BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have reached out to XXXX XXXX several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.

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 2019-05-16
Company: Bridgecrest Acceptance Corporation
State: NC
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:
Disputed The Company Bridgecrest on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!

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 2018-01-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with TransUnion and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX 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 2018-01-27
Company: JPMORGAN CHASE & CO.
State: TX
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:
Inquiries Chase card Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase card Inquiry from XX/XX/XXXXLate payments XXXX XXXX onXX/XX/XXXX. & XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I send a dispute letter to Equifax on XX/XX/2021 about the collection DESIGNED RECEIVABLE, Balance {$5000.00}, Original creditor XXXX XXXX XXXX. That collection is not mine, and I know the credit bureaus are the ones that have to investigate that fraudulent account but my complain with your agency is because the credit bureaus failed to comply with the Federal Credit Reporting act and did not respond to my dispute which I attached to this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: R.M. Galicia, Inc.
State: CA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the PROG MGT SYS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$11000.00}, {$8600.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$24000.00} -This is not my account. 

XXXX. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX  A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$8600.00} -This is not my account. 

4. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Notice to principal is notice to agent, NOTICE TO AGENT IS NOTICE TO PRINCIPAL : I was a of victim of Identity Theft. I contacted and I contacted XXXX, TRANS UNION AND XXXX several times and submitted my Identity theft report XXXX to XXXX by fax and upload. XXXX keeps violating the credit reporting act by continuing to report fraud account son my reports. 

XXXX, TRANS UNION AND XXXX says per their policy ( not the law ) they can continue to report the fraud accounts and violate me and the fair credit reporting act with no concern because XXXX sold the fraud account to a unknown party.

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: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a temporary loan modification with Covid 19. We requested a updated loan modification before our modification was up. They said we did not qualify for a new modification ( they never asked for any financial information from us on our jobs or anything. Just sent us a letter saying our options were repayment plan. The first payment was due and I posted the payment. Them they sent a letter stating they withdraw the repayment plan because I didnt pay it by the due date. When I called I asked if I could post the payment for the end of the month. They told me I have no other options

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Harvard Collections, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: ERC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ).  They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: PA
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:
After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine/inaccurate XXXX XXXX XXXX {$230.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a citibank Gold Card customer for many years. I now ( since XX/XX/XXXX) live in the XXXX. I should have over $ XXXX between my Checking and Savings accts at Citi , plus two credit cards : Master Card, and Simplicity Card. Credits cards were used mostly for domestic and international travel, and providing the annual renewal fee for the XXXX XXXX for my office and home computers. I am XXXX years old. All my credit card charges were always paid in full within 30 days of billing. 
About XX/XX/XXXX, I was advised by XXXX that they were not able to automatically renew my protection due to " both credit cards being cancelled. I went on line to my " Accounts Page '' and via CHAT Service, was told that : " I ( the chat guy ) will sent you a secret password '' to your USA cell phone number, then you can repeat that secret word back to me, and I can then help you ". I told him that I did not have a USA cell phone number. He said too bad, can't help you. He told me to call a 14 digit phone number. I call there after getting a Long Distance Cell Phone Card Load and was transferred back and forth between two people who would each spent several minutes verifying me, until my load ran out and I was disconnected. 
Today, I again got another special load card and called that number. Again I was transferred without getting any help and was finally told '' cards are cancelled, can not help you. 
I think my money may have stolen. Access to all my accts has been blocked, and I do not have money for food, rent, etc etc. Please help.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: MS
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, 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 explanation
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: TX
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 have a credit card through Chase Bank. I have three different balances on the card each with their own interest rates. I made the minimum payment and then made two other payments hoping they would go towards the balance with the highest interest rate ( cash advance ). It did not. When I called i asked them about this and they said that is not how their system works. I was told that The Credit Card Accountability, Responsibility and Disclosure Act of 2009 would force credit card companies to apply excess payments that blling cycle to the balance with the highest interest rate first. Can you please help me with this issue or am I misunderstanding how the process works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
I am a XXXX  employee affected by XXXX XXXX XXXX. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX  employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.

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 2021-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Despite several disputes to the credit reporting agencies, XXXX XXXX continues to report an account that should have removed years ago. The entry- under account number XXXX- was opened on XX/XX/XXXX and subsequently closed on XX/XX/XXXX. While the account was closed in a negative status, it should have been removed almost XXXX year ago. My complaints have fallen on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: FL
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:
I am a government employee affected by government shut down. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a government employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling up to 5 times a week, asking me to pay a " debt '', they're never specific. But this has been ongoing to about 6 months or so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, XXXX XXXX. An unknow person access my banking account online without my awareness. The person used XXXX cash advance from credit to debit. Then he made illegal purchased on my checking. I got phone alert in the morning said I need to verify this transaction. I was busy and when i checked my phone and see the alert at XXXX XX/XX/XXXX. I went to my banking online and see unauthorized charged.I called Wells fargo right on the same day to report that the is an online identity theft. But the person who helped me put the reason is that " dont remember the transaction ''. And since i report it happened online. They put a note that it happen outside. When i called the transactions are still in pending. But Wells fargo let that went through. And now my statement show I own them XXXX usd inculding allthe fees. Since no one from wells fargo called me, and I did not reply to the text. And i called at the same day. They should took care of it. The person helped me said i should not worry. But seem like all giving me wrong info without explains what is the next steps or helped me. They gave me XXXX temporary credit on XX/XX/XXXX and took it back on XX/XX/XXXX. I called them again and no one have any idea. They told me to reach the claim department, but it was closed, on XX/XX/XXXX the letter from Wells fargo came and its said there is no one use my credit outside. When I called Wells fargo and explain my situation, i told them it happened online. All the persons who handled my case did it wrongly and does not serious. They cant even stop the fraud transaction and let that went through. Even my debit card was denied due to daily limit. Wells fargo still let it went through.

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 2019-09-05
Company: Grant Mercantile Agency
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern, I pulled my credit and noticed a collection with Grant Mercantile Agency. I called called Grant Mercantile Agency to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additonal collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation