BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
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 {$11000.00}, {$800.00}, {$2800.00}, {$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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2021-12-22
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: Credit inquiries on your report that you don't recognize

Complaint:
There are some accounts on my credit reports that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase checking account. 
At XXXX, XXXX XXXX, XXXX, my account was showing a positive balance of {$15.00} with numerous items pending from over the weekend. 
At XXXX XXXX on XXXX XXXX, my balance is now showing $ XXXX due to two items that caused the account to go negative and the two overdraft charges. 
Chases policy is that if the account is brought to a positive balance the same business day, the overdraft fees will not be applied. As I mentioned above, at the end of the day, the balance was positive. They took the debits out the following day and backdated the transactions to cause the overdraft. As soon as I knew about the overdraft, I deposited enough to bring the account to a positive balance ( except for the overdraft fees ). 
Chase has done this several times and debits the items when we are not given a chance to make the account current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill of {$39.00} from credit collection services and it said the creditor is automobile insurance co of XXXX. I never had insurance with XXXX. I called XXXX and they never had me as their client.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Conn's, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
company continues to call several times a day starting from XX/XX/2018 at least 5 or 6 times a day Conns Furniture Store

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the XXXX XXXX XXXX are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
2- XX/XX/XXXX at XXXX approximately {$1300.00}, XX/XX/XXXX at XXXX {$1200.00}, XX/XX/XXXX at XXXX {$880.00} Initially I paid for a service, after seven days they contacted me again to ask for more money ( this was not part of the agreement that was made in the beginning ). However, I agree to pay with the commitment that they will return the money. After the second payment was processed they accepted it and stopped communicating with me.

After two days they answered me but again asking for more money. Claiming that I would need to make another payment in order to get all my money back, otherwise I would lose it entirely. I agreed to pay one last time, I sent them the money with proof of address of the virtual wallet that they had given me previously. However, it turns out that this time they completely stopped answering any of my messages and calls. 

Lastly they answered me yesterday, XX/XX/XXXX, saying that I have to make a payment once again, they up to this day claim that they never received any money on my behalf. I have been contacting them non stop while sending them proof of payments and transactions but once again they either ignore my calls and messages or claim that these payments have not been completed. 

I called my bank about these payments, since those payments came out from my bank account to a third account to make the payments that I mentioned, but they refuse to make any type of refund, I have proof that the merchant does not want to accept that received my money and continues to ask me for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Participated in their {$700.00} bonus offer, and did not get it. Deposit {$50000.00} for 60 days, get {$700.00} bonus. Scam offer, closing my account immediately. 

Update : My friends referral {$100.00} bonus never materialized too. Straight out scam. 

Update2 : XX/XX/2020 Filed a complaint in person XX/XX/2020. No communication from Citibank, so I called in on XX/XX/2020 to file it at headquarters. Head Citibank Supervisor " XXXX '' said I will receive {$700.00} in XX/XX/2020. Date came and went, no money. 

Term is " within 90 days '', not " in 90 days ". So money is owed to me. 

Reporting it to the XXXX XXXX XXXX ( XXXX  ), and Customer Financail Protection Bureau ( CFPB ).!!

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 2020-05-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my mortgage payment s and I went into default I was told I didn't qualify for modification. So I was sent a letter from OCWEN/PHH Serviceing company telling me that they had referred me to an attorney to start the foreclosure process. I recieved that letter and I responded with a sworn affidavit asking them specific questions because I started getting letters from different named companies asking me to send my payment to different locations. So I started doing some research of my own about who was OCWEN and now PHH and what I found out was HORRIBLE To say the least. OCWEN has been KICKED OUT of at least 32 states where they can no longer conduct business because of their  illegal practices. I found out that my original lender BUNDLED up my mortgage with others and securitized my loan separating the Note from the mortgage which both are illegal do to the truth and lending act they also never gave me full disclosure on what their real intentions were and they turned my promissory note into a security instrument with my knowledge. So I sent all of them a sworn affidavit asking them if they breached my contract or did they follow the the law and the rules and regulations of GAP General Accounting Principles and Practices. And none of them have answered nor did they sign the sworn affidavit saying they did in fact follow the law. So they scheduled a foreclosure sale for XX/XX/2019 and sent a attempt to COLLECT a debt letter and I responded with the same affidavit that I had previously sent to OCWEN/PHH and XXXX XXXX  and now I am sending it to their attorney and in a matter of a few weeks I got a letter back from their attorney saying that the loan and property foreclosure sale has been canceled for XX/XX/2019. And now 7 months later they are trying it again. I am furious because they have no legal standing what's so ever and cant produce any original documents including my original note. They claim that they only canceled the debt for XX/XX/XXXX was because I was in bankruptcy and that is a complete lie. They canceled the debt on XX/XX/2019 and I filed for bankruptcy 4 days later so that is a serious lie. I have all of my documents to prove they have no standing and they are committing fraud because Georgia is a Non Judicial State as it relates to foreclosure and these Serviceing companies are getting away with pure unadulterated THEFT. And it appears these attorney s and judge z are complicit in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I submitted all documents on XX/XX/2021. There has been no response or actions taken by the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Account information incorrect

Complaint:
The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I submitted all documents on XX/XX/2021. There has been no response or actions taken by the Credit Bureaus.

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 2021-02-24
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 to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.

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 2023-01-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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: Personal information incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX  XXXX   CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/2006 {$620.00} XXXX XXXX XXXXXX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX{$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}

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 explanation
Consumer complaint received 2017-09-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a  refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS COLLECTION IS REPEATLY PUT ON MY CREDIT REPORT DAMAGING MY CREDIT WITH THE OPENING DATES CHANGING EVERY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a first time home buyer and was excited to find an amazing house. In the pre-approval process, I was informed of a tax lien on my Equifax credit report. In disbelief, I called the XXXX XXXX XXXX XXXX to confirm this lien. I was informed that no lien was found under my name. Further investigation showed the tax lien belonged to my father, who has a similar name. In pursuit of removing this lein from my report, as of XX/XX/2017, I filed a dispute with Equifax. On XX/XX/2017, Equifax " completed '' the dispute. The confirmation letter sent to me read : " We have reviewed the lien information. Case or ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX The results are : This item has been deleted from the credit file. ". After 30 days, the tax lien still shows up on my credit report under the public records section. I have contacted Equifax customer support many times in the past weeks expressing my concerns, they have been extremely stubborn and tell me that I will have to file another dispute and therefore wait another 30 days. At this point in my contract, I do not have another 30 days to dispute this information. The lien should have been properly taken off during the first dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Tidewater finance on XX/XX/XXXX and requested a full copy of payment history and an original document with signatures and verification of how much according to them I owe only account # XXXX. My loan agreement states that the loan is for 66 months ( 56 payments ) at XXXX per month Ive had this account with tidewater since XX/XX/XXXX. My account with tidewater should end in XX/XX/XXXX. Tidewater is stateing that I still owe them over 7200 in payments. I believe that I owe tidewater far less which should be XXXX. XXXX dollars exceeds the the loan agreement. When I spoke with a representative today which they have my account in collections because the state that my XXXX payment is late and my XXXX payment is also late I have paid XXXX payment thru XXXX XXXX and my XXXX payment is due on the XXXX of each month and my XXXX payment had already been counted as late according to the rep. My XXXX payment was made on XX/XX/XXXX. According to all three credit bureaus I still owe XXXX and my account hasnt been updated since XXXX and XXXX on some bureaus. I would like for my account to be updated correctly and all money that has been paid applied to my account and since they are reporting my account incorrect I would like all payments brought to good standing for the untruth that has been being applied and Negative standing which Ive have been correcting for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My daughter 's ex boyfriend used my name and information to obtain an XXXX without me knowing anything about it. This debt was for {$2000.00} with XXXX XXXX. I have filed a complaint with my local police department. I filed a complaint online and I complained to XXXX and I can't get it removed from my credit report. This debt is not mine and I was not ever aware of it until I received a collection notice. It is theft and fraud and I want it removed from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief