BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been submitting multiple disputes to these companies since XX/XX/2022, and they have not addressed the accounts that do not belong to me that are continually reporting on my credit report. 

They have continuously " updated '' the accounts. Their website results are the same and their online system doesn't allow me to submit any more disputes regarding these fraudulent accounts that don't belong to me. 

I have called the credit bureaus regarding the accounts that are not mine and their response is the same, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have requested a copy of what these companies have provided to them that certifies these accounts belong to me, but they won't release such 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 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.

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 2018-09-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/18 I was set to settle on my home. Chase Bank ( Short Sale Bank ) did not send final disclosures until XXXX this morning. The Short Sale Bank found seller short in payments by {$850.00}. The seller stated they could not pay this at this time since they were never told it was owed. Short Sale Bank came back to the buyer and not only included {$850.00} into new closing disclosure, but attempted to decrease seller assist ( promised in contract, which took over 9 weeks to get signed by bank ) by {$1400.00} on top of {$850.00}. The bank is terrible to reach, does not correspond within a reasonable amount of time, and is committing fraud by going against a signed contract.The Short Sale Bank ( Chase ) was asked for weeks to send their part of disclosure for costs and should not have waited until date of settlement. Buyer has already arranged for appliances to be delivered, painter to come in, and rented a moving truck. You can not expect the buyer to pay almost {$2000.00} more than what was promised the day of settlement and breach the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Titan Revenue Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had asked this company for debt validation which I never received I found out about them through my XXXX report and then after I tried to make an offer and would not budge to the amount that he asked me for he said that he would make sure I would never get a discount from the company again and would make a note of it and would be sure I'm gon na pay what he says becuase he knows I was for sure trying to take care becuase I needed credit which was false not sure how he is going to speak on what I'm going to do. On top of all that the few times I did have contact I was never verified or mini XXXX he never verified to make sure it was me with my ssn or my date of birth he never told me it was an attempt to collect a debt or etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian Report Confirmation number : XXXX Uploaded Letter dispute, sent notarized certified dispute letter to Experian on XX/XX/2017, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 1.  Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Amount showing is incorrect. There is a fee listed for a carpet replacement that didnt take place, no records or receipts were show when i asked for physical proof, verification, not just validation.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-04-07
Company: ACIMA CREDIT, LLC
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a job offer via email from a representative claiming to be XXXX XXXX, vice president of marketing/sales for XXXX XXXX XXXX, a manufacturing company based in XXXX, Kentucky. After accepting, I received a check on XX/XX/XXXX in the amount of {$2900.00} to cover my first month 's wages, and I immediately deposited the check into my bank account. The following day when the check cleared, I was instructed to withdraw {$2500.00} and purchase several money orders from the local post office, and to deposit them into the account of a Chase Bank customer, XXXX XXXX XXXX, whose account number is XXXX. I was told that the funds were for one of the company 's clients and would be used for a new construction project. On XX/XX/XXXX, I was notified by my bank, XXXX, that my account had been overdrawn due to the check being returned unpaid. I immediately contacted XXXX to obtain a copy of the counterfeit check to take it up with the issuer. I asked why they didn't hold the check until the money was there, but they told me that their policies dictated that I was solely responsible for the loss on my account. I then proceeded to the post office with the money order receipts and serial numbers to ask if I could cancel the money orders, but they told me that I couldn't do that without the actual money orders, which by this time had already been deposited. Then I went to Chase Bank to see if the money orders had already been cashed or if I could cancel them, but I was told that my request was in violation of their customer privacy policy despite the fact I had reason to suspect that one of their customers was a cyber-criminal. My complaint lies primarily with XXXX, for not holding the check until the funds were available.I am aware that federal law dictates that banks must make funds available one business day after the deposit, but this leaves a massive loophole for criminals to take advantage of honest banking customers. My secondary complaint lies with Chase Bank for not allowing me to cancel the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2018-12-12
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:
Contacted Equifax back in XX/XX/2018 with reference the XXXX XXXX XXXX XXXX to investiagte the accolunts that have inaccurate information on the payment history. This is a paid colllection but yet reports as unknown on pay status? When XXXX  reports it as paid. How can it be different? I received a letter, but nothing was changed. I've waited to see for any changes but still is the same. 

The other concern is on XXXX collection account. Also it is a paid collection but shows unknown in the pay status and also show I failed to pay on a collection? Yet XXXX reports it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: OH
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:
the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX  XXXX XXXX Closed XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an XXXX done XX/XX/2017 at a contracted facility ( XXXX XXXX ) with my medical provider XXXX XXXX XXXX and in order to process/pay this claim XXXX requested additional information which was never provided to them ( which is a requirement per their contract with them ) Also since the claim was over due it should have been put as a provider write off. 


This collection has brought down my credit score from XXXX to XXXX therefore I am unable to refinance my home to get a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported couple of unauthorized charges on my account ; XX/XX/XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$8.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$40.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$47.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$11.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX - XXXX TCF Free Checking ( XXXX ) {$5.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$9.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$24.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$2000.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$19.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} and TCF rejected my unauthorized charge claim because they said that there were other charges on the card that were not disputed after the unauthorized charges. I don't understand I reported the card lost and the unauthorized charges as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Was contacted by mail regarding what was advertised as a personal loan earlier in XXXX, so I decided to contact them about consolidating some of my credit card debt. After going through their application process a sales person contacted me mid XXXX. The sales person wouldnt tell me the APR of the loan I was approved for until I pressed them for it TWICE! They kept talking about the monthly interest rate of 1.7 % before eventually revealing the actual 19.99 % APR. Then, they mentioned that theyd be setting me up as a sole proprietorship so they could get me a business loan to pay off my credit card debt. ( Note that the emails I attached say 14.99 %, but the original rate they quoted was 19.99 %, and the first email shows the emphasis on this mythical monthly interest rate XXXX. 

After I hung up on the XXXX salesperson, a few days later on the XXXX they were magically able to get my interest rate down to 13.99 %, which tells me they were price gouging me, and also they knew I was just going to payoff debt and didnt need $ XXXX, but kept pushing that anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ZenResolve, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: LEXISNEXIS
State: MI
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 and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Payments to bank in XXXX and XXXX of 2020 were put into the wrong account. 
Was told it would be corrected in 24 to 48 hours and I would receive a phone call confirming. No phone call and no correction. I was also told a letter would be sent to credit bureau to correct my credit history. I was also told they knew it was the banks fault and my account would not be charged any late fees. I have repeatedly called to find out why the account had not been corrected yet and each person I spoke with assured me it would be. I asked for a 2020 transaction report and it showed several months of activity were missing and the interest rates were too high. That is the only way I knew I had received late payment charges when I called again to speak with a claims agent. I can't get my statement mailed out on time to make a payment, so I just have to send a check in with the account number written on it. This last payment never posted to my bank so I called and they said they had not received it so I made a payment on the phone and according to the transaction report, the payment went to straight interest and no principal. 
I have spoken with at least 20 different people that say they are sorry and they will get this fixed. It takes over 2 hours or more to even get done with the call from start to finish. My XXXX I need for taxes in incorrect. Of course because my account is still not fixed.

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 2019-08-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Between XX/XX/XXXX to XX/XX/XXXX TdBank North, in violation of my request to have Td cash advance taken off the account and alerts being put on, have ignored these requests resulting in excessive overdraft fees to the tune of a total of at leats 5 fees. The issue is not overspending, the issue is the manner in which they process deposits and debits. For instance on XX/XX/XXXX a deposit was made for {$1000.00} resulting in a positive balance but Td Bank north posted a fee after the fact because according to them the transaction occurred before the deposit. Records however, show otherwise. This bank is making hand over fist by setting up their customers for failure by imposing Td Cash Advance which results in a consumer being able to make purchases even if the money is not available to cover it. On or about XX/XX/XXXX i spoke with a representative about this product and instructed them to take it off. I also spoke with another representative shortly thereafter to discuss low balance alerts and instructed them to put it on which never happened. More recently i received notifications that the system was down and i could not log in because they were making software updates. While it is possible that the representative never properly handled the call back in XXXX it is also possible that the alerts were taken off with this software update. After realizing more recently that fees had again incurred due to transactions being paid, i contacted Td Bank to discuss a refund as i was not authorizing the use of this cash advance feature, explained my prior conversations with Td Bank but they were both unwilling to admit fault and are also unwilling to put back the 5 overdraft fees totalling {$170.00}. This is an excessive and unwarranted amount given the circumstances. On XX/XX/XXXX at around XXXX after speaking with a call center representative i asked for a supervisor who was shockingly rude : I made an attempt to reason with XXXX Call center supervisor in New Jersey and she was not only not helpful but made me feel like they were doing me a favor by allowing me to bank with them. When i asked XXXX for her employee id she would not give it to me so i asked for her name and she stated stated that her name is XXXX as in " the brady bunch '' which i interpreted as a racist remark -- it doesn't take much to read between the lines -- how many hispanics are on the brady bunch a 70s show -- this is not only offensive but completely irrelevant. Please contact this institution and obligate them to refund these fees. I greatly appreciate your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
was trying to refiance fromXXXX XXXX trust and stole my money was trying to get my mortgage backontrack the mortgage company keeps telling me they never got the paper work The company don't care about you shellpoint mortgage Ineed help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation