BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MI
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 informed a few years ago that my information was compromised via the XXXX datat breach. They offered me a lot of free this and that but never took the accounts off.

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 2021-10-11
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted equifax numerous times to remove unauthorized inquiries. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got 1 payment behind in my mortgage so I was making additional amount each month to catch up. I had done this in XX/XX/XXXX & XX/XX/2019 with the final one to be done in XX/XX/XXXX. My monthly payment is XXXX and for those 3 months I was making a payment of XXXX which was the normal payment of XXXX and 1/3 of the missed payment. 
The XX/XX/XXXX payment was made twice. It was my error but I have not been able to fix the issue. I received a letter from Shellpoint stating that they would be refunding me the XXXX extra that was made in XX/XX/XXXX. It has never happened. They call me constantly asking for my payment and I keep explaining that they have my extra money sitting there. Finally at the end of XX/XX/XXXX I asked them to apply the XXXX to XXXX 's payment and the extra XXXX to XXXX 's payment since they were not making good on the letter stating the money would be refunded to me. They call me on a daily basis to ask for my payment. I received a call on XX/XX/19 stating that I still owed an additional XXXX. I asked if this would make me current through XX/XX/XXXX and they stated that it would as the extra money was from the original overpayment. I paid it over the phone and the amount has come out of my bank. I received a call again today asking me for my XX/XX/XXXX payment. When I tried to explain the situation yet again they can not see where any of this happened and I was put on hold for quite some time so the person could " talked with a manager. '' I am over the incompetence and stupidity and I want my account fixed. I have attached the original letter I received from them explaining that the money would be refunded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 didn't authorize in of the following Hard 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23
Company: AES/PHEAA
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a private student loan on my credit report under XXXX ( XXXX ) and XXXX XXXX ( XXXX ). This loan is from XXXX XXXX XXXX. I was unaware that the loan in question was in default as I was a cosigner on a student loan intended for another person. It was only until recently I 've looked up my credit and started repairing it. I was told by a mortgage agency that I would have to get this loan resolved. I have called multiple times and sent them an email ( XXXX ) over their website requesting contact in an attempt to reach a settlement and begin repayment. I have not been able to talk to anyone by phone and received no response to my email inquiry. The mortgage agency also attempted to call AES/XXXX on my behalf with no answer. There are no other numbers listed on either credit report. Under comments it simply states written off as bad credit/sent to collections. With no information on how to contact said collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
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 logged into my Equifax account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. All credit cards listed are not mine except for one. First, I called Equifax and explained my situation. Equifax asked me to fax them a letter, a copy of my driver 's license, and a copy of my social security card. I did that, and the sent a letter to me saying they could not verify my identity. I confirmed that my identity is mine with the Social Security Administration and that my social security number is not tied to anyone but me. I opened a dispute through the CFPB to have this fixed. Equifax asked for me to mail them copies of my driver 's license and social security card. I mailed them to Equifax. Equifax then changed my social security number on my account, but did not resolve any other issue. Equifax then closed my case with the CFPB although my problem was not resolved. XXXX has all of my information listed correctly. My identity is easily verified by the Social Security XXXX. I do not understand why Equifax can not fix this issue. I want my information to be listed correctly on Equifax and my credit report. I do not want someone else 's account affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Leased a vehicle from Acura of XXXX on XX/XX/XXXX, On or around XX/XX/XXXX, I decided to go to the dealership and inquire about purchasing the leased vehicle two months before lease contract was up. Residual value ( buy out price after lease was up ) on original term lease was at {$30000.00}. The payoff amount on XX/XX/XXXX was {$32000.00}. The deal was done and I was informed that the bank had agreed to the loan and I will now be financing said vehicle. Dealer listed new cash price of {$39000.00} ( including the tax ) on the new finance contract. I do not understand how this amount was generated as the loan for the buyout on the lease was {$32000.00}. That is a difference of around {$7000.00}. I did not agree to any other number and was well aware what the buy out price was. I did agree to an extended warranty and I know there were dealer, DMV fees involved so I didn't think much of it when I signed. After now reviewing this contract I see that none of those fees I just mentioned above are even incorporated into that {$39000.00} and were then tacked on to make the new loan amount to {$41000.00}. They are very pushy to get you to sign and did not even give me a copy of the contract on that day. I did not even get to see contract again until recently when I was able to look at me account online. I am now paying around {$70000.00} for a vehicle that was leased to me at a price of {$48000.00} back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-05
Company: FIRSTBANK
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 banked with FirsrBank a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on XXXX and I would really like to get this resolved & removed from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry could stay on your report untilXX/XX/2020. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX ( XXXX ) XXXX I never opened a loan with wells fargo. This hard inqury is incorrect and should not be 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 2022-04-05
Company: Social Finance, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received an email stating that I had opened a Checkings and savings account with SoFi bank. Then i started receiving emails that i was making transfers from this account to someone named XXXX XXXX XXXX. I also received an email stating that I had just recently updated my profile information with a new contact number. I immediately called the bank, let them know that this was not me, and they restricted the account. They gave me a number to a fraud investigation team but every time I call, they are always with other customers. I pulled up all three of the major credit reporting agencies and found inquiries from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Chase bank never acknowledged my fraud claims and shut down all my credit cards. I feel this is very unfair I will take the bank to court for small claims if they do not write me a cheque for XXXX dollars that I have been charged in fraud but never was credited,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has XXXX XXXX XXXX. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2021-10-11
Company: Rent Recovery Solutions
State: NY
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:
Rent Recovery Solutions Disputing a collection amount of {$160.00}, original lender is the XXXXXXXX XXXX XXXX XXXX  The Collection agency is Rent Recovery Solutions. 
Disputed charges with XXXX on XX/XX/XXXX and called Rent Recovery Solutions and XXXX XXXX XXXXXXXX XXXX. 

The XXXX XXXX XXXX XXXX told me that they would call the Collection agency to get the account removed since I never lived at the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw a collection from : ( Creditor Information : CARTER-YOUNG, INC/ADV ). // * ( Original Creditor Name : XXXX XXXX XXXX ) * ( Balance : {$1300.00} ) I do not have contract with this company, and these clowns are trying to make me pay for a Debt I don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: AMERICAN EXPRESS COMPANY
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:
I am an American Express Platinum account holder. As one of the benefits offered by American Express as a Platinum Card holder is Travel arrangements provided by American Express. On or about XX/XX/XXXX I used their services, on-line, to purchase an emergency flight and hotel accommodations. Within 24 hours of making this reservation, I called American Express Travel directly at approximately XXXX XXXX  XX/XX/XXXX to inform American Express Travel Agent to cancel the entire arrangement. The agentwho took y request, in my opinion, was extremely agitated which I assumed was due to the XX/XX/XXXX travels. Nonetheless, this Customer Service Agent at American Express Travel forgot to cancel my flight with XXXX XXXX. I was charged for {$690.00} for her error. I have made two previous disputes. The first was denied because I did not provide appropriate documentation, with the second I was able to provide names, date and even spoke with a supervisor who acknowledged the agent did not cancel the flight reservation. This supervisor has the transcript of my call requesting the cancellation. 
I was informed XX/XX/XXXX that my dispute was denied because I did not cancel my flight directly with XXXX XXXX. I did not have a ticket or confirmation number from American Express Travel since the arrangement was made directly with American Express Travel within the 24 hour  cancellation policy. The Agent did mention that the XXXX reservation may not be refundable and I informed her as a XXXX XXXX member all reservations are refundable. I called XXXX at spoke with the night manager and he assured me the cancellation was not a problem and neither I or American Express would be charged since the cancellation was made less than 24 hours from being made. 
This American Express Travel Agent was responsible for cancelling my flight. She did not cancel as instructed and now I am being charged for her error. I did not deal directly with XXXX and had no information to provide to XXXX. 
I was also told by an American Express Supervisor this evening that American Express Travel has  no affiliation with American Express Credit Card Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Deutsche Bank
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am trying to help my mom transfer money she has in XXXX to the USA. It is currently in her Deutsche Bank account. I can not get a wire transfer to the US to work. However a transfer of some funds within XXXX is no problem. So moving it to the US is the problem. I have spoken to the banks on both ends of the transaction and they say they try but it will not go through. this leads me to believe that the US treasury or?? is blocking this. Mom is XXXX and may not have declared the origin of the money ( sale of a property she got from her deceased husband ). How can I fix this so we can invest that money to help cover her expenses?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ERC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this account was opened XX/XX/16 and the amount is unknown. i have called the company multiple timesand i have also filled a ftc report and contacted the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Phoenix Financial Services LLC
State: MD
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 settled a collections debt from my credit report XX/XX/2021 and the creditor has not had the negative remark or sent me a letter as requested numerous times to that affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/19 at XXXX XXXX  a transfer in XXXX XXXX ( facilitated by PayPal ) was initiated to a friend. This friend was notified a transfer was waiting but when he tried to receive it, an error as given saying he needed to update his debit card. The debit card linked was currently valid however he re-entered the information required. The system seemed to take the update but then reverted back to asking again for an update to the credit card. 

My friend filed a report within XXXX XXXX after 24 hours asking for help and I filed a separate report 48 hours later. It's now been 4 days and the money is held up, I can't retrieve it and he can't receive it.

Company response to consumer: Closed with monetary relief