BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion yesterday to submit a dispute regarding the inquiries that are present on my Transunion report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Transunion to investigate the inquiries present on my report that I did not authorize.

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 2016-12-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have never owe any money to XXXX. XXXX never holds any senior secured lien on my property. XXXX never provided any proof of claim on my property. I have never entered into a contract or any security agreement or voluntary lien with XXXX, I have requested numerous time R.E.S.P.A. QUALIFIED WRITTEN REQUEST. Such as any alleged Loan History, all RECORD HISTORY. Do you have servicer right,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Bread Financial 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:
Upon pulling my credit report I noticed that there is a Victoria 's Secret account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with Comenity/Victoria 's Secret under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Phh morgage company that my escrow account was short a specific amount of money and I paid that amount in full guaranteeing me my morgage wouldnt go up. They cashed the check for that amount specifically. There was a due date by which the amount needed to be paid and it was and the check cashed. They allowed my payment but didnt apply it to my escrow and my morgage payment went up and I was guaranteed it wouldnt. They didnt apply to my escrow. They told me they couldnt discuss my morgage with me and why it went up. I told them the day they cashed that check the agreed to the terms and conditions of that contract. How can they not apply the funds in the contact I paid for specifically to my escrow account. My morgage went up .I want to know why they didnt honor the terms in their contract and liked my morgage account to be the correct amount and the money in my contract honored into my escrow. XXXX XXXX email XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: American First Finance, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I began a financing plan on XX/XX/2020 with American First Finance. The total cash price was {$2700.00}. I was told at the time of signing that they would take bi-weekly payments to pay this off. To date, they have taken a little over {$1000.00} from my bank account on auto-pay. I called today because I noticed the pay off balance jumped up to {$2200.00}. That couldn't be right since I only should about {$1700.00}. Apparently, because I did not pay off the balance within 101 days, I did not make the early pay off date ( XX/XX/2020 ) and therefore they charged an exorbitant amount of fees- which only increase daily. 

I was told at the time that I was signing up that they would take the correct amount out of my bank account to pay off the balance in three months. Apparently, they default to taking the 'minimum amount ' so you don't pay it off in time and it is your responsibility to override that monthly by paying more so it is paid off in time. There is nowhere on the contract to indicate you would like to override the default to have it paid off by the 101 days- as I indicated at the time of purchase and was under the impression was in effect. 

The {$2700.00} is the cash price. If I were to have contacted them on XX/XX/2020 then I could have paid off the loan at XXXX- XXXX = XXXX. However, since it is past the 101 days, if I wanted to pay it all off it is now the cash price - 0.5* ( what I have already paid ). Meaning, if I were to pay it off today I would owe : {$2700.00} - XXXX = {$2200.00}. That is {$500.00} interest for 16 days. The maximum legal interest is 12 % in my state. What is potentially illegal about this is that they categorize the agreement as a 'rent to own ' agreement, but report the balance to the credit bureaus a loan. Thus, if it is a loan, they should be subject to state usury laws. 

They also report the loan to the credit bureaus inaccurately- stating I have paid {$2800.00} of a {$5800.00} dollar loan. This {$5800.00} number comes from the cost of rental ( {$3800.00} ) + ( {$2700.00} ) cash value ... I have no idea where that {$2800.00} number comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: UT
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:
Experian, XXXX, Experian are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.

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 2019-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I opened the saving account at Chase bank, with the promotion ( deposit XXXX in 20 business days, and keep it for 3 months to received XXXX . And if I meet both checking and saving bonus requirement, I will get XXXX $ extra ). When I transfer my money from XXXX XXXX XXXX to Chase, they closed my saving account and locked my online access. They ask me to make a 3 way call with Chase and XXXX  XXXX XXXX to verify I am the account owner with XXXX  XXXX XXXX. After it they unlocked my online access, but Chase told me the saving account is closed, so I will not be able to get the bonus. I called and message Chase, they told me they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$750.00}, {$6300.00}. 
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. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -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 2020-05-21
Company: Experian Information Solutions Inc.
State: GA
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 dispute letter to Experian asking them to verify a debt that is showing up on my credit report. In my dispute letter, I explained and provided documentation showing that the balance for XXXX XXXX is not correct. I settled with this creditor for a lesser amount but they are stilling reporting the original balance. Experian did not do a through investigation to verify the corrected amount owed on this debt. I have proof were XXXX XXXX agreed to settle the debt for a lesser amount and I have been making payments. It is being reported that XXXX, XXXX is the original creditor, that is also incorrect. XXXX was the original creditor, who sold my loan to XXXX XXXX. XXXX XXXX is reporting that 0 % has been paid, that is also not true.

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 2020-11-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

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 2021-01-22
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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.

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 2020-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}.

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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: The Best Service Co.,Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX  the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service Company.

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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or 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 2023-05-09
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a " Collection Notice '' from IC Systems ( who I'm sure you are familiar with by now ) trying to collect a balance of {$6600.00}, listing XXXX XXXX as the creditor. 

I have never been a XXXX XXXX customer ( I have always been an XXXX XXXX XXXX customer ) and never had an account, therefore I immediately knew this was a fraudulent notice. 

It is likely that IC System obtained my mailing address due to a recent online loan application I filed in order to refinance my home. ( I received other false pieces of communication from multiple companies requesting information following this online application. ) As a XXXX  of XXXX and XXXX at the XXXX  XXXX XXXX XXXX, I am well aware of these types of predatory practices. Yet, after a few XXXX searches on IC System it appears this company has been wreaking havoc on people for years. I was absolutely appalled to read through the discussion forums and posts from individuals who have shared their personal experiences trying to work with this company. I'm sure many of them, in reality, had no debt and were victims of vague language, and fear-based, predatory practices to coerce them to divulge personal information and payment. Many noted they paid their debts directly, assuming their debt was legitimate. When IC Systems lists creditors as companies like XXXX or XXXX, I'm sure the percentage of people who actually had those accounts in the past is very high ( and therefore they would be inclined to pay to protect their credit ). The companies uses scare tactics and preys on uneducated consumers who don't understand their rights or these scam marketing tactics. 

This is a clear violation of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair or deceptive practices to collect from consumers.

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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: AR
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 are two paypal cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to PayPal or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent

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 2019-06-03
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:
I made a {$440.00} purchase with XXXX before I closed my checking account with Chase. 
I ended requesting a refund with XXXX as I found a better room with a better deal. This refund was issued to the closed account with chase. I contacted them on XX/XX/XXXX regarding this refund and they told me I would receive a physical check within 10 days. I have called a total of 4 times this past month and I am told something different every time. Either its that I will receive my check within 10 days or they are waiting for some department to approve the check. 
I even talked with head of customer service XXXX XXXX who assured me the process was in motion. 
Regardless its been over a month and I still have no answer as to when I am to receive my money.

Company response to consumer: Closed with monetary relief