BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
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 am submitting this complaint about XXXX credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is  reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from 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 2017-11-13
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
About five months ago ( approximately XXXX or XXXX of XXXX ), my landlord contacted me to say that I owed rent. He said he had not received the rent check I sent him in XXXX XXXX. I contacted the bank, and they said the check had been cashed. I requested a copy of the check and no endorsement was legible on the copy. I told them the landlord says it did not get the check and asked them to return me the money because apparently the check had been stolen and they had let the thief cash it, even though the check was made out to my landlord and not to the thief. There has been a lot of mail theft from mail boxes in my area. 

The bank told me that it was too late to do anything about it, because the check was from XXXX, however I told them as soon as I found out about the fraud, which was after the landlord told me he was not the one who cashed the check. There was no way for me to know earlier that a thief had cashed the check and not my landlord. 

I have spoken to Apple Bank repeatedly, but they refuse to do anything, which is why I am making the complaint. The most recent time I spoke to them was about two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: JPMORGAN CHASE & CO.
State: MA
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:
on XX/XX/XXXX XXXX reported from JPMCB Home Lending   stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : JPMCB - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : JPMCB - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by JP Morgan Chase Bank, NA to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by JP Morgan Chase Bank, NA. 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but JP Morgan Chase Bank, NA refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There was fraudulent charges to my account and Citi card and the company is charging me for the over drawn balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My name is XXXX XXXX, I 've written letters to Trans Union, in XXXX, XXXX, XXXX of XXXX & XXXX XXXX & XXXX XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed SINCE THEIR SYSTEM BREACH I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXInaccurate Information : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX  XXXX XX/XX/XXXX ( old ) same acct number x 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
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$19000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my 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 2020-02-14
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My complaint is versus Yamaha financila services web site https : //yamahamotorfinanceusa.com/.. account :XXXX I have purchase Jets kins to XXXX  with extended warranty, I paid for this warranty {$1500.00}. 
I traded my jetskis on finals days of XX/XX/2019 so i did the trade with XXXX so XXXX paid the jetskis loans in full in less than 14 days to yamaha financial services .. I purchased this jets skis to XXXX  and they were financed by yamaha financial services.I have been calling yamaha financial services since those days and every single time is a different story and still I don't get my money back yet.. I suppose to receive {$930.00} back. What kind of service they offer, if i don't pay on time I get punished but who is going to punish them in this case.. i suppose to get some money extra for the delay???. Yamaha financial poor service when is time to get your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Dear Team, I have received lot of pre approved/ pre selected offers from below companies in Mail over Last 2 years. but when i applied to them i was denied and it caused me accumulating Inquiries on my Credit report. 

- OneMain Financial XXXXXXXX  XXXX XXXX XXXX- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been on hold with XXXX Bank for over an hour now. I've contacted the company to attempt to confirm if my Partial Claim documents have been received and processed. I was transferred twice before speaking to XXXX in Loss Mitigation. After 20 minutes of being on hold and answering questions as presented in my first complaint submitted today, XXXX advised me that the address I read to her was the correct address to return the paperwork. XXXX further explained that she could not provide me with a number to call the XXXX office to confirm if my Partial Claim documents had been received. 
Further, she explained that she did not know how the process works in XXXX because she works at the XXXX office and everyone there is working from home. I asked XXXX if she could verify the information with someone else. I was then placed on hold for another XXXX minutes. XXXX returned to the call stating that her team lead, XXXX advised her that the XXXX, TX office did not have a phone number for her or me to call to verify the documents had been received. XXXX stated she would call me back with an update but didn't know how even to begin and that I should XXXX to look for the telephone number for the XXXX office? XXXX advised me that no updates show the documents were received and that she could not do anything and did not know where to find the information because her team had never contacted the XXXX, Texas office. I explained to XXXX that I just needed to confirm the documents were received. XXXX asked for my consent to call me back within seven days and that she would research my situation and get back to me within XXXX days. My consent was given - but in all the times XXXX has committed to call me back - I have yet to receive one call back. I will submit another complaint if not callback is received by the 8th business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: RateGenius Loan Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I used RateGenius to refinance my auto loan in XX/XX/2021 and the loan was funded on XX/XX/2021. RateGenius Application # XXXX. 
However, they have not made the title transfer fees to XXXX  until XX/XX/2021. 

I found out there are unpaid fees from DMV and multiple lienholders on my vehicle because I was attempted to sell the vehicle in XX/XX/2021. I have tried to reach out RateGenius and XXXX XXXX. However, my concern was passing in between Customer Service and Title Department and the Department that I have no idea why I got transferred to. End up I got reached out because I posted my negative reviews. 
Then RateGenius trying to blame all the mistakes because of the DMV 's behind and COVID. 
It causes unnecessary expenses to maintain the loan. Such as interest, insurance, and multiple DMV visits. 

XXXX XXXX is been very helpful to address the issue but not RateGenius. 

I m not sure does these Online Agencies do manage by CFPB. 

**email history attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have accepted a settlement agreement with Conn 's XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with XXXX including trying to collect the wrong amount from my account. -- This happened multiple times. 
I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ). 

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED. 

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time. 

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been awaiting my credit of {$220.00} since XXXX of last year when I was instructed by the XXXX customer service department to return all my unworn items by the day of XXXX XXXX, XXXX. I returned the items well before the due date and before the XXXX, XXXX filed for chapter XXXX bankruptcy and closed its doors to all customers. Since the very beginning of this year, I have been in a constant battle with Comenity Bank, which is the bank affiliated with The XXXX and have never received my credit but was required to pay for my entire XXXX Credit card in full! including the items that I no longer possed and requested to ship back in late XXXX when I realized the clothing did not fit. I am furious with this company and have been told that because they are now opening as the XXXX XXXX, the XXXX XXXX  and any issues or disputes concerning them or my account will not and can not be resolved. I think it is utterly ridiculous for the company to expect anyone to pay for something they do not own especially when I was told repeatedly that I would eventually see the credit on my statement after returning the items. This dispute has been going on nearly a year now, I have placed hundreds of phone calls and sent countless emails without any resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Midland Credit Management Inc. Reported an incorrect OUSTANDING debt to My Consumer reporting Agencies, Years ago I purchased a secured credit card from, XXXX XXXX XXXX , by depositing an amount iqual to what I wanted my credit be evaluated for, secure deposit for credit, to establish revolving credit records, Years later I ask the bank to close the account, thinking they will balance the credit card debt, and reimburse what was left, instead the reported or sold the credit to collection agency, reported me to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested a credit investigation on XXXX XXXX. More than 60 days have passed, and I have not received responses yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: MO
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 enrolled in the XXXX XXXX XXXX program and locked my credit after the breach. I went to the website and unlocked my credit and it said it would take XXXX hours. About a week or so later, I tried to have XXXX XXXX XXXX run my credit so I could have an account for their internet services and they said my credit is locked. I got on the website for the XXXX XXXX and it says there is an error. I called Equifax and have talked to 15 different people and no one can seem to fix this issue. They send me back and forth to each other saying I have a lock then the other says no I have a freeze. I can not access or apply for any credit and this is a serious situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
For years experian has my name as XXXX XXXX XXXX XXXX. I am XXXX XXXX a woman. My husband is XXXX XXXX XXXX XXXX. This company is so in component they ca n't even get my name correct. I 've sent in proof so many times its ridiculous now. If they have my name wrong, how can they possibly actually be disputing items I have requested? They have the wrong name. How are they calling these companies with a fake name to verify? They are not, that 's how. They lie and never even dispute anything. I 'm attaching the report I got in the mail today and my license.

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