BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: NATIONWIDE ACCEPTANCE LLC
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:
through this CFPB complaint portal I was able to obtain some additional information regarding the extent of my identity theft. it was initially though of to have begun in or around XXXX as the police report stated, also all info that I was able to get came directly from my credit report as these accounts are not mine. I was informed that there is another vehicle that was accepted as a trade in also in my name. I have never traded in a vehicle in my life. furthermore I had fought my employer to prove that I was not liable for the wage assignment to the point where I won a case with my union after resigning my position. it was also said in the response to the complaint that my personal identification was used " same picture '', also it was mention that my police report stated XX/XX/XXXX was when the theft of my identity began, well that was all I had knowledge of at the point, so a revision of my police report will be done but this company seems to suggest that since my personal info was used to obtain these goods then the debt is valid, also as explained I had been granted a discharge by federal guidelines of all debt in XXXX, and this debt would have been included if it were valid NAC act # 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 2021-02-23
Company: Experian Information Solutions Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped XXXX something points because of this. then dropped an addition XXXX points and experian can't explain what happen.

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 2021-05-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XXXX XXXX I received a call from someone saying they are from XXXX and that my services will be disconnected if I don't pay. First it was the minimum of XXXX he said the system wasn't accepting the price that I had to pay XXXX so my service wouldn't be cancel. I called TD bank thet my said its nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-03-25
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2021, I applied for an online checking account at XXXX with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that XXXX would not open a checking account because of information from Early Warning Services. I attached the notice to this complaint. On XX/XX/2021, I contacted Early Warning Services to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. Early Warning Services could not help me fix the problem. On XX/XX/2021, I called XXXXXX/XX/XXXX to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXXXX/XX/XXXXXXXX XXXX and XXXXXX/XX/XXXX Applying for a checking account has never been an issue and this is the first time I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello! 
We opened a new checking, savings and money market account last week. We deposited a large sum of money. We have since been told we have no access to our funds and our accounts have been frozen. The banker XXXX said he made some sort of error and thus the result is we don't have access to our money. We are livid. We have bills coming due and our mortgage and we need our funds immediately. Please advise.

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 monetary relief
Consumer complaint received 2017-08-11
Company: Total Finance AC LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Paid car note late but also paid for the {$25.00} late fee have been making partial payments and late fees. Also my car was totaled and I left a voicemail and they are still charging me for the month that it was totaled after I informed them and they 're charging {$100.00} more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I recently discovered this company XXXX XXXX on my credit report. XXXX XXXX appears to be a debt buyer that likely purchased this account for pennies. I have never had any communication with this company. I have never had any business dealings with this company. I have no knowledge or validation of this account, nor have I been provided with any information of this account. The account either does not belong to me or is VERY old and has been sold and resold, as I stated this company has listed themselves on my report as a debt buyer and as if they are my creditor. The company also switches names and goes by another name of Resurgent Cap who is also not a creditor of mine or anyone that I have done any type of business with whatsoever. I want this removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I files a previous complaint against loandepot in which they lied in their response. 

I have continaully followed up for the result fo the incvestigation promised into the phony appraisal they recieved.. 

In addition they claim to have offered me a loan. Whatthey negelect to mention is I had to pay substantial fees resulting in their illegal false promises and inability to a. ) close byu the time the promised in writing. and b. ) the loan was in no way what I applied for, was promised or needed. Instead it increased their fees, left me with damaged credit, and was unrealistic as well as a breach of fiduciary duty given they committed to the loan then dropped it -- then lied, then took 6 months to sort it out ;. 

I have asked over and opver for them to provide me the result of the investigation into the apprasiser and they refuse to answer. II have concrete proof that id irrefutable that I am correct and the " appriaiser '' never set foot in the house..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capital one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. They said I was waiting too long to contact them. I did wait 7 months to contact them after I found out. But this is not my fault. I already filed a complaint from CFPB before, Capital one says I need send them affidavit, but I already send it to them XXXX year ago. They wont answer my phone or return my call. They wont wan na resolve my problem. I will send them the affidavit again if I can get my refund. If not, I wont do it again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX, XXXX, FREQUENTS CHECK CASHING AGENCY. DIFFERENT RATES CHARGED FOR CASHING MONEY ORDERS. EVEN IF THEY ARE PURCHASED FROM CALIFORNIA CHECK CASHING. SEVERAL YEARS THIS HAS BEEN GOING ON. XXXX, EVERY MONTH, IN PARTICULAR, XX/XX/XXXX TO  PRESENT. MENTIONED IT TO DIRECTOR WHO DID NOT REALIZE A DIFFERENCE. SINCE IT'S MY MONEY I SEE THE DIFFERENCE. IT IS FELT. EMPLOYEES DIRECTOR SAID THAT I WAS NOT GETTING REFUND. INTENTIONAL ACTS OF THIS GROSS NEGLIGENCE WARRANTS YOUR COMPANY OF THIS FORM OF PRICE DISCRIMINATION. TOTAL DAMAGES {$5000.00}. EVASIVE CONDUCT LEADS TO NO CLAIM #, CA PENAL CODE XXXX, {$50000.00}. EMPLOYEE XXXX EXCLAIMED, " FOR  WHAT ''? AS TO CLAIM NUMBER. FALSE PRETENTIONS OF CO-WORKER XXXX SHOOTING ME. THAT'S WHY XXXX DID NOT SUPPLY CLAIM #. A COMMUNICATION I.D . ON XX/XX/XXXX, XXXX, WILL NOT DO.. REQUEST WAS MADE XX/XX/XXXX, DAY OF OFFICIAL CLAIM, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Again Since XX/XX/XXXX of XXXX my son and I have been trying to take over the loan as we can by Federal Law. XXXX has a copy of the loan and joint tenancy and still wants to play games. They have also violated the XXXX law a copy is attached of what this organization put into law. All they say is probate and according to state Colorado law the way the property is titled they are XXXX  that do not have a clue. They refuse to work with us the law that this agency put into place and they have no understanding about the basic concept of law except how to break it,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The creditor is saying an amount that I dont know of. Address that are not mine on account. Please verify debt.

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 2022-06-16
Company: JPMORGAN CHASE & CO.
State: MI
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 paid an settlement on the account XX/XX/2020 and its only reflecting as paid on one of my credit reports. On the other 2 it states that its reflecting as Derogatory which is hindering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020, I sent a letter to Jefferson Capital Systems, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with XXXX  and XXXX, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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 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. This company is very unprofessional! I also sent them a copy of the police report. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!

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 2019-09-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yes i open a XXXX account and another bank account. Apparently there was hacking to my XXXX account. They block access to my chase account. I called them and talk to them. They told me i regain access and closed these accounts. About year now and no avail. I get same answers when i call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: NY
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 requested in previous letters to Equifax, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine with a third-party Data Furnisher called XXXX in XXXX of 2019.I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that there has been a Security Freeze on it since XXXX of 2019. It is impossible for them to have verified any information with this Data Furnisher and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Byrider Franchising, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX CNAC of XXXX Virginia located on XXXX XXXX XXXX XXXX. falsely reported to the credit bureaus serval times that a balanced was owed after trying to sue me and having they lawyer sign and agreement on XX/XX/2019. i have submitted the court papers serval times to the credit bureaus and they still state that they cant remove the debit that is owed. After contacting them and the lawyer office with XXXX XXXX they stated that their lawyer hadn't agreed to this and a balance was still owed. Now on XX/XX/2019 they are stating the only way to remove the debit is for them to fill out a 1099 form and I would have to report on my taxes but I didn't receive any payments are anything from this company. this was an auto loan with installment payments where I voluntary surrendered the vehicle due to it being a lemon vehicle, and they never disclosed that information to my attorney or me. The general manager XXXX was very rude when I asked why would they fill that form out seeing how I didn't receive any funds from them, he then stated I need to ask a tax advisor that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent

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