BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-04-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
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 have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, to whom it may concern this is a case for Mortgage fraud, between the companies listed below : CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX ) XXXX Ending Balance should have been : XXXX on XX/XX/XXXX when balanced was closed and transferred. 

Two loans have come after this when transferred, which goes up in the closing balance. Adding years to the mortgage payment. 

The loan went from being close to XXXX, which is fraud. 

XXXX dollars is unaccounted for from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX The loan was transferred again on XX/XX/XXXX at XXXX to the company below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX Between these two mortgage companies about there is some type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
Experian has a bankruptcy on my credit report and has failed to remove it. I have sent over dispute letters along with the letter from the court house they claimed to have used to verify this inaccuracy proving that they did not receive this information from them because they do not report these kinds of things to credit bureaus. They have placed this information on my credit report and will not remove it as asked. They have violated my rights according to the FCRA because they did not have my permission to violate my privacy and place this upon my report. This being on credit report has caused me great trouble and harm with finding a place to live and so many other life traumatizing things.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-08
Company: Rausch Sturm LLP
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was a legitimate debt. I lost my job in XXXX  and couldn't pay the credit card. It went through many hands, and eventually landed with Rausch Sturm, LLC., who immediately sought and won a judgement. I worked out a payment plan with them and was paying monthly. There were no monthly bills sent, there were no email reminders, nothing. Usually they would call and I would pay over the phone when they called. Out of sight, out of mind, its the last thing dangling from that period of time. 

Yesterday, I logged into my online banking to balance my checkbook. I noticed a large amount debited from my account that I was not expecting. I alerted my bank and reported a fraudulent transaction. Upon investigation, they told me there was a garnishment submitted from these Rausch Sturm people. I called them and inquired. I hadn't made my XXXX payment, so they proceeded to garnish my bank account. Did not call me, did not notify me, nothing. Just took the money. They said they could, because they had the judgment. I asked why they didn't call me or leave a voicemail. They said the client they were working for said they do not have to leave voicemails in attempts to contact. I had zero contact or warning this was coming. Nothing. 

I think it is absurd that a company can do this without warning, without contact, without anything. It should be illegal. Additionally, I think the timing is highly suspect since its tax season and they are probably looking for people 's tax refunds. I'm so disgusted I want to look into options to sue these people.

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 2020-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
When moving out of an apartment, my wife and I sold some furniture items via XXXX, XXXX, and similar services. One individual contacted my wife about purchasing a rug. The rug was listed for {$75.00}. The buyer indicated that he would pay {$70.00} to hold the rug. We agreed to sell the rug to the buyer. The buyer sent my wife a check, but the buyer 's husband then called to say that his wife had mistakenly written the check for the {$1000.00} because it included XXXX intended for movers coming to pick up the rug. The buyer asked my wife to remit the {$930.00} to the moving company. 

On XX/XX/2020, my wife called Chase, explained the situation, and asked a Chase representative for confirmation about when it would be safe to proceed to make the payment the buyer was requesting. Chase told my wife that all she needed to do was wait for the amount of the deposited check to post to our checking account. Chase did not mention that the check would still be subject to review for fraud or insufficient funds for several days after the amount had posted as " cleared. '' Chase also did not instruct my wife to consult any other sources about the timing for checks to " finally '' clear. 

On XX/XX/2020, my wife did an online deposit of the buyer 's {$1000.00} check. On XX/XX/2020, the funds posted to our checking account as a cleared check. In reliance on Chase 's advice, my wife proceeded to pay the moving company {$930.00} using Chase 's XXXX XXXX XXXX XXXX service on XX/XX/2020. The buyer was supposed pick up the rug on XX/XX/2020, when the buyer did not, my wife refunded the buyer on XX/XX/2020 for the {$75.00} portion for the cost of the rug. On XX/XX/2020 -- XXXX days after the {$1000.00} check had posted to our account -- my wife and I were informed that the buyer 's check had been returned as fraudulent. As a result, my wife had been defrauded out of {$1000.00}. 

My wife and I promptly called Chase on the morning of XX/XX/2020 to discuss the situation. We explained that our issue was that Chase had made a representation to my wife about when she could safely proceed to use the funds from the buyer 's check, but had made no reference to the fact that the check was still subject to review after the funds had posted as cleared. After four hours of bouncing around Chase 's various customer service departments, Chase informed us that there was nothing they could do to recover the lost funds and that they would not accept any liability based on the incomplete information from my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
onemain financial scammed me when I refinanced a loan with them. My previous loan had unemployment insurance I agreed to so when I refinanced the new loan the loan officer stated you still got the insurance and said we will sign all documents online so we can whisk through them and get you outta here. The whole purpose of refinancing was to try to get extra money and lower payments. Loan officer stated that I could only get {$100.00} but the new payment was lower. After all was done I left the business and was told all documents will be emailed to me. I looked at the documents the next day and realized there was 4 different insurance  policies attached to the loan that totaled around {$900.00}. This was never explained to me and knowing that I could have received the money in my pocket instead of being added to my loan. I feel this is an unfair practice and should be reported and let consumers beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i was called on XXXX/XXXX/2017, by Midland Credit Management from the phone number ( XXXX ) XXXX a woman asked for my son XXXX XXXX. I told them he does not live here. They asked if they could call me back. I replied " No ''. The lady asked me a second time if they could call back. I again said " no ''. Then she asked me a third time if she could call back. I shouted at her that I had said " no ''. I asked how many times I had to say no to her and for her not to call me back?
I was contacted by my former employer on XXXX/XXXX/2017, that XXXX XXXX had called the business asking for my son. I consider this harassment. I told them not to call me anymore so they called my former employer. The woman on the phone told him her name was " Heavenly ''. She said it regarded a personal business matter. Her phone number is ( XXXX ) XXXX. Extension XXXX.
I am a third party. This debt has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry Portfolio Service They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of 2021, I, XXXX XXXX brought in an old Certificate of Deposit to Wells Fargo Bank in XXXX, Ca. XXXX XXXX XXXX XXXX, Ca XXXX, I spoke with the bank manager, XXXX XXXX and he said it was so old they would have to open an investigation. It is from 1999. After 1 month, Wells Fargo still could not find the account. And I actually gave them a copy of the CD. Its very hard to believe Wells Fargo lost an account, but it sure is convenient for them to just say " we are sorry '' and there was nothing they could do for me. The investigation dept sent me a leter of apology stating they are not required to keep records beyond 7 years and that I should check with Unclaimed Property with the State. I checked several times with the State and there were no funds there in my Name. I will be glad to send you copies of the CD and the letter from Wells Fargo. Thank you, XXXX XXXX cell 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 2020-11-17
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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.

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: Navient Solutions, LLC.
State: IL
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:
In violation of the provisions of the CARES ACT, my student loan servicer, Navient, is requiring me to start repayment of my DIRECT Loans in XXXX and XX/XX/XXXX, instead of rolling my loans into the COVID-19 Emergency Relief Flexibilities, which were extended to at least XX/XX/XXXX. ( see below ) https : //studentaid.gov/announcements-events/coronavirus I spoke with navient today ( XX/XX/XXXX ) at XXXX. She stated it is most likely a coding issue, but was unsure. Was recommended to wait until I graduate next month to see if I am automatically put into COVID deferrment. I am concerned because I do not want navient to send late payments or errors to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX gave an account to someone else using my cell phone number without verifying it or sending a confirmation. Ive been using XXXX for a while until someone tried to send me money and discovered someone else created an account with my cell phone. I called my bank, XXXX and they claimed they are not able to help because it it set up to receive money with another bank ( SunTrust ) of course I called suntrust and they are not able to much either. Meanwhile, someone else uses my phone to transfer money to his account. I reported this as fraud and nothin has been done about it

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 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make sure to update the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-03
Company: ID Analytics, Inc.
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: Public record information inaccurate

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 explanation