BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 the morning of XX/XX/2021, I decided to look at my credit score on XXXX XXXX. After logging in, I noticed that my Transunion score went down by 23 points. When I investigated this, I found that an account was reported to collections from some company called XXXX XXXX XXXX XXXX in the amount of {$930.00}. I contact them and they claim that it is from a XXXX XXXX account that I once owned. I have not had a XXXX XXXX account in over 20 years and was never delinquent. When asked to validate the debt, they refused. I want this removed from my credit report. 

Sincerely, 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 explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
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: Was not notified of investigation status or results

Complaint:
Equifax will not do their job and investigate these disputes that I have submitted to their office. This my 4th time doing this. The other ( 2 ) credit bureaus has removed this derogatory items from my credit report. I want this negative items deleted from my credit report within 15 days. 

XXXX Unverified account XXXX Unverified account Medical Collection-XXXX Unverified account Medical Collection-XXXX- Not my account/Unknown Medical Collection-XXXX -- Unknown account Collection-XXXX Unknown account Signed one angry customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/1992

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Aargon Collection Agency - XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX - XXXX Aargon Collection Inc. Has repeatedly contacted me before XXXX and after XXXX. I have attached the most recent calls for proof/review by CFPB.

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 2020-11-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a loan from ace cash express, was unable to pay loan off and it went to collections. the company they hired to take over the matter is now calling my job everyday and now has my boss thinking that they are going to come to my job and arrest me if i do not get in contact with me. they have left the same kind of messages on my voice mail. if the keep calling i could lose my job. I don't have the name of the company they do not give name, all i have is a phone number to the company as well they are not willing give me a detail itemized list of my charges. they are also saying that the are filling a law suit in the county I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BlockFi Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
There was consistency wrong information recorded when creating my business BlockFi account. The most important is that they recorded a personal SSN, as the ownership, and not a company XXXX when setting up the corporate account. In the last 3 years, that XXXX has been recorded on IRS forms instead of the company XXXX. This has resulted in thousands of dollars due under a personal income tax bracket instead of the corporate one. I have informed the company of their mistake each of the last 3 years, and continue to be assured that " it's been taken care of ''. However as of today, the XXXX form for year 2021 still has the XXXX and remains that way with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I 've purchased XXXX Nissan Altima at XXXX XXXX XXXX in XXXX, NY. We agreed on cash price of {$12000.00} and after my down payment of {$2400.00} I financed remaining balance via Nissan Motor Acceptance Corporation bank for 72 months. At the time of purchase I did not notice that car dealer added Extended warranty/service charge in the amount of {$2100.00} as well as Maintenance fee in the amount of {$890.00}. Later on I have reviewed Nissan retail installment contract, because I was planning to refinance this loan, since I had better interest rate offered to me through XXXX XXXX XXXX XXXX, and noticed above mentioned charges. I 've called a dealer and was told that I can cancel it and get refund check, but I 'll have to come in with vehicle ( 1 hour drive ) to sign Odometer and Damage disclosure Statement as well as Dealer Cancellation request form which I did on XX/XX/XXXX. After that I have placed numerous phone calls to Nissan bank and the XXXX XXXX and inquired about my refund check. I did not get any phone call back from the dealer at all. Bank 's customer service acted like they trying to help me, and started Special Investigation on this issue, but they could not proceed, because dealership did not return their phone calls too. Until today I have not received refund on services, I never requested. I have refinanced this loan with XXXX XXXX for much better interest rate since, and until today I still wait for refund check or explanation phone call from XXXX XXXX, Finance Manager from XXXX XXXX in XXXX, NY, on where my refund is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH mortgage service is trying to shorten my forbearance terms by overlapping three month periods. I made XXXX payment in XXXX and then at the end of XXXX I called to get a three month forbearance starting in XXXX. Yet they are counting my forbearance as starting in XXXX because thats when I happened to place the phone call. Even though I already gave them marches payment. And I didnt apply for the forbearance until after I made that payment. 

This is all pandemic related and Im at the end of my fourth three month forbearance period. 

So before my next extension I should owe my next payment starting XX/XX/XXXX. But they show me as two months late as if I owed for XXXX and XXXX. 

When I talked to them on the phone they mentioned apparently sometime at the end of my second three month extension in XXXX I had called at the end of the month to extend starting the following month, and they did the same thing. Overlapping it again. 

Their fuzzy math allows them to provide the obligatory 18 month period in less than 18 months. In fact if I had called at the end of the last month in each three month period, to set up another extension, I could wind up being as much as four months short based on their math. 

XXXX XXXX says I can get up to 18 months, and with PHhs creative mathematics they can potentially squeeze that 18 months into a 12 month period. 

When this pandemic is over and the country starts re-opening, Im still going be one of the last people to resume work based on the kind of work that I do. So Im going to probably need the entire 18 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX the car loan was Charged off on my account and it reflected that. When the company charged it off I was never sent a 1099C according to the IRS any charged off of debt over {$600.00} the lender must sent the customer a 1099C there for could never file it on my taxes. 
As of XX/XX/XXXX BB & T the original lender stated I was late on a months car note payment of {$530.00} on an account that had already been charged off back in XXXX. The company also fraudulently forged payment records stating that I have been in good standing with my payments since the loan first originated in XXXX. My credit had been hit hard & Im losing money by this recent fraudulent late payment Delinquency. I would like this BB & T lender removed from my credit profile Expeditiously due to their fraudulent activities and shady business tactics. I also would like this recent late payment taken off of my record as well. According to the FCRA it must be removed. I would like it to be removed on all three credit bureaus on which it is reflecting. I dont understand why a closed account is still reporting and also report fraudulent information. I need this removed from all 3 report credit bureaus

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX, XXXX XXXX XXXX Account # 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 XXXXXXXX XXXX account was originally XXXX XXXX XXXX. It was removed previously for being inaccurate and was reinserted by XXXX XXXX. They violated my rights by doing so and also did not inform me or ask my permission to reinsert the account within 5 days in accordance with the Fair Credit Reporting Act.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
15 U.S. Code 1681c2 requires the consumer to send 4 documents. I sent to Equifax my Identification card ( drivers license ), ftc report, accounts that are fraud, and my personal statement. They are refusing to delete the items. They are falsely stating that those documents are not enough to delete the items. They are not doing their due diligence by being fair and equitable nor doing their grave responsibility. 

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At XXXX ET on XX/XX/21 I received an email from Wells Fargo titled Get started with your new Wells Fargo account. I then logged into my Wells Fargo app on my phone and noticed I now had 2 checking accounts, the newest account I never opened. I had a few errand to run and immediately when I returned home I called my local branch in XXXX, Pa at XXXX ET on XX/XX/21, I explained my problem to them and they filed a report and directed me to call the main line for Wells Fargo XXXX I called the main line at XXXX ET on XX/XX/21 and once again explained my problem, I was transferred through a few departments explaining my problem over and over, my problem was resolved my username and password for my original account was reset and the newly opened account was put on hold for investigation. I was told the process would take 2-10 days. I spent 57 minutes in the phone with the main office ending my call at XXXX ET on XX/XX/21. I then spoke with my mother at XXXX ET where she k formed me of fraud committed by Wells Fargo by opening accounts in customers names without their knowledge. I spent 16 minutes on the phone with my mother ending the call at XXXX ET. I immediately began researching this fraud incident against Wells Fargo and while doing so I found this agency. I decided I wanted to file a report just in case something similar was happening again. As I went to file this report I logged back into to my Wells Fargo app at roughly XXXX ET on XX/XX/21 and noticed that the newly opened account was already, to my surprise, gone. After being told this would take 2-10 days to resolve I became even more suspicious that it was gone within roughly 30 minutes of my phone call with Wells Fargo. I am not sure as to what happened here but what I do know is I NEVER opened a 2nd checking account in my name nor do I have a need for another account and that with a 2-10 day timeline the newly opened account was gone in roughly 30 minutes. Suspicious or not I felt I definitely needed to report the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
There is a fraudulent bank account that is reporting on my XXXX and Chex reports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.

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 2021-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX US SM BUS ADMIN ODA Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX JP Chase Morgan gave many of their customers something they called a Govt Stimulus 30 Day Overdraft assistance. My exact amount on that day was XXXX. This is not something that was requested. when my stimulus check was deposited of XXXX my balance was brought to XXXX. Chase stated they wanted customers to be able to fully access their stimulus check for whatever they need it for. Not thinking that when they came back 30 days later to withdraw the assistance that they so called offered their customers would put them back where they started if not in a worst predicament. Now my account is XXXX overdrawn due to Chase so called assistance. The remaining of my money from my pay check was taken causing further overdraft fees on my account. Chase did refund some of the overdraft fees for the new overdraft on XX/XX/XXXX and XXXX of XXXX which wouldn't had to be done if they never took it upon their selves to come up with their own stimulus assistance. The government gave Americans the stimulus payment for assistance not for our banks to use it to make money off of our time of being in need. I like most live paycheck to paycheck. On XX/XX/XXXX I got a letter in the mail letting me know that the money would be withdrawn from my account which was dated for XX/XX/XXXX. I filed a corporate complaint. There was a voicemail left by a XXXX from the executive office. I returned her call and never heard anything back from her. XXXX left a phone number of XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.

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