BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: FL
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:
Second attempt at resolving the issue. 

As I received a current Equifax credit report I noticed that they are reporting fraudulent inquiries from XXXX XXXX XXXX  cards I have never authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax has not contacted me in over 30 days for some and XXXX XXXX XXXX has contacted me stating that they are going to be removed. I have not seen any updates to Equifax. Both companies are not in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone hacked my XXXX and XXXX account. I did not make the purchases. I poke to XXXX and was told it was fixed and I would not be liable for the charges. I have now received a letter from a debt collector stating if I do not pay I will have a judgement on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion is still reporting an account called XXXX  that I disputed back in XXXX, XXXX deleted the account, Creditors send out the same information to all CRAs, All CRAs must reported the same accurate information, attached is a copy of XXXX stating that XXXXXXXX XXXX XXXX is not currently reporting on my consumer 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
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 not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
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 is missing that should be on the report

Complaint:
Transunion currently shows no credit history for me and my credit score is XXXX. I was unable to address the situation on line because they could not find my account. I was required to submit everything by paper and to date I have not received a response.

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 2020-10-31
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I have spent 3 months contacting creditors and credit agencies for late payments that I made and have confirmations and bank statements for. I had several corrected with XXXX and I uploaded the creditors removal fir XXXX  and experian still has the accounts Ive worked so hard to correct as late or not updated! I dont know what else to do.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputes on XXXX XXXX and today XX/XX/XXXX to XXXXXXXX XXXX and transunion. They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into 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 2023-01-14
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2021-02-10
Company: GreenSky, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2020, I contracted with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' XXXX XXXX ) to replace windows and 2 doors in my house in XXXX XXXX NM. They set up 18-month same-as-cash financing with Greensky of XXXX, GA as part of the sales incentive. Payments were supposed to be 50 % to start and 50 % at completion. In XX/XX/2020, due to bad experience with XXXX, I asked for a hold to be put on the account to stop any more payments to XXXX. Greensky agreed, placed the hold, and has always agreed the hold was placed. However, on XX/XX/2020, Greensky paid XXXX the second 50 %. At this time, XXXX had not satisfactorily completed the work. I had not been contacted by XXXX claiming they had completed the work. There were still 2 significant problems with the work. I was not contacted by Greensky either, asking to lift the hold. After several failed attempts to fix this by phone, on XX/XX/2020 I sent an email to Greensky followed up by a letter on XX/XX/2020. XXXX XXXX of Greensky responded to my email and opened an investigation. On XX/XX/2020, XXXX called me to say that the investigation found that I had signed a document attesting to the completion of the work ( which I absolutely could not have since I have had NO contact with XXXX since XXXX XXXX and that document allowed them to lift the hold from my account. As of that evening, the disputed charge had been added back to the account. 

I asked XXXX to forward the document she said allowed them to pay, but have not received any reply. I also managed to finally contact XXXX XXXX XXXX XXXX XXXX who said they would try to get the problems fixed and would send the documents that allowed them to take the final payment from Greensky. I have not received any copies of such documents at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SERVICEMAC, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i applied for financial assistance with rhe homeowner association fund back in XX/XX/XXXX my application was finally completed XX/XX/XXXX during this process ny mortgage company service mac denied receiving important documents to process my application which may it impossible to complete in a timely matter on XX/XX/XXXX XXXX the home owner association fund made a payment for XXXX on my behalf to cover XX/XX/XXXX payment there stating they haven't received it despite having a copy of the confirmation number i have also received collection calls regarding this payment and also im at risk of being reported over 30 days late to the credit bureau in addition i was reported late back in XX/XX/XXXX which in fact in place my mortgage in forbearance to avoid this situation i have been reaching out to my mortgage company for almost 3 weeks at least 2 times a week trying to resolve this issue i really need help getting this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: WI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report is frozen. Recently I applied to XXXX for cable and internet service. Although I did not lift the security freeze, Experian provided to XXXX information from my credit report. What good is a security freeze?

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 2018-04-08
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: Account information incorrect

Complaint:
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: T.S. Holdings
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe any debt to my prior landlord ( The XXXX XXXX XXXX XXXX  in XXXX, IN/XXXX  XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. 

In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency ( IQ Data International ) and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with IQ Data International. My mail was returned because IQ Data International moved and left no forwarding address. I sent my communications to the address IQ Data International provided the credit bureaus and includes on their correspondence to me. IQ Data International is being intentionally evasive. 

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and IQ Data International has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Further pursuit of this debt violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. Pursuit of this debt constitutes fraud and harassment by my former landlord. 

I am not attempting to purchase a home and this item is increasing the interest rate on my mortgage. Please note, I am an attorney. Your assistance is much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS never did anything other than attempt to take my home force foreclouser on me they are thief Disunest and crock They have law suites against them for doing the same thing they doing with me sale peoples home Cfpb too easy do some thing SLS send creeps to my property to take picture they hid in the bushes and around my property when I go outside they ran away I cant leave my home

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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 fair credit reporting act XXXX XXXXt number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Bank Of America

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.

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 2021-05-28
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
on XXXX, XXXX, I had been approved for a mortgage from Jersey Mortgage company located at XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Therefore, the closing was scheduled to be held on the XXXX of XXXX. As the seller and I were waiting, 3 days before the closing date, the loan officer has delayed it to the XXXX of XXXX. Thereafter, on the XX/XX/XXXX. He failed to do it and put it on the XX/XX/XXXX then on the XX/XX/XXXX. So the seller didn't agree to give any extension and terminated the contract. I did ask the loan officer the main cause of the contract termination. He told me at first, to pick a ready to move in house next time because this one has to much repairs. When I reported the issue to the CEO of the Mortgage Company , The loan officer got upset, yelling at me, screaming over the phone saying I wasn't supposed to report him. He said again that my lawyer was asking him to terminate the contract. He gave me 3 different reasons that made me confused. In fact, I spent {$2600.00} in home appraisal, cert of occupancy and inspection. 
I did ask him to reimburse me those amount since I wasn't the one who backed off the deal. He said no, and my lawyer didn't take any action even I asked him to do so. 
I hope you understand my complaint and will do the best you can to get an answer to this home contract cancellation matter. thank! I can be reach out at : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was hacked! XXXX XXXX opened in my name & money taken from my checking account w Chase, amounting to {$6400.00}. Money was transferred from my XXXX XXXX Account. Wen i found out about it, money was gone! XXXX found & scrubbed spyware from phone. Checking my XXXX XXXX XXXX account. Believe they hacked that too! Have paperwork chase sent me, so send me ur address & ill mail it to u

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ford has failed to validate the debt and address the multiple discrepancies in their lease agreement. They have disguised a consumer credit contract as a lease agreement and have not specified whether this loan was a purchase money loan or a financed sale as per TILA and Regulation Z requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CITIBANK, N.A.
State: CA
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:
In my XXXX XXXX Credit Card XXXX, issued on XXXX XXXX, XXXX in addition to my normal purchases I found unauthorized charge for {$11.00}, showing in statement as XXXX XXXX   XXXX. I did payment of my authorized due balance and disputed this {$11.00} charge. XXXX phone agents did not accept that the charge was done by their affiliated insurance agency ( though on web there are many fraud alerts on this scheme ) and decided to replace my credit card due to fraud activity. In reply to my XXXX XX/XX/XXXX dispute I was informed that my dispute was properly accepted for processing ( I have same day email notice confirming that ) and I should pay any due amount except the disputed balance. Since I had no any overdue payment I was assuming that the issue would be properly resolved soon and new card would arrive. What was real surprise for me is receiving next statements indicating the same charges plus some other charges applied to this unauthorized charge, plus new small charge of {$0.00} form the same XXXX XXXX XXXX, dated XXXX XX/XX/XXXX. 
After XXXX months no dispute resolution notices were received from XXXX. When I called to customer support on XX/XX/XXXX the agent rejected to provide any reasonable explanation for the situation and was trying to forward me to this XXXX XXXX ( which I do not now who they are ). In fact, XXXX instead of resolving the disputed transaction is trying to protect someone's interest ( which assumably is affiliated with them XXXX and continuing applying same charges and more additional fees. After understanding this fraudulent scheme : illegal credit card add-on practices by XXXX on XXXX XX/XX/XXXX I had requested closing my account immediately. Since XXXX is non-responsive on this issue and this situation may affect many consumers I had no choice but applying to CFPB for resolution of case.

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 2018-03-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced several of my federal student loans through another lender ( XXXX ). A payment to close out those loans was sent to the loan servicing company on XX/XX/XXXX, but was applied incorrectly across all my loans instead of paying off the specific ones noted on the paperwork. On XX/XX/XXXX, I called federal student loan servicing to ask for the allocation to be adjusted to match what was sent from the refinancing company. They submitted this and told me it would be resolved in 7-10 business days.

After the 10 bushiness days had passed, I called again on XX/XX/XXXX and was told that this was still in process, but would be escalated to a supervisor and resolved in 24-48 hours. As of today, XX/XX/XXXX, the loan allocation is still not resolved. I did call again on the XX/XX/XXXX, but was told that it was in process and would be  resolved soon. 

In the meantime, I've had to make another full loan payment, which is going towards loans that should no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Paysend US LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I have been trying to send money for a week with this company, they have withheld the money for supposedly verification. Every day they have asked me for something different to send a photo of myself, to send a photo of my cards. I asked that I take a photo together with the cards, that I send a birth certificate, that I send proof of life and a number of other things that I think this company is a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation