BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.

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 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A collection account I disputed with XXXX XXXX was resolved by their deleting it from my credit report but instead of it showing increase in my credit rating, it showed the opposite, this I believe must be an honest error in reporting on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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:
XXXX  and Experian are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account XXXX  XXXX XXXX  is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX  XXXX  is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX XXXX is  fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX  XXXX   is fraudulent on my credit Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX/XXXX/2018 I attempted to use my personal credit line with them to send a payment and they denied it even though I had the credit with them. They said it was for security reasons and could not over ride it. They would give me no reason why and why I can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I no longer can put my hands on the date information, but we were mistreated by XXXX after my husband had suffered XXXX. I called XXXX numerous times asking whether we could get the assisstance others were getting and were told that " you're doing fine, just keep paying. '' We hired an attorney who gave us what turned out to be unlawful. He is currently being kicked out of the Florida XXXX. On the advice of that attorney, we Quit Claim over to a man who illegally leased it without ever paying XXXX a dime which turned out to be illegal. Of course, we would have preferred to keep our beautiful home, but the treatment we got from XXXX. They caused us to go through my husband 's retirement cash as a result of their behavior. I reported all this to Consumer Finance about a year and a half ago, but we never heard anything about the judgement against them to pay people like us a dime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jon Barry & Associates , Inc DBA Paragon Revenue Group are debt collectors attempting to collect a debt on behalf of XXXX XXXX I have not received from them. I am not a party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to Jon Barry & Associates , Inc DBA Paragon Revenue Group. I have no idea how Jon Barry & Associates, Inc DBA Paragon Revenue Group received my private medical information. Jon Barry & Associates , Inc DBA Paragon Revenue Group have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Jon Barry & Associates , Inc DBA Paragon Revenue Group continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: MA
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:
The victim discovered on XX/XX/XXXX on her Experian credit report a fraudulenXXXX XXXX XXXX XXXXXXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).

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 2022-08-09
Company: Debt Recovery Solutions, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered a collection account on my credit report from Debt Recover Solutions for a XXXXXXXX XXXX loan in the amount of {$1300.00}. 
Ito Debt Recover Solutions for all information related ot his debt which i dispute have received no response. 

By way of background we filed a complaint agains XXXX XXXX ( a tribe payday lender ) for for unfair lending practices with the United States Consumer Finance Protection Board ) back in XXXX after paying back a payday loan in full with interest and receiving another demand by XXXX for another 100 % payment. After receiving the complaint notice from the CFPB XXXX reached out to me and indicated they would be dropping the the additional Interest request and they would consider the matter dropped and account paid in full if we would mark the complaint at the CFPB as satsified -which we did. 

Thus is was surprising to receive the collection notice in defiance of our agreement five years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 through my Chase bill pay I requested Chase send {$170.00} to the XXXX XXXX XXXX which a payment is sent every month. 
I get a bill from the city showing they never received my payment I contact the city and they confirm there is an issue with Chase and for me to contact them. I do. I file a claim with Chase Claims dept XXXX. I go to a Chase branch and talk to manager XXXX and he confirms Chase did mess up sending the XXXX XXXX XXXX the payment and sent to the wrong merchant. he asked me again to file a claim to get my money back since it was sent to the wrong merchant. I call claims again and they said there is nothing they can do the payment was sent. I don't even know who to talk to to get my XXXX because of their mistake. I have spent over 3 hours on hold with Chase trying to get this fixed. Chase has no department for customer service assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX   and setup my auto pay with their loan XXXX Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated a refinance with a cash out with Caliber Home loans XX/XX/XXXX. Everything went fairly smoothly until the third party title company, XXXX  XXXX, who Caliber selected to handle the paperwork, became involved. 

First, the paperwork was a mess. As part of this process, we were removing my ex-husband from the deed. He wasn't listed on the prior loan, or on the refinance, but he was still on the deed. When the notary showed up with the paperwork, instead of removing him from the deed, they listed him as a borrower and they had the closing costs listed incorrectly. I get it ... mistakes happen ... so we scheduled another appointment to sign the new paperwork. Except, it was still messed up. In total, the notary had to come three times ... my ex and I had to take time out of our day and try and coordinate our schedules ... it took in total 3.5 hours of our time just to deal with the paperwork with the notary. I am glad my ex and I are on good terms ... can you imagine how difficult that might have been if we weren't?! 

I received notification that the loan had closed and funded on XX/XX/XXXX a little after XXXX, and that the funds from the payout would be wired within 72 hours. I conservatively set the deadline for when I should see funds in my account at end of day on the XXXX, which was 3.5 business days, well over the 72 hours. At end of day Monday, the funds had not been transferred. I reached out to Caliber, and was notified they were looking into it. On Tuesday, I reached out again and was informed it was escalated it to management. 

It's now the XXXX. I spent 3.5 hours this morning trying to figure out what is going on and where my money is. XXXX XXXX told me it was a COVID-19 related delay at my County Recorders office, but that they had received a notice yesterday that it was recorded and I should receive the funds today. To confirm, I called my County Recorders office, who informed me that was not the case, the paperwork HAD NOT been recorded but rather had been rejected, and it wasn't in line for recording. At this point, I then called and talked to XXXX XXXX at XXXX XXXX, and I did a three way call with my County Recorders office. The guy at the recorder 's office let her know what is going on, and she was going to get in touch with the recording team to resolve. 

I have no idea when it will be resolved, however, in the meantime, I am paying interest on two loans, and I still don't have the $ XXXX in my account that should have been there two days ago. It appears everyone involved from Caliber to XXXX  XXXX is satisfied with sending me emails that they have " escalated to management '' and apologizing for the delay. 

IN CASE THIS IS TLDR ... I STILL DON'T HAVE $ XXXX IN MY ACCOUNT THAT SHOULD HAVE BEEN THERE TWO DAYS AGO!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, I was checking my balance on the MC card ( No. XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha ), and asking about any special offers. I was told be banks representative that one special offer entailed making a purchase over {$500.00}, which I could pay back without incurring interest within 12 months ( or, by XX/XX/XXXX ). With this information, I made a large purchase at the end of XX/XX/XXXX. I would not have made the purchase otherwise. 
First two statements after the purchase showed no interest. I called again in XX/XX/XXXXto confirm that the offer was indeed real and correct. I spoke with a male representative, who checked with the supervisor and confirmed my understanding of the offer ( i.e., no interest until XX/XX/XXXX). 
When the next statement came, however, it showed an interest charge of {$380.00} ( or, 18.24 % ).  This was unexpected. Fearing that an error was made, I called again, but this time I was told that there was no special offer! 
So after two phone calls telling me there was a special offer I suddenly got news that there was no offer. ( It should be noted that at the end of XX/XX/XXXX, there was change regarding XXXX MC initiated by the bank. ) I am repeating that I would not have made this purchase if not for the offer information I was given by a banks representative in XX/XX/XXXX. The bank recorded the phone calls, so they should have those available as 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 monetary relief
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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 Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these 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 non-monetary relief
Consumer complaint received 2018-01-25
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX  and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX   XXXX  XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

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 2019-07-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I called in TDBank for support for disputing a charge. Call attendant said to called again at another time when charge gets posted officially, refusing to help to dispute charge or leave instructions to dispute later, requiring me to call again. 

On XX/XX/XXXX, called in twice, both call attendants refusing to help. On first called, the call attendant refused to help after 5 questions of authentication and refused to get me help, wasted 20 minutes. On second call after an hour of wait, attendant said the account is locked and refused to help on my charge dispute. 
There's no consumer protection at TDBank to help dispute erroneous charges. There's a setup to deter and discourage customer complaints. 

For three calls in total, a strange run-around setup and can't get anything done. 
Please provide heavy fines for this corrupt institution. Do not use TDBank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: EQUIFAX, INC.
State: OH
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 have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and listing wrongful information and I am sick of being told it is vaildated and violation of my rights keep happy. Al the dates are inaccurate of last payment or date closed or date open or account type or even who the Original creditor is you keep stating u vaildated this account but how if it is still reporting inconsistencies and this needs DELETE of this ACCOUNT NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Toyota Financial Services has an auto draft option that I have set up on their website. My last payment on the invoice was {$660.00}. Toyota Financial Services draw drafted incorrect amount of {$660.00}. Therefore, there was an overpayment of {$0.00}. I understand that it is a small amount but that is still my hard earned money. At the same time, it is their system 's fault that it drafted the incorrect amount. I contacted their help support XXXX times and in their latest response, they stated that because the money is less than {$1.00}, they refuse to send a refund check. If this is the case, this is not a good practice. If they have a system issue and decided to OVER draft millions of customers. 
XXXX XXXX or any small amount less than {$1.00}. If they overdrafted XXXX XXXX customers, that is potentially up to $ XXXX they are KEEPING because they refuse to send a refund check for less than {$1.00}. That doesn't sound right to me. They should FIX their system OR refund every penny they INCORRECTLY drafted from customers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Manhattan Beach Venture, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted XXXX/2016 stating that I had to act fast because president obama term was ending. They stated that they could help me repay my loans possibly not paying anything under the Obamas act. I was told that I made so little that I had no payments and that I would be charged $ XXXX mo for their service. They said they would sign me up and take care of all paperwork. I asked if I could cancel at anytime and they said yes. I asked what my apr would be at and they said 2 %. I asked if it would effect my payments when I got married and they said no. They told me that I do not claim my husbands income on the forms. I have been paying $ XXXX/mo for 1.5 years now. I have called and complained about how I have been told wrong info. You can never get a hold of anyone. No one wants to take credit for the information I was given, and come to find out the employee has been fired that soldy me this scam. I asked to be let go and cancel, they told me I still own them {$1100.00}. This company is a scam and ripping off young adults left and right. Someone needs to stop them! 
Company : Manhattan Beach Venture Employee : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation