BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
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: Account information incorrect

Complaint:
I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.

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 2019-02-11
Company: Colony Brands, Inc.
State: SC
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: Billing dispute for services

Complaint:
Someone know my last digit social society number I got a mail in where someone try to put something in my name I have call these company and let them know I have not place no order. I don't know if this person got a credit card in my name the ending of the card is XXXX I don't know who the credit card that is. I have seen on my credit report look like someone try to get a loan I have not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB - As of XXXX/XXXX/2017 my fixed rate home loan which is being Serviced by Mr. Cooper of XXXX XXXX XXXX XXXX, XXXX TX XXXX is transferring my loan to XXXX XXXX XXXX XXXX. 

This was done without notice before the transfer and upon calling the customer service center the agent refused to offer any help and tried to push a refinance. After being told multiple times that I had no interest in refinance, the agent continued to push that option, which was unacceptable. ( Agent ID - XXXX XXXX ) Consumers should be given a choice in who is servicing their home loans, specifically, we should be able to NOT chose to do business with a company such as XXXX XXXX, especially given the fact that company has been called to testify in front of congress for illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I did have a fraud on my account on XX/XX/XXXX. I contact the bank to info they asked me to open a new account to transfer the funds between the investigation. They explain to me the credits received in that account will be transfer to the new account during the investigation, they lie. I received over {$2000.00} on XX/XX/XXXX and XX/XX/XXXX, I have that credit frozen on my old account with a hold over {>= $1,000,000} between my saving and checking account. Bank of America just closed the claim with out asking me any proof of the fraud I did have on my cell phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My problem is with getting my insurance payment for damage suffered during Hurricane Irma. My insurance company has issued a check for over {$18000.00} for carpet and flooring damaged during the hurricane. Because I have a Reverse Mortgage thru Reverse Mortgage Solutions ( RMS ) the check is written to both myself and my wife, and to RMS. 
The damage is not structural, but for flooring and carpet damage by wind driven water intrusion thru our sliding glass doors. on our 8th floor condo on the East coast of Florida in XXXX, FL, RMS is going to require us to pay for the repairs and then they will reimburse us after we submit the paid receipts for the work done.They will graciously allow us to borrow the money from them which means I will pay interest on I until I die. If I had that kind of money I would not have need a Reverse Mortgage. 

Since our Insurance Co, has determined we should be allowed this money to pay for our repairs I am asking they be directed to sign the check and return to us. We will send them the paid receipts for the work completed..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2.00} ; XXXX XXXX XXXX XXXX XXXX ; EQUIFAX MORTGAGE SERVI XX/XX/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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a XXXX XXXX XXXX ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
I received another dispute letter from XXXX dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the Department of XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
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:
This inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've sent letters to this company three times now this is the next step to get them to answer me. i mailed a letter dated XX/XX/XXXX they never responded. I then mail a second letter XX/XX/XXXX. They have not provided me with any information showing that this account belongs to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: TX
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 was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a XXXX XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please take the credit freeze off of my report and send me email confirmation that it has been lifted.

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 2023-10-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has been attempting to collect on an old debt ( s ). They have asked for me by my marries name which I changed back to my maiden name in XXXX. They have been periodically contacting me for the past 3-4 years. 
When they state who the original creditor is, I indicate that this is an extremely old debt ( s ), I do not owe this debt given the age of the debt ( 10-15 years ), and to please cease telephone contact. The agent ( s ) then begin arguing with me stating that I owe the debt and I need to pay, Im having my wages garnished, you and your XXXX credit score, start paying your XXXXXX/XX/XXXXXX/XX/XXXX, etc. They also state theyre going to keep calling me even though I request them to stop and put any correspondence in writing. 
They claim I owe a debt to HSBC. I do not. A personal loan to XXXX was taken to court in XXXX and the matter finished. This was taken to a court by the original creditor and not a 3rd part debt collector. Ive contacted HSBC myself and my information can not be found. Probably because its over 15 years old. 
On XX/XX/XXXX they called again and I told them to stop calling. I then received a text message with a link for my documents. The documents state a debt to HSBCXX/XX/XXXX Bank which is a credit card I believe I had 10-15 years ago. 
These are extremely old debts, I do not owe the debt due to my states statue of limitations to collect, and I would like the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: LEXISNEXIS
State: NJ
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 have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: HI
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 ( account number 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 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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.

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 2021-11-01
Company: EQUIFAX, INC.
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:
While applying for a mortgage, the bank pulled a credit report and there was an account with the XXXX XXXX XXXX XXXX ( XXXX ) on it, which only Equifax reported. I am not now nor have I ever been affiliated with the Department of Defense, so I can not possibly have this account. After verifying my information by fax ( license and SSN ) in a message sent to Equifax on XX/XX/21 ( I had also called the XXXX on XX/XX/21 and XX/XX/21 to verify my SSN was not in their system ), I filed a dispute of the account on XX/XX/21. On XX/XX/21, Equifax finished their investigation and concluded that this account belonged to me, and that my personal information needed to be updated. As a result, they unilaterally changed my name, SSN, date of birth, and several addresses to that of someone else, which I was fully allowed to access, as well as full details of the entire history of the disputed account. This is an extremely dangerous breach of personal information on behalf of the affected individual, and I disputed this new " personal information '' immediately, meaning I had to see what this other person 's details were in their entirety in order to dispute it. A new dispute was filed on XX/XX/21, and as of XX/XX/21, my personal information is still displayed as that of someone else/ Our SSNs are one number off, meaning it is likely that Equifax did not check effectively enough to discover their own error, and instead insisted they were correct while compromising some other individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: CA
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 called the credit reporting agencies including Equifax, XXXX, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave XXXX, Equifax or XXXX permission to put the following accounts XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX on EQUIFAX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

Equifax, XXXX, and Equifax are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A. 

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill for account COMENITY BANK/XXXX did not go through when it was on the auto-bill in the bank XXXX  XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX  XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: LCO Financial Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Have a high interest temporary loan with a company that insists on taking fees and not letting me pay on the principal citing procedures that must be followed in an exact order in order to pay anything extra I want to pay this loan off as soon as possible but they seem to want to try to extend it as long as possible

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 2023-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, around XXXX, my checking account suddenly had three unauthorized international wiring requests in the amount of {$970.00}, {$980.00}, {$950.00} to bank in XXXX  XXXX XXXX recipient address located in XXXX XXXX As soon as I received the email notice of the above wire transfer, I called Chase and filed a claim for the regarding unauthorized transactions. One of the three wire transfer ( {$970.00} ) was successfully reversed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent me a letter and told me that my claim was denied because the wiring transfer was authorized or I received benefit from the wire transfer.

Company response to consumer: Closed with explanation