BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX Company Inquiries : 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 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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX Company Inquiries : 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 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 2023-08-31
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo Bank reporting negative reporting on my credit reports despite DC police report,XXXX. XXXX XXXX report that shows fraudently charges.

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 2018-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND 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 explanation
Consumer complaint received 2020-04-18
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
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 received 13 sperate statement in the mail at the end on XX/XX/2020. They all listed an open different account number for each statement which where opened by an identy theif. I havent even researched anything from Charles Schwab and no nothing about the Finiacial company so i had no idea there were myltiple accounts opened under my name with no phone call or email to confirm that these accounts where opened, to at least verify it was me who wanted these 13 accounts opened. When I received the 13 statements in the mail, I realized i was a victim of Identity Thief and tried to find out why these account where opened. so i call the number to Charles Schwabs accounting to find out about these accounts, they cousnt give me any information on who opened these accounts. But I request that all accounts be closed immediatly and to have him contact the 3 credit teporting agencies that I didnt open these and to erase the negative inqury. Now i have put a credit freeze on all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX USBank started offering an Elite Money Market Account for deposits over {$25000.00} as a variable account. When the interest rate changes ( goes up ) it doesn't automatically do this. You have to contact the bank and ask for an exception to increase the rate. This isn't right as if the interest rate goes back down, I am sure it would happen immediately. I have contacted the bank several times and asked for exceptions and have received that but there is time lost waiting for them to do that thus less interest earned. This happens on the first accounts when offered that are opened and now if you open a new one account it is automatic. It doesn't seem like a stretch to make all the accounts automatic immediately. It almost feels like discrimination.

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 2018-11-02
Company: EQUIFAX, 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:
Ally pulled credit reportXX/XX/18 through Equifax and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with Equifax there was no fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I never signed any contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.

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 2020-07-14
Company: AMERICAN PORTIFOLIO MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When COVID hit and mortgage companies were offering relief options I inquired with my lender, American Portfolio Mtg, however all they were offering was a few months of a break with a balloon payment at the end. This wouldn't do me, nor anyone experiencing a hardship any good. If I wasn't able to make a XXXX payment in a month what makes them think I'll have XXXX dollars 4 months from now? So I said " No thanks '' and it didn't make sense for me. 

Fast forward to last week when I'm applying for a new loan on an investment property and the lender tells me they can't give me a loan because my current loan is in forbearance. I was shocked and furious and called AMP. I was told that my loan had indeed been put in forbearance and that to come out of forbearance it would be around XXXX. That money wasn't an issue and I immediately wired them to bring my loan current through XXXX. The problem is that they put my loan in forbearance and now it shows that I wasn't able to make my payments. They advised me that they just turned off my ACH on my bank payments and that they get 10 calls a day from people in similar situations that were put into this program without their consent. 

Now I am unable to get a loan until AMP produces a letter stating that I did not agree to enter forbearance to resolve my issue with my current lender. Is this something that I can sue for?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Exeter Finance Corp.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been trying to negotiate a settlement with Exeter Finance Corp. since XX/XX/XXXX. Exeter Finance Corp is now trying to repossess the vehicle XXXX XXXX XXXX with XXXX miles. I original purchased this vehicle in XX/XX/XXXX. I have slow payments throughout the life of this loan but in XX/XX/XXXX to present has triggered a series of events financial issues. My mother was diagnosed with XXXX XXXX, then XXXX XXXX in XXXX. My son was repeatedly XXXX  and his son was birth and care of in XXXX. My daughter suffered XXXX  XXXX  issues in XXXX. My father was on XXXX XXXX in XXXX. My mother was diagnosed again with XXXX XXXX and my father passed away in XXXX. I should not have to detail my personal issues of my family and life not to mention I had several periods after purchasing the vehicle of underemployment and unemployment. Despite all of these factors I have been a loyal customer communicating with Exeter Finance Corp and paying on my loan.

Based on the telephone conversation with Exeter Finance Corp, I have compared their company records against my records. Their staff personnel advised the original contract total amount would have paid Exeter Finance Corp {$41000.00}. According to my original documents and the total value of the car was {$24000.00} and the total financed amount was {$14000.00} which equals {$39000.00}. Their staff advised I have made 73 months of payments on this 72 month contract and total payments made are {$40000.00}.

Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: NC
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 just got a copy of my Experian credit report that shows a hard inquiry from : XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, NY XXXX The previous inquiry ( XXXX - XX/XX/19 ) before this one was from a bank I know about and applied for credit from. I don't recognize XXXX and did not have any reason to apply for credit sinceXX/XX/XXXXXX/XX/19. 

I suspect identity theft and attempt to open an unauthorized account in my name.

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 2020-07-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was through XXXX. It was sold to XXXX & now Im stuck with PHH Mortgage. I was unaware of the many problems with this company until they sent a letter dated XX/XX/2020 claiming that FEMA had recently mapped my property into a Special Flood Hazard Area. I thought it must be a scam since I live on a hill. They are force placing flood insurance, even though I have sent many documents showing I am not in the XX/XX/2020 FEMA SFHA. I have applied for a LOMA from FEMA, but I did not do this from the beginning because FEMAs updated online map clearly shows my property in a low flood risk area. PHH wants me to provide an Elevation Certificate at my expense which I am unable to procure anyway because it can not be done for a property that is not in a flood zone according to XXXX XXXX at XXXX XXXX XXXX XXXX, surveyor XXXX XXXX XXXX XXXX County Flood Plain Administrator, XXXX XXXX. I have provided my correct Community #, property ID # s, my Recorded Deed as well as other documents including a flood determination & property exhibit from XXXX, maps from engineers & my appraisals from the XXXX County Appraisal District. PHH is refusing to send a flood determination to XXXX so that I may purchase insurance from the provider of my choice. I started asking for this document on XX/XX/XXXX when I first learned it was needed in order to even get a quote for the high risk flood insurance. XXXX requires this document when a mortgage company claims a property is in a different zone than what XXXX & FEMA states. It is nearly impossible to get a live person on the phone at XXXX. I have been passed from agents to managers to supervisors to researchers with great difficulty on my part to even get past the first call-taker. They rarely call back, they have given me direct lines that are not answered & /or disconnected. Employees that have promised to see my case throughare suddenly no longer with the company. All of this easily took the 45 days they gave me to either dispute my case or purchase my own insurance before they choose their own & start charging me for it. Now they are charging me for insurance that I have no proof that is needed, do not know what company is providing it or what it covers. XXXX is aware that I have lost my job due to COVID & that this policy abuse will make it more difficult for me to continue to pay my mortgage. I have never been late or missed a payment. I would have refinanced a month ago to be free of XXXX if I were able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-06-28
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Frontier airlines denied our claim after we canceled a flight and had trip insurance. We are entitled a refund {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I applied for a free report from NCTUE, spoke to a representive, but they could not find any report. I received a letter indicating that negative information had been added to my report but NCTUE was not able to provide the report. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Deinde Online Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2023 received email from Integra Credit advising my loan application had been denied. Same day I forwarded the denial email to their customer support requesting I be provided with the specific reason ( s ) my application was denied. Confirmation receipt of my request was received separately via email. 

As of today, XX/XX/2023, at XXXX est, Integra Credit has failed to respond and/or provide the information requested. All supporting documentation has been uploaded with this complaint to verify the validity of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: BELMONT FINANCE LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Company as reported to my Credit profile 2 late payment in which I dispute Please Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.Futher more when I sign up I had a contract with the Company XXXX  and they called this company and sign me up with Belmont Finance LLC .

According to Congress, 15 U.S.C. 1681a to XXXX if Congress said that your consumer report does not included Transactions or Experiences between the consumer and the person making the report The line of Credit at what you use is a transaction. Transactions are payment histories, My Experience is the line of Credit, So if the consumers report does not included Transactions or Experiences where does this late payment on my report from this company comes from. It does not exist according the please remove.Consumer report.

( 1 ) In general.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-06-28
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
XXXX financial sold my mortgage to Chase on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted chase at which time the payment was already late. Chase told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.

Company response to consumer: Closed with explanation