BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
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:
Im reporting fraud on my credit report. 
XXXX XXXX XXXX is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account 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 non-monetary relief
Consumer complaint received 2018-07-12
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi there, On Thursday, XXXX XXXXI used the XXXX app to transfer funds ( {$170.00} ). When I was placing this transaction I obtained an error through the XXXX app and the funds were never received by the recipient. I went to the XXXX app and there was no record of my transaction, but the money was still drafted from my account. On Tuesday, XX/XX/2018 I called my bank ( The local federal credit union in XXXX, TX ) and they stated that the transaction actually posted and was not a pending transaction or authorization. I then reached out to XXXX customer support and they informed me that the transaction failed and that they money should have been returned to my account. I then spoke back with my credit union and they told me that was not the case, that it was actually debited to my account and that there was no way to cancel the transaction, that it completed. After that, I spoke back with XXXX, this time on conference call with my bank. XXXX informed my bank that transaction failed and the money shouldn't have been debited from my account. My bank followed with that transaction did complete and there was no way to return the money, without XXXX issuing a credit. After about 15 minutes of back n forth conversation the XXXX representative said she would need to call me back after they looked further into it. I didn't receive a call back in what I would consider a timely matter so I called back. This time I was transferred to Tier 2 support where I was told the same things I had been told before, just in a more educated way I would say. The XXXX representative told me she would reach out to my bank and contact me within 48 hours. Thursday, XX/XX/2018 I call my bank and there is no record of anyone from XXXX calling them or any credits, so I reach back out to XXXX. I'm now told that, they don't contact banks and the funds should be returned to my account in 14 days. XXXX says they don't know where the money is and can't offer me any real solutions or even answers. I'm just exhausted after all the phone calls, waiting on hold, and even been hung up on. I hope there is something you can do Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
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:
I want them to delete that from my Credit that affects me my credit they request credit without my authority

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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:
XXXX  still reporting on my credit report closed.original balance was {$2000.00} now {$0.00} was open fraudulent and needs to be officially removed from credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: AR
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 the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from XXXX to my place of employment stating that I owe a debt. Which is false. I called the telephone number referenced above asking for information in reference to the debt and was hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, 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 have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CURO Intermediate Holdings
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2014 someone went online & received a payday loan in my name. Not sure of the amount of the loan, but I am responsible for {$380.00} on my credit report. I am in the process of purchasing a home and this shows up. I have not gotten a loan from Speedy Cash and dont think I should be held responsible. I need it remove off of my credit because it was not me. Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is in reference to my inquiry which I have discussed with CFPB contact XXXX XXXX a few months ago regarding my car loan. 

Inq # XXXX with XXXX I am faxing the original payment stub on monthly payment which should have been {$450.00}. 

However, PNC has been historically exploiting me adding extreme late charges adding first couple of years for an additional amount {$24.00} & subsequently {$36.00}. 

I have paid off all the payments last month on the original agreed contract amount but they have {$2300.00} on top of the penalties I paid monthly and not surrendering my title. 

Now, they are adding more compounded late charges on the amount which I shouldn't be even paying. 

I have contacted their executive office but they are arrogant and not being fair, instead they said CFPB can not interfere on their business or CFPB can not do anything on their business practices. 

I am attaching the payment stubs and evidence of dishonest penalty charges in the name of late charges. This bank has been practicing a cruel predatory lending by offering car dealers on bulk used auto loans from the dealers and changing like bait and switch style adding penalty charges. 

I request CFPB to review and take stern action against PNC bank 's penalty model that they use very dishonestly in order to generate revenue victimizing customers on loans offered for auto or others. 

Thank you and regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: VA
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 XXXXXXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got notice to vacate the house I was renting because the owner was selling. I had 30 days to find a place and move. I didn't have the money for a security deposit or for moving. I was scared to death. I decided to take out a small loan so that I would not wind up homeless. I got an email from MitigCapital offering me a loan. I called them in tears and explained my situation. They offered me {$970.00}. They did not tell me that I would be paying it back @ {$290.00} every other week for 18 payments. That the interest was 643.71 % or that I would be paying {$4300.00} in finance charges. I would NEVER EVER have agreed to this. I signed the loan documents without first taking the time to read the fine print. That was my mistake I know. I am XXXX years old, single, in poor health and can not see to read without my glasses And I could not find my glasses and did not want to tell them to wait in case they changed their mind. I called today because they had taken out a payment 2 weeks ago and today another. That's when I found out they would be taking {$290.00} from my account every payday for18 payments. I can not possibly pay this. It will leave me with no money for food, rent etc. I live on a shoestring as it is. I explained this to the woman and she said " you should have read the loan documents. You signed them and that's just the way it is ''. I don't know what to do now. I am considering quitting my job, closing my bank account and going homeless so they can't find me. I am terrified. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2022-08-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXXBalance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXXXXXX XXXX XXXXXXXX XXXXBalance : {$3500.00}

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 non-monetary relief
Consumer complaint received 2020-12-10
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:
see Equifax attachment please remove it FTC or HIPPS, FCRA violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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 belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-07-12
Company: Tate and Kirlin Assoc
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i pay my mortgage to sps select portfolio servicing. my payment is XXXX a month. because of the virus and visits to hospitals by paying co pays has hurt me. i did the forbearance plan for 3 months.starting XX/XX/XXXX my thought was those payments totaling XXXX would go to the end of loan. sps wants you to pay the XXXX plus XXXX for XXXX.alot of other mortgage companys are doing it right. all i can pay is the XXXX for XXXX. this could put me in forecloser. when trump put this program together he said alll payments would go to end of loan.otherwise i would have not done it. please help if you can! this may be price gouging!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Complaint XXXX, Navient stated in their resolution that they would not contact me via auto dialer but did so again on XX/XX/XXXX at XXXX XXXX. Also request from validation was made and has not been full-filled. Company threatens via mailings to place negative reports on credit report during validation/investigation process all violations of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated XXXX XXXX Credit line inquiry on XX/XX/XXXX - called and company will close application XXXX XXXX XXXX Credit line/loan inquiry on XX/XX/XXXX - Successful- charged {$610.00} loan - company submitted fraud application to be investigated by company JP Morgan - Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: NV
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:
CRA violation no knowledge inaccurate name, address, telephone and unauthorized inquiries that I did not recognized appear on my Experian credit 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 2018-04-01
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the 2nd time I'm submitting this claim because after I submitted it before under complaint # XXXX. The feedback was to follow up directly with the company. Not only did I reach out the company yet again with a letter, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies. This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Sent the attached letter via mail on XX/XX/2021 to Transunion Credit Agency to have them investigate and remove an inaccurate account. As of today I have not heard a response. This company failed to investigate and remove an inaccurate account from my credit report in a timely matter. I also did not receive an updated copy of my credit report as requested.

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 2020-08-31
Company: Bread Financial Holdings, 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 is missing that should be on the report

Complaint:
Comenity Capital Bank is not providing my Visa account information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.

Company response to consumer: Closed with explanation