BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX XXXX XXXXXXXX XXXX XXXX was transferred to LoanCare in XXXX XXXX. I have never missed a mortgage payment, or made any late payments. I've been paying my mortgage for 5 years. Since my loan was transferred to LoanCare, I have been receiving letters stating that my {$1600.00} month payment is now {$5.00}, XXXX. XXXX. Most recent letter states that if I don't remit required payment ; my credit rating will be jeopardized, and I may lose my home. The letter also stated that my mortgage is 2 months past due. The letter is originated from XXXX collection agency. I have never had a problem when I was making payments through XXXX XXXXXXXX XXXX. After receiving this recent letter, I can't sleep, and am so stressed-out about someone taking my home, or doing something worse ... XXXX knows what. This feels like harassment ; and very threatening. I see other complaints, and it seems no entity is doing anything to deal with this company. How long does this have to go on before something is done? Have we no protection anymore? I have copies of letters, but I would like a regular, intelligent human being to step-up and help me and other tax paying, mortgage paying, law abiding citizens to resolve this ongoing, and incredibly disturbing situation. Thank you, and look forward to hearing from 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: DE
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2023-02-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had financed furniture with Ashley Furniture XXXX Synchrony Bank, with a promotional finance term of 0 % interest for 12 months. After expiration of the promotion ( XX/XX/2023 ) ; bank charged me almost {$4000.00} interest on my remaining {$6700.00} ( approx. ) balance. This is absurd as i was not aware of the term " Deferred Interest Rate '' which would apply to the original finance amount, not the balance remaining. I tried calling them to negotiate it and have had requested to pay off the entire balance all in once, but they are not budging at all and being firm on the interest rate. This puts me in a off balance financial situation where i am nothing but obligated to pay this absurd amount. 
Please assist.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have been constantly calling the XXXX number for transUnion to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and XXXX does, I would really appreciate if this gets addressed ASAP. My Trans Union credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. 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 non-monetary relief
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
After Multiple Disputes TransUnion refuses to update my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the name on file is missing the second letter I between the V and A. attach I am providing a recent Gas Bill with My name on it to prove my case. thx

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I filed my XXXX Tax Return with a wrong Bank Account Number, included mistakenly by the Tax professional ( I gave her a check to get my bank account information ). I did not realize the mistake while signing. The refund amount is {$6500.00} USD ( XXXX XXXX XXXX XXXX XXXX Dollars ). 

On XX/XX/XXXX. IRS sent a direct deposit under my name with a wrong account number, Chase Bank made the deposit without consider the client name. IRS sent XXXX Notice to detail the bank account information. In this notice IRS asked me to contact Chase Bank ACH Department, who referred me to the Original Branch to ask the Manager to help to contact the owner of the account which received the deposit. The Manager XXXX XXXX XXXX did not accept to help me. 

I started to talk to IRS and the XXXX Chase Bank at least four times, trying to get their help or advise, but the Manager XXXX never did anything. 

On XX/XX/XXXX, I called back Chase Bank-ACH Department again, after I explained the whole situation to XXXX-Agent, he said that they could help me to get back my money if the wrong account belonged to a client from another bank but they can not help me because the account belongs to a Chase Bank Client. Once again XXXX-Agent asked me to go to the Branch 's Manager and ask for help to contact the person who received my money. I went back to the Branch Manager, to get the same response, NO. 

On XX/XX/XXXX. I sent a letter to IRS Tax Advocate Office who asked to go back to my tax professional or Bank to solve this because is their responsibility. On XX/XX/XXXX, I also sent a letter to XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  who is the tax professional who did my taxes, but she could not help me neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
Applied for XXXX Chase credit card XX/XX/XXXX was approved with a sign on bonus of XXXX each. XX/XX/XXXX lender called to verify types of activities on account. Lender agrees with activities, in XXXX XXXX Chase closed both credit card with the reason of credit card activity is inconsistent with expected activity. Disputed in XXXX XXXX was told to check terms and conditions, Called executive offices today XXXX/XXXX/XXXX was told can not access account and to apply for a new one. 

I would like chase to return all my forfeited points. I believe chase has allowed other customers like me a 30 day window to redeem or transfer points out of chase. Chase has not allowed me to do this. I had lost a total of XXXX Chase Ultimate reward points, this points do not include activity which I had on the account that should have posted had they not closed my chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: EQUIFAX, 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:
My complaint is against all 3 credit bureaus : Equifax, XXXX and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX   since they are refusing to remove a fraudulent account from the all 3 credit  bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an SC-100 claim as a last warning in case that account still reflects on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: N26 Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account at N26 using referral code : XXXX where the sign-up bonus required me spend {$20.00} on the debit card through a POS transaction and receive a {$10.00} bonus. I did the requirement but never received the bonus. I contacted N26 support center, through social media, and email. None of the people were able to find the problem and distribute my bonus. They stopped contacting me and I just want the bonus for the requirement that I have fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a complaint against Midland credit management. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I offered a settlement and the agent refused my offer on the spot. I repeatedly asked for her to submit it to her manager and she denied me that. After several minutes of my requests for her to do so, She then said that she was in fact the manager. She said her name was XXXX XXXX she didn't give me her employee ID just her extension. XXXX XXXX XXXX ext XXXX I believe that her statements are fraudulent and would like to request a investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification. Because of this, on XX/XX/2018 I filed CFPB complaint # XXXX against Transunion. In this second complaint I provided Transunion a copy of my valid current California Driver 's License and Social Security Card issued by the Social Security Administration. On XX/XX/2018, Transunion closed the 2nd complaint by responding that they are unable to delete the Fraud Alert since the address on my driver 's license does not match their database. This is false. The address on my driver 's license is on my credit report/file. Transunion also responded that a social security card is not an identifying document. This contradicts Transunion 's response under CFPB Complaint #  XXXX. ( please see page 2 of Complaint # XXXX ) Transunion is not properly handling CFPB complaints and consumer disputes. In addition to this, Transunion regularly marks disputes as " duplicates '' in order to avoid responding to them and in order to avoid addressing the issues raised in the disputes. This will be addressed in a separate CFPB complaint specifically for that issue. Please remove the fraud alert from my credit report and stop violating consumer protections laws.

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 2023-07-11
Company: EQUIFAX, INC.
State: TN
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:
Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
sent all FTC guideline documents. to prove the violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Bridgecrest Acceptance Corporation
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: Old information reappears or never goes away

Complaint:
Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.

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 2019-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Bureau name Capital one bank USA I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score. 
I had 2 XXXX within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls. 
I really need your help and I appreciate your up. 
Best regards, USA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
US Bank holds the promissory note and collects mortgage payment on house that was awarded to my wife in a divorce in XXXX. My name has been removed from the deed of trust but remains on the promissory note. A quick deed and divorce decree showing legal ownership. In XXXX my exwife did a modification loan and refinanced without my consent. I dont know how I can be responsible for the new terms if legally I have nothing to do with the house. I been advised and received paperwork from US Bank to apply for a loan to buy the house to have my name removed from the promissory note. I have received paper work to resume an existing loan for a house which I all ready have a promissory note.

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 2023-02-28
Company: Kriya Capital, LLC
State: TX
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:
Rec. several calls on my private cell. Talked with Co. 2-days ago. They do not believe me just want $ I did not spend. Do not know this co. Do not owe this debt. they will not leave or give me address to get ahold of them. Or a phone #. I have since found it. They will not talk to me, they just want $ I do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I mail letters to the three credit reporting agency 's regarding past due accounts over Seven years old.They send me letters stating the accounts will be remove from my credit report raising my credit score a little.On XX/XX/2018 this company named ERC- REF # XXXX ACCOUNT # XXXX Amount debt # XXXX. I'm disputing the validity of the debt in question. I don't recall any service from XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation