, I'm asked the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries I need to contact the company and I did the company said dispute it with the bureau so I don't know what to do please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a car with XXXX XXXX in XX/XX/XXXX. Since then it has been an absolute nightmare to deal with this company. I fell behind because I am experiencing medical issues. In XXXX I paid the account current. I checked several days later and it said my account was current through XXXX. Now somehow they claim I am a month behind again? I have been making payments of {$400.00} the past TWO months and most recently a payment of {$500.00} and they are still showing that my minimum amount due is {$850.00}? How can that be when my payment is supposed to be about $ 305 month? 

There payment system is atrocious as they do not process their own payments and utilize XXXX XXXX. I have notified these people about a change of address that was effective XX/XX/XXXX and they still process payments on my old address causing the payments to be returned because the address is incorrect. This is ridiculous. I have contacted them NUMEROUS times before with no resolve. Customer service reps are less than helpful and woefully incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Two transactions in the amount of {$360.00} as well as one credit in the amount of {$360.00} show on my old chase account. There should be two transactions and two credits. The second credit shouldve occurred days after the first. Chase filed a dispute on ONE of the transactions as I stated the other had been refunded. They came back alleging the refund was for the one disputed transaction and refused to acknowledge the 2nd charge on that date. I asked for another dispute to be filed referencing the first claim agreeing I already received a refund for one charge but was looking forward the second and subsequent refund for the duplicate charge. Chase has refused on atleast 5-10 occasions today to open a dispute on the other charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Cashing a check I submit power of attorney and certification of endorsement as requested by the bank. 
The manager of the bank kept telling me everything was fine. After several trips to the bank over a two months period the bank told me they will return the check to me. 
The check is issued by Santander and I am trying to cash or deposit the check in a Santander account. 
I have been dealing with the branch on XXXX XXXX in XXXX NJ. 

Check amount is XXXX. 

I explained to them they are causing hardship to my family by refusing to cash their own check. They never explained their action. A branch manager simply said that was their final resolution. Once I receive the check, I will be in possession of a check that is as good as piece of toilet paper. That was hard earned money that was deposited in Santander bank. 
Please advise

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 2018-06-12
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:
XX/XX/2018 - I made a more specific attempt to resolve issue to XXXX  and TransUnion. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit 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 2021-04-23
Company: CITIBANK, N.A.
State: UT
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 is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for Citibank? I have never had an account with Citibank for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period XXXX XXXX remove all negative reporting from my credit file and such deletion letter will be provided to me. XXXX unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that XXXX XXXX remove this account 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 2022-01-07
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: Account status incorrect

Complaint:
I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX contacted me via letter on XX/XX/2017 claiming I had pending debt of {$490.00} with cXXXX XXXX. They had attempted to collect a debt that I was not made aware of that it had gone to collections. I requested them to verify debt and they were unable to verify the amount they are claiming I owe. I would like to get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2021-02-21
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TWO FRAUDULENT HARD PULLS ON XXXX  COMMENITY CAPITAL XXXX AND COMMENITY BANK WAYFAIR

Company response to consumer: Closed with explanation