BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Universal Account Servicing, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed a 24 month no interest loan agreement with XXXX XXXX XXXX Universal Account Servicing. I've made payments consistently for 14 months. I missed the month of XXXX and became 22 days late. I submitted payment to bring my account current. Upon account review, I see the full interest for the the past life of the loan has been applied to my account balance. My account is now subject to future interest as well. I called customer service who stated " we offer a 7 day grace period for late payments and your account is subject to accrued interest if you miss a payment '' I reviewed my loan contract and none of this verbiage is in the agreement. I was transferred to a supervisor who stated the contract agreement statement of " Minimum monthly payment required '' translates to " You will have to pay all past interest and future interest if you miss a payment '' The only reference to a late payment is a late fee " If any payment is more than 10 days late you may be charged 5 % of that installment or {$5.00} whichever is less '' - The tactics employed at this organization are deceptive and harmful to consumers who believe a No Interest offer will hold up. I look forward to them correcting the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: IL
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:
For the last several months, the credit reporting agency Experian has been allowing an incorrect vehicle trade line with ( XXXX XXXX XXXX ) to be reported illegally in my file. I have made several phone calls and sent out several letters in regards to this matter. I have also submitted PROOF to support my claim illustrating that the account does not in fact belong to me but to someone else. Experian has the DOCUMENTATION but still has not updated my credit showing that the account has been removed. Furthermore, the address on the tradeline is an address that I have never lived at or recognize. This is against FCRA rules, regulations and must be rectified immediately. I have been given a complete run around and it is interfering with my mortgage approval and my attorney has advised me to move to file legal action if this situation is not corrected by Experian.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2022 ) I 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-13
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a savings account on XX/XX/XXXX with a promotion to get {$200.00} if I deposit {$15000.00} and keep it in the account for 90 days. I was also to get an additional {$100.00} for meeting both the savings and checking bonus. I have been credited already for the checking bonus of {$300.00}. My money was deposited on XX/XX/XXXX and I should have received my {$300.00} ( XXXX ) 90 days later. I keep getting the run around on why it has not appeared in my account. I am getting told that it was never initially applied even though I have screenshots saying it was and have screenshots of the promotion. I am told that I have to wait another few months before the 90 days is up to receive my promotion. Keeps getting bounced around to agents who don't seem to understand what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( Equifax, XXXX  & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: FL
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, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Account information incorrect

Complaint:
I have written to Equifax Info Services LLC 5 times with court documents showing that I have changed my middle name from XXXX to XXXX. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported a collection amount of {$620.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
State: GA
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:
CHASE BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. CHASE BANK ( JPMCB CARD SERVICES ) obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
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:
Credit Acceptance Corporation silver triangle building* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX michigan XXXX contact # : XXXX XXXX XXXX www.creditacceptance.com on monday XX/XX/2014 i paid off LOAN.

i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH

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 2021-12-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The credit card is a CITI XXXX from store XXXX. On XX/XX/2021 i was charged {$21000.00} for a service that was not existing. I contacted them by phone on Monday XX/XX/XXXX. They started investigations about the fraud. On XX/XX/XXXX the credit card investigator contacted me and confirm it was a fraud, i would not be charged for it. On XX/XX/XXXX The credit card Auto pay charged {$21000.00} to my checking account. I contacted the Credit card immediately to ask how this was possible, it was not correct. The answer from their contact over the phone told me : " we are going to return your money in 3 to 5 business days ''. This did not happen. Again on XX/XX/XXXX I contacted the credit card company, because the money was not returned. I got the same answer from a supervisor " Money will be returned in 3 to 5 business days ''. Today XX/XX/XXXX i contacted them one last time and i obtained a similar answer " Fraud was confirmed and they will return my payment of {$21000.00} in 3 to 5 business days '' In simple terms They agreed in XXXX that there has been a fraud on my card for {$21000.00}. Their Credit card through auto pay charged me {$21000.00}. And they are not returning the amount of {$21000.00} to my personal account. 
sincerely

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 2020-11-05
Company: CORELOGIC INC
State: LA
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX credit inquiry on XXXX, XXXX and XXXX. I want these to be removed from my XXXX  due to I never signed any documents. 

Also Credco/XXXX  XXXX I want these to be removed from my XXXX  due to I never signed any documents. 

Under FCRA I want this to be validated with my signature that I authorized.

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 2018-02-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. Bank accounts have been opened using my personal information by committing fraud.I am not responsible for any charges made to these mentioned accounts.According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies.  Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX {$940.00} XXXX {$0.00} XXXX XXXXXXXX {$460.00} XXXX {$2000.00} XXXX {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXXG ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$640.00XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00}

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 2019-08-29
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Apparently, I was to appear in court on XX/XX/XXXX ... I never received any type of notice in the mail, nor was I ever contacted by the original complex about a court date. The paperwork I received in the mail is dated ( by stamp ) XX/XX/XXXX, however it is signed and sealed bybthe justice of the peace on XX/XX/XXXX. 

I have NEVER received any type of notice EVER, until the day I got a letter from my employer explaining theybwere going to garnish my wages, for an unknown amount. This amount totalled around {$1300.00} which when paid in full, totalled a little over {$1400.00}. I recieved a letter from my employer after a few weeks saying the debt was repaid. 

Now, several weeks later, my place of employment is receiving phone calls, and saying they're aaking about me, and I recieved a letter in the mail today explaining how my last payment satisfied the debt, however there is still a balance of {$2300.00} from the original complex, prefixed by the statement : " As you know, there is still a balance due ... '' I do not know. Ive very scarcely neen contacted about this matter, and all of it as of late, in XX/XX/XXXX, about this debt from XX/XX/XXXX, and I believe a great deal of that is due to the incorrect spelling of my name on EVERY document ever received by them. 


Im confused as to what exactly is/was owed, what has been paid, and what action if any, I can take. I have never recieved any calls from anyone about this matter, only letters as of late. It also appears the second amount is including damages, of which there were none, as well as a rent charge for the month of XX/XX/XXXX, whereas a notice to vacate was enacted on the XXXX ... Lastly, I would also like to know the status of my co-signer, and what his role in this is, as he signed with me, declaring financial responsibility overall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATEXX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXXXX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXX XXXX XXXX DATEXX/XX/XXXX XXXX XXXX DATE 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX  The Supervisor at Transunion XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXXXXXX  I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXXXXXX I received confirmation that the response was acknowledged. XXXX XXXXXXXX  XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXXXXXX sent me a statement stating they would be foreclosing on my homestead on XXXXXXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXXXXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.

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 2021-12-13
Company: Winklevoss Exchange LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I downloaded the app called Gemini so i can trade, send and receive Crypto currency in this case Bitcoin and Ethereum. I signed up, verified, got my account linked and made an ACH deposit of {$4800.00} ( XX/XX/2021 ) then i converted money to cryptocurrency Bitcoin and Ethereum. After 4-5 business days as mandated the deposit was cleared ( XX/XX/2021 ) and the market dropped leaving my {$4800.00} to {$4000.00}. I tried withdrawing my asset ( XXXXitcoin ) and they froze my account ( XX/XX/2021 ). i reached out to support and was asked to mail a photo verification showing my face, ID, a piece of paper with the date written on it and the Case ID ( XXXX ) which i did since the XX/XX/2021 and sent to them as instructed but still didn't get any response from their team. i want to know why they haven't responded or how long it will take to get my funds pulled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX  on XX/XX/2019. I  contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.

Company response to consumer: Closed with explanation