BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The issue may get resolved sooner if an experienced professional addresses the issues at hand before this matter goes to criminal court. I am not requesting the cancelled mortgage that was not satisfied and simply cancelled without proof of payment. As you know there is no discharge recorded and the title insurance and the deed are for different locations. THE MORTGAGE FILE INFORMATION IS FOR XXXX XXXX XXXX NOT XXXX XXXX XXXX. Records show that the survey and the mortgage were not filed, PLEASE SEE THE ATTACHMENT the mortgage was filed for an NON EXISTENT address XXXX XXXX XXXX. Please look at the attachment. on XX/XX/XXXX about 9 months before the NJ LENDERS REFINANCE the MIN XXXX with XXXX XXXX  XXXX XXXX. XXXX N.J. ( XXXX ) XXXX was generated and the MIN XXXX with XXXX XXXX XXXX XXXX DE XXXX XXXX ) XXXX was generated on XX/XX/XXXX BOTH OF THE MINS ARE FOR XXXX XXXX XXXX AND NOT XXXX XXXX XXXX. The LOT & Block were changed before the sellers closed with power of attorney and the title insurance is NOT for the subject property. There are far to many issue 's here that are typically associated with fraud for NJ LENDERS not to show proof of payment to XXXX XXXX XXXX XXXX. The mortgage has been assigned and bounced around all over the place dose NJ LENDERS have the record of the sale of the mortgage to XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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:
Around XXXX of XXXX i became a victim of Identity Theft. On XX/XX/XXXX Portfolio RecoveryXXXX XXXX has reported a Credit Card with a balance of {$840.00} which has been opened by someone fraudulently without my knowledge. Ive disputed this card several times without any Change. When I asked XXXX to validate this account they said it was a validated by XXXX XXXX because they said it was mine. Without a letter of validation that shows the card is actual mine that I filled out a a application and signed for the card. The statement made by XXXX XXXX should have No bearing on the decision of XXXX. Basically XXXX is taking XXXX XXXX  word over mine which is discrimination. Without any proof to verify this account belongs to me it should be removed. Ive asked for a letter of validation over 60 days ago and yet to receive anything. Please remove this account from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I began an auto loan with Huntington for my XXXX XXXX in XX/XX/XXXX. My monthly payment was {$390.00}. At the time my monthly income was around {$4500.00}. 

In XX/XX/XXXX I was laid off due to the Covid-19 pandemic. For a while I was able to make payments on the loan with my unemployment allowance. I found a job finally in XX/XX/XXXX and I took a pay cut of over 50 %, I now take home about {$2000.00} before taxes per month. I simply can not afford all of my bills. 

My grandmother ( who is a co-signer ) and I requested a hardship modification to the loan in XXXX. We were expecting a large monthly payment discount, or an interest rate reduction. We were very disappointed with the companies response. They offered a monthly reduction of {$35.00} simply by extending the loan. They refused to adjust the loans interest rate. 

I have attempted to reach the department that makes the adjustment via the phone number on the letter we received. However it goes straight to voicemail and I have left several messages.

In a time where the entire country is struggling, and I have made it clear I do not make enough to afford any of my bills, I expected more from Huntington with my request for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2018-10-19
Company: EQUIFAX, INC.
State: CA
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:
Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
While I was in near XXXX, Minnesota on Tuesday XX/XX/2019, I was awoken by a call from American Education Services at XXXX XXXX local time.I contacted the company via the same number they called from, XXXX and asked to speak to them regarding the matter. I was informed they had no record of a call at this time but had one from later in the morning, closer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Account information incorrect

Complaint:
The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. EQUIFAX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi AAdvantage had an advertised promotion page on XXXX XXXX site in XX/XX/2023 when I applied for the card offer XX/XX/XXXX. It offered XXXX XXXX  miles on its Citi AAdvantage XXXX XXXX. After spending {$3500.00} with the card within the first 4 months of receiving the card. I applied from a link that was part of this advertisement, and received my card on XX/XX/2023, and activated it XX/XX/XXXX. I called Citi after activating it to verify the offer. I then made a retail purchase of {$3800.00} that fulfilled the stated requirements to receive the bonus XXXX miles. However when I receive the miles it was only XXXX miles. I called both Citi and XXXX XXXX each more than three times to correct the decrepancy but was told the bonus offer was only XXXX miles and Citi stated they did not know of such promotion. When I called the offer was still be advertised on XXXX XXXX website, and was until XX/XX/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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Transunion to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.

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 2020-07-08
Company: EQUIFAX, INC.
State: DC
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:
2. 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 : 01 XXXX XXXX XXXX USA XXXX XXXX, 01 XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 08 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 Inquiries : XXXX XXXX US XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CL Holdings LLC
State: TN
Product: Credit reporting 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 Jefferson Capital System, has violated my rights. 

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

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

15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-10-25
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I would like to order my full report from XXXX XXXX, XXXX XXXX, INNOVIS. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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 applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized 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 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.

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 2023-08-21
Company: Advanced Resolution Services Inc.
State: CA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account XXXX : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Credit Karma, LLC
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:
I settled the accont with XXXX XXXX for XXXX dollar pleases let them show my account as settled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A collection account is on my bureau. However the original creditor has been paid. I sent Transunion a copy of the receipt from the original creditor and a copy of my credit card stmt showing payment. They say the collection account has been verified. Kind of hard to verify a collection account when the original creditor has been paid.

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 2023-01-11
Company: EQUIFAX, INC.
State: AZ
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:
The In accordance with the Fair Credit reporting act 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  Has violated my rights. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Groundfloor Finance Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The company attempted to make an unauthorized withdrawal of {$1000.00} from my bank account. I did not initiate/request/authorize this in any way, and once I found out about it, I had to hurriedly contact my bank to execute a Stop-Payment on this transaction attempt, which involved a {$20.00} fee. At the very least, this company should reimburse me for that fee. And I want this incident to go " on record '' so that if there becomes a pattern of them doing this to people, they can be penalized accordingly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018 I noticed while I was online with my Credit Unions website that a Levy had been placed on my accounts. 
These accounts are with the XXXX XXXX XXXX XXXX XXXX. 
I receive a direct deposit of XXXX XXXX XXXX Insurance payments every month into my main checking account. 
The Levy has been placed on my savings, and my Daughter 's  savings account where I place her child support money into. 
I contacted a person named XXXX in the Collections Dept to ask about this. She did not want to listen that this money is exempt from Garnishments and that they are leaving me NO money to live on and are affecting my child support money. 
I found out from XXXX that the Levy is from Capital One Credit and is for over {$3000.00}. The amounts they have frozen in my accounts are {$230.00} in my savings, & {$500.00} in my Daughters account so far. 
I need this money to live on & pay my bills & support. I get paid once a month on the XXXX and can't be broke for the rest of the month.

Company response to consumer: Closed with explanation