BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
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 have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-07-08
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2017 Progressive Management Systems began reporting a derogatory account on my credit for the amount of {$1000.00} that is not mine and causing me to have negative items on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me a total of six ( 6 ) times today alone XX/XX/18 after i told them to stop calling send correspondence by mail

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 2018-09-13
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Borrowed {$1000.00} from Big Picture Loans and was told there would be a one time finance charge, but they end up charging it every two weeks. Very misleading and cant get anywhere with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: OH
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 requested a reinvestigation and for contracts bearing my signature for the accounts below. Experian sent a letter refusing to reinvestigate telling me to send in documents to. However, they should have that information if they are the ones reporting it. They also did not provide information from the accounts bearing my signature or any contract. But they are reporting an account as charged off that was removed/ not reporting on the other bureaus. Credit bureaus are supposed to be reporting from the same place. I spoke to a representative from Experian and they said they are getting information from computers. I reached out to XXXX XXXX XXXX and walked into the bank. They do not have any of my information on file. My rights are being violated by Experian according to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The information on my account is causing me to have high APRs and denials for credit based on my report.

1. The following account is reporting INACCURATELY and was removed from XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please follow suit and remove it from my credit report. 

2. The following account is reporting INACCURATELY ; My payment status is CURRENT, never LATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/2020 Please remove it from my credit report. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2019-01-08
Company: Common Wealth Mortgage Services
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have always paid my mortgage half at the beginning of the month and half at the end to in order to help with my finances as I do not get paid on regular basis. After refinancing with XXXX XXXX for my mortgage, I was called by customer service asking me to pay the full amount by the XXXX of each month. I told customer service that I have paid ahead so there should be no reason to charge me a late fee I need to pay two times a month. I am not exactly sure of the dates of this conversion but I am thinking maybe around XX/XX/XXXX/XX/XX/XXXX. 

Recently ( XX/XX/XXXX ) I received a letter from XXXX stating as of XX/XX/XXXX they will no longer accept partial payments and any partial payments will be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2019-01-08
Company: Experian Information Solutions Inc.
State: AZ
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:
the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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 2021-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am in a process of buying a house in XXXX XXXX, NY. I suppose to close next month and my balance is {$52000.00} plus closing fees. I was contacted via email by a paralegal XXXX XXXX XXXX and as per her email I was asked to put money into an escrow account. I went to Chase branch on XXXX and completed a wire transfer with an assistance from a banker. When I got home I emailed XXXX and said that I just wired the money and please confirm once received. No answer and he next day I called her and she was surprised to hear about the wire. I immediately checked her email domain name and the fake one. Her email signature was real-everything looks the same, except that I noticed that there was double " i '' in the attorney 's last name. Also when I saw the confirmation of a wire transfer I got very suspicious when I saw " XXXX XXXX XXXX XXXX XXXX Tx ''. I report it ASAP to Chase on XXXX.I first called a banker who assisted me on XXXX, XXXX XXXX XXXX but she said that I need to call a customer service and gave me a number. I called and Chase started an investigation. 
Then I called DA office, my local police precinct and went to the precinct to complete a report and provide emails and copies of bank records. I also informed my loan originator, seller 's real-estate agent about this and told them not to send any emails to my old email address since I believe it was compromised. On XXXX I spoke to a Detective from XXXX XXXX in XXXX and sent documents to him. 
I hope that you can also assist me in this case. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
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:
OnXX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018.  On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I didn't Authorized ( Authorization ) too view or pull credit report ( Identity Theft Victim / XXXX Data Breach )  .... 


XXXX details : XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
I got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2018 I applied for a credit card thru PayPal. On XX/XX/2018 I received a letter indicating I must call Synchrony Financial ( XXXX ) to confirm my application. In XX/XX/2018 I received a phone call from Synchrony saying that my application had been denied and that a followup letter would explain why. 

By late XX/XX/2018, I had not received a followup letter explaining why I had been denied. I phoned the number above and was told that the letter was sent and was probably lost in the mail and they would sent another. In mid XXXX I phoned the number again to report that I still had not received the followup letter. They replied they had been having problems with the US Postal Service and they would re-send the letter. 

To date I have not received the promised followup letter and still have no idea why I was denied. I would like this issue resolved.

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 2020-08-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
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 leased a XXXX car from Hyundai Finance towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX  was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a XXXX XXXX by XXXX and also got XXXX  during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but Hyundai Finance company reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides Hyundai motor finance had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by Hyundai and the letter I sent them.

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent XXXX Transunion and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 I appreciate any assistance you can give me. 
Thank you!

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 2020-05-13
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with this company Im a sick man with XXXX and cant even go to the gym, u reach out to this company many times but for whatever reason theyre not investigating this account and wants me to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Accelerated Financial Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received notification that I had a collection account from my credit notification account that I am a member of. A Company named Accelerated Financial Solution, I also received 3 calls. I explained to them that I was not aware of this account and they abruptly added this on my credit report. it's XXXX. I wrote to them 3 separate times and no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX Please review my auto loan the dealer send the company aca American Credit Acceptance a fraudelent drivers license did not give consent or did i have any knowledge that. The dealership had done that my loan shouldbe review again and the complaint please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/2021 Bankruptcy Chapter XXXX Verified as accurate They didn't contact court to verify

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 2018-11-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After looking over my credit report I ran across a collection from this agency. they are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect XXXX XXXX XXXX A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018 Equifax 's Online Free Credit Freeze is NOT working. When start button is pressed, a blank screen appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX TransUnion received the certified letter that I mailed with return receipt advising the bureau to provide to me per FCRA 623 ( a ) ( 5 ) if  they are unable to validate with the Original Creditor then the information MUST BE removed. On XX/XX/XXXX XXXX transferred me to supervisor XXXX regarding the response letter that I received from TransUnion stating they already verified and won't re verify. I advised XXXX that I did not ask for a verification but rather them to furnish who they spoke with at the United States Bankruptcy Courts of XXXX Missouri. She never provided that information.

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 2021-10-08
Company: AMA Advisors, LLC.
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 status incorrect

Complaint:
They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation