BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE
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/XXXX, I checked my email and noticed there was an email from XXXX XXXX that an account was past due and it was reported by a company called Cash Central XXXX. This account was fraudulently opened under my name and was on my XXXX XXXX credit report as past due. That same day, I submitted a dispute via XXXX XXXX and the following day I contacted Cash Central XXXX or also known as Community Choice Financial out of XXXX Ohio. I spoke to representative named XXXX or XXXX and she advised me that the account was opened on XX/XX/XXXX in the amount of {$2500.00} and that she will be sending a packet that needs to be filled out and notarized so that the Identity Theft Claim process could commence. I am currently in the process of filling out the packet they emailed. I also notify the XXXX XXXX County Police Dept of Identity Theft and has taken extra steps to put an alert on all 3 credit agencies. I 've also filed an FTC report. My complaint about Community Choice Financial is that an online application was opened under my name and was carelessly granted to the fraudulent individual and no credit check was done. No inquiry showed up on my credit report that would 've alerted me earlier that an account that was fraudulently opened under my name. I am questioning the internal controls this company has in place when they open or grant loans and what security they have in place to ensure that the person who is applying for the loan is not a fraud.

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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,

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 2020-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since XX/XX/XXXX my primary account has been on hold. I cant access even the money that is in my available balance. I need to pay my rent and its frustrating that theres no one who can give me an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: OH
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:
The following disputes have been outstanding for longer than 30 days. Please see attached. According to the FCRA disputes should be completed within 30 days. Anything past 30 days is considered unverifiable.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
I have contact Transunion multiple times for trying to dispute information. It said I could complete the dispute for free ; however, Transunion keeps making me trying to pay. 

XXXX XXXX XXXX has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with Fraud ATT Packet and police report. Initially, the company removed from credit report and the placed it back 2 months later

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 2020-10-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans have been serviced by a XXXX XXXX  of loan services, but all have been under PHEAA. I graduated school in XXXX and was in forbearance for most of the recession. When the Income Driven Repayment options were made available in XXXX, I contacted my loan servicer under PHEAA to transition into it. They refused to assist, citing their special status as an agency of the State of Pennsylvania. We went back and forth on this for several years, where they would try to collect and I would refer them back to the earlier conversation about the IDR and that no payments could be made unless they recalculate the then capitalizing interest. PHEAA never handled the paperwork correctly and I refused to comply, because I understood an offhanded assent on my part would result in being formally placed under an " agreement '' that would allow them to capitalize the erroneously charged interest. Their communication stopped in XXXX. 

Now, on XXXX XX/XX/XXXX, PHEAA has begun the default process for the account without making any effort to contact me in the past 8 years. None. They now have capitalized all the interest and the claimed amount has shot up to {$130000.00}!!! After all this time, now, with all the massive economic challenges Americans are facing, that's when this company is attempting to maximize its profits through deceptive accounting that is founded on more than a decade of fraudulent misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: MI
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 written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


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 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
A hard inquiry was submitted as a result of a credit application using my personal data. One XX/XX/2021, someone went online to try and secure a Kohl 's Department Store credit card in my name. 
I have confirmed with the merchant that the perp had the following correct information of mine : -Date of birth -Social Security # -Mailing address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2021 Attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX  Date Filed : XX/XX/2021 Type of Account : Collection Address:XXXX  XXXX XXXX XXXX XXXX, WA XXXX Phone:XXXX Reason : THIS IS INACCURATE

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 2022-03-31
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Received collections letter for {$890.00} from Jefferson Capital Systems LLC from a XXXX account. I called the number on the statement and was asked to verify my name, last 4 of ssn, account number, and address. The only information they could provide was they acquired the acct in XXXX of XXXX and that it was from a XXXX incident in XXXX. 

The same day I called XXXX collections at XXXX. I verified that my account was in good standing with a XXXX balance. I never was sent to collections. 

This is a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Account information incorrect

Complaint:
FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to Equifax credit bureau 2 months ago and got no response here is my tracking number to prove they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Dovenmuehle Mortgage, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with the Dovenmuehle Loss draft department because of my house damage claim and have been misled, confused, and left in the dark by their service representatives. The details of my loan require my mortgage holder to endorse the insurance checks that cover the repairs for my house claim. From the beginning of my interaction with their Loss Draft department no one from Dovenmuehle provided me with a checklist or documentation outlining any procedures for releasing funds to pay for the repairs I did not even know they would hold back funds without documentation until I called and asked about the status of the checks. 

I have had to call over 10 times to get status updates regarding the processing of the claim. Almost every time I have called I received different requirements and information about what they need to release funds at times I have had to pay out of my own savings for repairs because the Dovenmuehle Loss Draft department was unable to release funds due to " missing '' documentation that was never disclosed. I have spoken with multiple individuals including a manager and received different messaging around what is required each time to release held funds and have received minimal correspondence from the department as a whole. I received a procedural document from them once that did not match up with what I was being told on the phone and my most recent conversation with a supervisor/manager revealed yet another procedure or hidden step to overcome for the release of the remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I currently hold XXXX Synchrony Credit cards. The dispute I have is with one for Care Credit. 

On XX/XX/XXXX, I called in to the customer service line to make a payment to a specific purchase on this card. These transactions offer promotional periods for free APR if paid off by a certain time. The only way to make a payment and have it be allocated to a specific purchase is to call and direct them to do so. I have done this several times as well as my wife. Their customer service were the ones who explained this to us as I have a long credit history with them. When I called to make the payment, I was assured that it would be applied to the balance for the initial purchase amount of {$1200.00} specifically because it had already expired. I was intentionally trying to pay that particular balance down to no longer incur the high interest charges. The payment was in fact not allocated to that specific balance and was instead applied to where they felt like it. 
Upon contacting customer service multiple times, after being told that there was nothing that I could do and that this was how they allocated the payments I was escalated to the highest level of customer care where I was informed that there was nothing that they could do and that it was their obligation pursuant to the Credit Card Act of 2009 to apply the payment to the promotion purchase that was the closest to expiring and that was the law. I was told specifically by the representative when I made the payment that it was applied to the balance I had requested it be applied to as that is the only way to accomplish this. 
The Credit Card Act of 2009 actually states the opposite of what the supervisor told me. It states " Payment rules : Credit card companies must apply payments to a consumer 's highest interest rate balances first. '' Not only was I deceived and then lied to, but i also incurred unnecessary interest rate charges as a result.

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 2020-11-20
Company: Rent Recovery Solutions
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company isn't following the FCRA laws and regulations, I've sent all the proper documents in to get this account taken off my profile and it hasn't been taken care of as of yet. I'm reaching out to you guys to help me with this matter at hand. Ive reached out to the XXXX and it wasn't resolved. The information being reported is very inaccurate, I let them know that I've been a victim and I have been taken advantage of, with all the proper paperwork. They never had any type of communication with me at all. So many violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: GOLDMAN SACHS BANK USA
State: NY
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:
All charges on my account from XX/XX/22 thru XX/XX/22 - 13 charges were not made by me. Company sent me emails asking to verify charges, I was unable to respond to that email so I called them. For two days at 2 hours per call and 4 more times with them assuring me matter being handled. I was assured I am not liable for fraudulent charges. They only disputed one item for {$15.00} and sent me a bill for {$300.00}. 
What do I do, I received new cards but did not activate them and will not. 
I also need to cancel this credit card account without penalty. 
I am on phone with them going thru the same wait and run around

Company response to consumer: Closed with explanation