BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX Cards rewards credit card, a XXXX XXXX XXXX XXXX store card, and a XXXX XXXX XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both TransUnion and XXXX by phone, i've submitted several documents to XXXX  by certified mail, and fax, and and several attempts i was not able to be helped.

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 2020-10-10
Company: Experian Information Solutions Inc.
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:
Good Morning ; I was extremely shocked & surprised today when my fiance & I reviewed our credit report. I honestly thought that our credit was in pristine condition and therefore, we were in the process of refinancing our house and found out that we have inaccurate and negative items reporting in our Experian credit profile from XXXX XXXX XXXX XXXX XXXX XXXX Not only that we resolved this matter years ago, but by looking at our credit report, we noticed that it's reporting incomplete and unverified information. It's my understanding that when an account is in charge-off status, the " HIGH BALANCE '' should be higher than the actual balance but in this case, is reporting incorrectly. Here it's reporting High Credit : {$6100.00} vs. the actual balance is {$7400.00}. This is in violation of fcra and it can not be reported as such and it's causing this charge-off account to illegally re-aged.

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 2020-06-25
Company: LoanCare, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XX/XX/XXXX-XX/XX/XXXX we were in a modification agreement for our home. We made all payments as requested and responsibly per agreement. Then in XX/XX/XXXX I received a notice of trustee sale foreclosure. We then obtained an attorney and won the case due to the loan care servicing center not honoring their original modification agreement and intern they would correct our credit score rating as they indicated we were delinquent on our payments so we would be able to refinance our home. Since then I have worked with our attorney and filed several complaints against the in accurate information reported on our credit reports stating delinquency without success and now are facing another foreclosure incident. We also lost a small business operating under a rental agreement due to the Covid medical situation which has put us into a financial burden. If this had been originally fixed we would be able to refinance and continue making payments please help us obtain the correct information so we are able to refinance and remain in our only resistance.

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 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX XXXX rewards credit card, a XXXX XXXX  XXXX XXXX store card, and a XXXX XXXX  XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both XXXX  and Equifax by phone, i've submitted several documents to Equifax by certified mail, and fax, and and several attempts i was not able to be helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinance with my existing lender Chase. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. Now they are saying they will not refund deposit not approve loan. I provided them all the papers in time. Since they had all the data as my current lender and knew that my rate will adjust to a much higher rate so they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. Now I can't go to another lender in time without paying higher payment.They will also not refund my deposit ( {$500.00} ) that they tricked me into paying.Please help!

Lending consultant : XXXX XXXX | XXXX XXXX   Advisor | NMLS ID XXXX | XXXX XXXX | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX| Office : XXXX XXXX XXXX XXXX | Fax : XXXX | XXXX | XXXX XXXX | Lending Manager | NMLS ID XXXX | XXXX  | Office : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2017 I have sent in numerous written requests to the credit agency Experian in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation per FCRA Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have received nothing in writing, nor have I received any of the information by them validating this debt is mine. This is a clear and blatant violation of section 609 because nothing was provided to me. I have sent in a notice of deletion from the same company that appeared on my XX/XX/XXXX report but still no action was taken by Experian except a reply of this debt has been validated, but when I ask from proof of validation I receive no information or paperwork. I am humbly asking that this matter be investigated.

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 2021-04-06
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2019-03-19
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX XXXX. I have never received any correspondence from XXXX. XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that XXXX. XXXX XXXX XXXX owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX XXXX refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX. XXXX XXXX XXXX understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX. XXXX XXXX XXXX ' and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Dear Sir, I have received a letter from XX/XX/XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX   and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: MD
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 canceling credit monitoring or identify theft protection service

Complaint:
I have repeatedly attempted to cancel my membership for days, and the cancellation process is virtually impossible. Their website states all cancellations must be made by phone. No emails : XXXX XXXX XXXX CANCEL MEMBERSHIP If you would like to cancel your membership, for your security, please call our toll-free number at XXXX. 

Call this number and you are prompted to enter all your very personal information i.e. full social security number and date of birth, then placed on an infinite hold. I have mobile phone screen shots to confirm the number of hold hours. Regardless of which department you request, you are placed on a indefinite period of hold, and forced to listen to their subliminal messages and song playbacks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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:
On XX/XX/XXXX I paid {$8.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 

On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. 

According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account. 

On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. I am now submitting a complaint to the Consumer Finance Protection Bureau to obtain their assistance on this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am deeply concern that an account that was already disputed with the original service provider XXXX  XXXX has shown up on my credit report. This account is a HIPPA violation. I request several time for a invoice of services. I never got that from either XXXX  OR XXXX XXXX XXXX. I fail to see where XXXX is in compliance with OHIO LAW 1319.12 ORC Taking assignment of debts. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other evidence of indebtedness was canceled. ( G ) Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433, as amended. I need this account to be deleted immediately until all OHIO LAW requirements are meet as well as FDCPA standards are meet!

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 2020-05-16
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
on XX/XX/2018 I got misleading information from one main a personal loan company. when I was in the process of requesting the loan nothing was explained in regards to inquiry on my credit report. There was never an explanation as to why the loan was denied. they never sent me a letter to my home either. I attempted to reach out to management to speak to them in regards as to why I was denied and was unable to get a clear answer or resolution. I was told that this would be removed from my credit score and has not be removed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been attempting to contact XXXX  for years for them to look into an issue with my balance. When my loan was first turned over to them I was making a monthly payment of {$42.00} which would be $ XXXX/annually. I then started making $ XXXX/Mth payments for a total of XXXX/annually. After I refused to pay them until the issue was resolved, they began calling my ex husband and giving personal information to him to collect a balance. This information was used against me in a custody battle. I have spoke to two different people within the last few years, both of whom told me there was an issue with the balance and that the payments I was making were not being deducted from the balance. I paid $ XXXX/mth for a year and they only deducted $ XXXX/annually from the balance. I was told this would be adjusted and fixed so that I could pay off the entire balance. At this point I put my account on a forbearance, since this was what I was told I had to do until the issue was resolved. I will make a one time payment XXXX  to close this account but will not make any more payments towards the current balance of XXXX. They refuse to look into this issue and return calls or emails and continue to request money. As you can see on the attached spreadsheet, the amounts never went down, they continued to increase and payments were not deducted.

Company response to consumer: Closed with explanation