BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my XXXX  credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with XXXX  and Transunion based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made XXXX  and Transunion aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help

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 2017-12-19
Company: Assured Financial Partners
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call and voice mail on my cell phone on XXXX XXXX, XXXX at XXXX am. The caller ID number was XXXX and my phone tagged it as suspected spam. The voice mail stated that they were looking for my adult son and it had something to do with an address he lived at 2 years ago. The caller mentioned federal law and proceeding after two attempts. I did not return the call and blocked the number. XXXX XXXX at XXXX am a call came in on my cell phone with no caller ID. It was the same person asking for my son. I said that he could not be reached at this number and I hung up as I was waiting for someone to call and loop me into a conference call at work. He immediately called back. 

I do not owe any debt to this company and I should not be harassed like this over a debt that someone in my family may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX  XXXX and a medical company which was not opened by me or authorized by me.

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 2019-07-04
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-04-06
Company: EQUIFAX, 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 did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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: Receivables Performance Management, LLC
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 have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were multiple charges from " XXXX '' on the XXXX XXXX ( which Chase converted to a XXXX card despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. 

The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. 

Additional documentation can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I currently have a Chase checking account. From XX/XX/2023 till today XX/XX/2023, the institute that I bank with, Chase has been charging me overdraft fees. Chase has charged me a total of {$570.00} between the dates above. On XX/XX/2023, I called Chase to try and resolve this issue. I spoke with a representative by the name of XXXX. I also spoke with a supervisor. Both informed me that Chase takes breaks during the holidays, therefore deposits may take a little longer. I have auto pay on all of my bills, I received a deposit to cover all my bills charges On XX/XX/2023. Chase takes XXXX  days to clear deposits which make my account look like its at a negative, causing for their system to charge me a total of {$34.00} dollars XXXX times of overdraft fees. I have also written a letter to Chase requesting ways of us being able to resolve this issue. I'm tiring my best to keep up with the account but with all the overdraft fees, its becoming a little harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been contacted by Jefferson Capital System. Ive also explained and also disputed it on my credit report that the account was fraudulent and I had no knowledge of it and asked it be removed It was still not removed and I was also told that it wouldnt be. Im asking that this be removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.

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 2021-01-25
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have escrow account with Flagstar mortgage and they are responsible for my home insurance and property tax, at least that is what they have been doing since i purchased this home in XXXX. Yesterday XX/XX/XXXX, i received a property tax bill that my first installment was overdue, so I called flagstar the following day. They said they have made a payment of {$4300.00} on XX/XX/XXXX which was late and i was assessed penalty of {$390.00}. I asked flagstar to be responsible for this late fee but they refused, stating that " someone '' requested a pay-off on my loan, hence they put a hold on my account. This is very ridiculous since anyone can request for pay-off amount, at anytime, as many times as they want. Im in a process of shopping around for my refinance. I have never once been late on my mortgage, never requested any forbearance even in this difficult time. Both my husband and I are XXXX  and we do not have time to play game with them. I am a XXXX, working long hours dealing with rising number of covid patients day in and out and im beyonf exhausted. Seeing this bill was my last straw. When I was on the phone with the representative of flagstar, case id # XXXX, I asked to be transferred to whomever that can resolve this issue but was told that the department do not take calls or make a phone call. I have a feeling this company and their way of doing business is not transparency. Of note, flagstar was also late on making payment on my home insurance, in which i was notified by my insurance broker and have covered the payment. Flagstar never once notified my by letter or email that they put my account on hold? I mean if that was the case my monthly mortgage should be on hold too then? I am fortunate that i can afford my mortgage but I do feel the need to let the authority know about this matter because many Americans are facing financial hardship and this could be the unnecessary stress on 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 2021-06-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.

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 2023-11-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. TOYOTA MTR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: LEXISNEXIS
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
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:
I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX 4.XXXX/XXXX XXXX XXXX  XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX   XXXX  XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX/XXXX  XXXX 9.XXXX XXXX XXXX XXXX  10.XXXX-XXXX XXXX XXXX 11.XXXXXXXX XXXX 12.XXXX XXXX XXXX 13.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I recently noticed that my identity was compromised and my bank acct information started changing my passwords and fraud withdrawals, charges were made. I moved out of state and my institutions are located on the East coast. I noticed that suntrust, had duplicated my savings acct number, but used a different product name. Also, I started receiving XXXX info, which I called about, ( XXXX XXXX, suntrust ), I never used the service before, and they never told me who or why I had these alerts. XXXX alone has no contact information for me to get answers, and both of my banks didn't tell me anything. I think I was supposed to get money from a trust or some other personal situation, but still have not. My XXXX acct was attached to my suntrust acct, then it was attached to a XXXX XXXX account. When I asked XXXX XXXX, they didn't have anything to say. I feel like someone took control over my accounts, but no one is authorised to do so. I'm not even sure how long they have hacked my accounts, but I need help asap. Everything is freezing up my money, I have to drive from .ca to dc, just to get my money out so I can pay bills. I'm having a hardship, and am trying to correct it before I lose the only security I have. My info, XXXX XXXX, ( XXXX, XXXX ), other last names I've had Last 4 ssi, XXXX Ph XXXX XXXX. ( XXXX ) old number stolen from me since XXXX  2020 XXXX XXXX  XXXX XXXX XXXX, XXXX .ca XXXX Please contact me with any help 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 2023-03-06
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity has been stolen and there has been several attempts to get online payday loans using my social security number. The most recent incident was on XX/XX/XXXX with XXXX. I received a credit alert that someone was trying to apply for a short-term loan in my name. I have put a credit freeze on my credit reports earlier this year from another incident with payday loans. I am worried that these attempts at payday loans are affecting my credit. I am also worried that my Social security number is unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I won my house in a XXXX XXXX, the bank refused to work with me because my name wasnt on the loan. Documents stated that they had to work with me in a timely manner

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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
JPMORGAN CHASE BANK CLOSED MY CHECKING ACCOUNT SO THEY WOULDN'T HAVE TO PAY THE NEW ACCOUNT BONUS THAT I WOULD HAVE GOTTEN FOR HAVING {$1500.00} DEPOSITED INCLUDING DIRECT DEPOSIT. BOTH OF THE LOCAL BRANCH EMPLOYEES DIDN'T KNOW WHY THE BANK CLOSED MY ACCOUNT, WHEN THEY BOTH ADMITTED I HAD DONE EVERYTHING CORRECTLY AND THAT WAS NEEDED. 

THEY SIMPLY BLOCKED MY ONLINE ACCESS AND THEN TOOK SEVERAL WEEKS TO REFUND MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Flexible Finance, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to contact flex from XXXX XXXX to XX/XX/XXXX to pay a past obligation. They can only be reached by email. I was not able to resolve the issue until XX/XX/XXXX. The debt was paid in full. On XXXX, XXXX XXXX Flex finance sent in another report stating that my account was 120 days past due with a balance of XXXX XXXX I disputed this was the credit bureaus with proof and it was resolved then reapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX Said they are changing how cards are paid ( etc ) Told me i would receive new card on or before XX/XX/2021, no card .... then was told it would be mid XXXX ... still no card ... then told mid XXXX for different card, still no card, then told end of XXXX, finally last week of My, Received new card, told to activate and register card, activated same, tried to register, would not take any info, called them. they registered on phone thru customer service,, still can not access card. However they said theyll take payment over phone ... ha. BTW intertest was added throughout time i could not use card ... .. this is unfair credit practices. please make them treat me fairly, i am a senior ... 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 monetary relief