BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: Delta Management Associates, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is against the XXXX XXXX ( hereafter referred to as XXXX XXXX regarding a rent payment to XXXX XXXX XXXX XXXX ( hereafter referred to as XXXX ) that I was already off the lease with when the payment occurred. I believe it is an unauthorized payment that XXXX is unwilling to dispute / revert for me. 

On XX/XX/2022, XXXX 's property manager, a new tenant, and I signed a " Change in Roommate Amendment '' for me to transfer the lease out to the new tenant. Clause 4 of it explicitly stated that It is agreed that XXXX XXXX ( vacating resident 's name ( s ) ) ( hereinafter " Vacating Resident ( s ) '' ), shall be released of all responsibility under the Lease as of XX/XX/2022 ( attachment 1 ). 

On XX/XX/2022, in preparation for my move-out, I paid the remaining balance of {$200.00} with XXXX to XXXX ( attachment 2 ), and then changed my home address on XXXX rent payment setup from XXXX to a new address. On XXXX app, it states that my new landlord isnt currently set up to accept the XXXX XXXX directly without fees, and offered several options to set up, so I assume this is sufficient to cancel the rent payment to XXXX. 

On XX/XX/2022, I received a payment overdue email from XXXX. This is when I realized XXXX had failed to terminate my account and associate the apartment unit with the new tenants account. To avoid any payment, I canceled all autopay setup and deleted all my bank accounts from XXXX account ( attachment 3 and 4 ). 

However, on XX/XX/2022, I received an email from XXXX saying that my rent payment was submitted for an amount of {$1800.00}, which matches the overdue amount ( attachment 5 ). 

I called XXXX customer service immediately. The agent told me that since I have been paying for the same landlord with XXXX since XXXX, if the landlord manually charges me on my XXXX card, XXXX  will authorize it, and the only thing I can do is to ask for the money back from XXXX ( attachment XXXX ). 

I dont believe this is how credit cards should practice. I have done everything I could ( except for closing this credit card ) to prevent the payment that I am not responsible for from happening, by changing my payment setup address on XXXX canceling autopayment, and deleting all bank account information. All these are clear instructions that this rent payment is not authorized. Further, after providing all the details during the customer service call, the agents argument sounds to me like since youve been paying them, we will help you to pay them if they ask for it, even if you dont agree.

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 2020-07-17
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: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2020, I purchased a mattress online for {$430.00} and then cancelled the order. On the same day, Chase showed the charge as pending and left it pending for several weeks and then the charge dropped off but it withheld my money during the entire time. Then on XX/XX/XXXX the charge showed up again on my account. I called Chase and told them that I had purchased and cancelled the order over ~ a month ago. They filed a claim to put the {$430.00} back in my account. However, over the next few weeks the charge was added and removed over 5 times. My balance was high, low, high, low. I also have an account where debits are not supposed to be paid but they paid debits and on XX/XX/XXXX sent notice that my account is {$400.00} overdrawn. They deliberately hacked and overdrew my account by having by having my balance go high, low, high low with a bogus charge for an item that I never even purchased or ever received. This went on for for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I purchased a new oven from Lowes and paid an additional amount of {$160.00} for installation in case the oven did not fit and they had to cut out the space in order to fit the oven. I used our Lowes credit card for the purchase. Lowe 's indicated this amount would be refunded if not needed. When they installed it on XXXX/XXXX/2020 no " cut-outs '' were required therefore the installer indicated the amount would be refunded. I called Lowes at least 4 times to request this refund and they indicated they would address it and never did. Then I disputed the amount with the credit card company which is Synchrony bank and submitted the appropriate " Dispute Acknowledgement Form '' in XXXX of 2020. This was done on-line. To date I have had no response and followed up on XX/XX/2020, XXXX XXXX, 2020 and XXXX XXXX, 2020. I would like my refund that is due to me and a response from the financial institution.

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
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: MO
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:
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 2021-06-23
Company: Experian Information Solutions Inc.
State: IL
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 have contacted all Three Major Credit Bureaus Experian, XXXX  and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.

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 2020-11-01
Company: WELLS FARGO & COMPANY
State: CA
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:
The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

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 2021-09-22
Company: EQUIFAX, INC.
State: CA
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Rocket Mortgage, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XXXX 2020 I applied to Quicken Loans to refinance my home. After the formal application was made and I complied with all documentation requests, I was pre-approved for the mortgage. In early XXXX, about ten weeks after my application was first processed, I was told that my loan application was denied and that I would not qualify for a loan, because I did not meet XXXX XXXX qualification criteria. 

At issue : I hold more than 25 % of the stock in an independent C-Corporation, and that corporation has a negative balance sheet. Quicken Loans is suggesting that having stock in an independent C-Corp with debt is somehow a financial liability to me, which is not the case. That stock is actually a tremendous asset, based on a recent company valuation. For the record, I'm not trying to use that asset in any way to qualify for the loan. 

I have contacted XXXX XXXX and researched their guidelines, and do not see any guidelines that Quicken Loans could be enforcing, but I'm not a lending expert and I can't say for sure that such a guideline doesn't exist. I believe that either XXXX XXXX, or more likely, Quicken Loans is engaging in an unfair business practice that is unjustified, inappropriate, makes no sense, and discriminates against consumers like myself. I spoke at length with several Quicken representatives and ended up speaking to XXXX XXXX, Need Resolution Advocate ( XXXX ). XXXX, like his colleagues, could not explain any rationale for the criterion that they used to disqualify my application other than it was based on either an internal interpretation of XXXX XXXX guidelines, the XXXX XXXX guideline itself, or both. 

I believe either Quicken Loans is misrepresenting the XXXX XXXX guidelines and employing unfair lending practices, or the XXXX XXXX guidelines are inappropriate and unfair to consumers. Either way, I have been harmed by this unfair business practice and I believe other consumers will be or have been harmed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions 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:
Experian : I have sent them documentation of police reports federal documents dark wed usage of my personal information that has been going on sense XX/XX/2006 I get inquires that I have not made on my report they remove them then put them back on with out sending me a letter of reinstatement which is a violation I REQUEST THEM TO REMOVE FOREVER THESE INQUIRES OR SHOW ACTUAL SIGNED PROOF ON EACH ONE THAT I SIGNED FOR THEM. I request that every thing be sent through the CFPB because i'm tired of the games played Also XXXX XXXX was a fraud account I complained for years I have contacted XXXX many times with no response so I dont know how you can validate this as mine XXXX XXXX is not a legal investigation I forword fax letters from myself to XXXX XXXX do have records that Experian removes inquires then puts them back on old report from 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 2023-05-06
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one is showing that I have late payments for the months XXXX, XXXX, and XX/XX/2019. I have tried to contact the company multiple time to fix this inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I recieved a letter from XXXX XXXX of bayview loan Service acting as a agent for XXXX XXXX XXXX XXXX dated XX/XX/XXXX.. I responsed by phone and spoke with XXXX who informed me if I make three payment in a row and complete the HARP Loan appication and meet the aproval process any all pass due amount, fees and penities would be paid and I would have a new start. I made the three payment in a row and completed the HARP loan appication and met the aproval process. I received the aproval Loan Modification in in XX/XX/XXXX and sign the loan modification. I received a letter that said that I own three months pass due. How can I be three months pass due if the modification loan was to pay off any all pass due amounts, fees and penities.I have for the pass three years tring to resolve this matter with both Bayview Loan servicing and XXXX XXXX XXXX XXXX to no resolution.I have always believed that mistakes have been made by Bayview and they refuse to admitt these mistake until resently. I recieved a letter dated XX/XX/XXXX stating that I had been over charged XXXX .Which happen to be the amount of three past due month. I responsed by requesting copies of detail records of the account and a detail explanantion of the facts that lead to the credit balance. Also who authorize that that payment be applied to my principal balance. The pass three years have been very fustrating trying to resolve this matter with Bayview Loan servicing and XXXX XXXX XXXX XXXX. I have passed back and forward by both parties with out resolution. I have been trying to improve my credit score over the passed tens and hve been sucessful. The only derogatory item on my current credit report is the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In bankruptcy our home mortgage was assigned to SLS. I have made XXXX payments and am only due for XX/XX/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's XXXX. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof.

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 2018-08-09
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I do not recall the date, sometime in XX/XX/XXXX or XX/XX/2018. I had advised the company not to call my work, putting me at risk to lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While checking my credit report, I noticed a collection from Sequium Asset Solutions in the amount of {$160.00}. I was never informed in writing about owing this debt. It just suddenly appeared on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions 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:
I contact XXXX XXXX XXXX and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.

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 2020-06-01
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXXXXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation