BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.

Company response to consumer: In progress
Consumer complaint received 2017-03-30
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.

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 2019-04-18
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know why they are calling. My complaint is for Caller ID spoofing. This company has repeatedly called from spoofed phone numbers that appear local to me. 

These are a few of the calls, but they've been calling me for a while. If a more thorough call log is needed, I can provide that XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall have contact these companies multiple time & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2015-08-08
Company: RJM ACQUISITION LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. 

I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18
Company: PLANET HOME LENDING, LLC
State: TX
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:
Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Credit Technologies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In XX/XX/2018, there was inquires made on my credit report that I did not know was made by this financial institute Credit Technologies. I have no regulation of this credit inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
Last year I discovered a false account with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
Last year I discovered a false account with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

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 with my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: NJ
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 mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting 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:
On XX/XX/XXXX, XXXX XXXX, Chase Bank, and XXXX XXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.

Company response to consumer: In progress
Consumer complaint received 2017-03-30
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently requested for the PMI to be removed from my loan. DiTech is lender agreed to remove the PMI in XX/XX/2017. My issue is that the PMI should have been removed automatically years ago. I 've owned the house for 10 years. DiTech tells me the initial loan agreement was to remove the PMI in XX/XX/2017. I asked for the documents stating such agreement and they tell me that they ca n't give me that information. The PMI should have been removed years ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: TekCollect Inc.
State: TX
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:
Tek Collect XXXX. XXXX XXXX XXXX Oh XXXX Is reporting a {$240.00} account on all 3 credit reports XXXX XXXX XXXX XXXX I have never had an account with this company violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Chase Card Service XXXX. XXXX  XXXX XXXX, DE XXXX Acc't Number : XXXX XXXX XXXX XXXX ( Fraudulent Charges Applied ) Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2100.00} on my account ( XXXX for {$630.00}, XXXX for {$690.00} and XXXX for {$840.00} ) The amount is inaccurate because of fraudulent activity. I did not purchase these items or have any knowledge of these items being purchased from XXXX 's or any other seller. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Further, the XX/XX/XXXX charge of {$840.00} was in Pending cc transaction when I discovered the Fraud. I called Chase advising them of these three fraudulent charges and ask that my card be canceled. So, Chase had opportunity to stop the Pending {$840.00} charge that day. But, did nothing. 

Chase 's letter dated XX/XX/XXXX stating that these transactions are valid does not answer the more important issue of Fraud. Someone, not myself, used my name and cc number to fraudulently purchase items. Just because my card was used for fraudulent purposes does not obligate me to assume the costs. In fact, that is absurd! Chase 's investigation is less than Best Practices and inviting customer dissatisfaction. Please explain your position of these transactions are valid as it is not very clear. How did Chase come to this conclusion and based on what criteria? Further, I have opened an inquiry with XXXX 's, Incident Report Number XXXX, which could have been requested by the Chase Fraud Dept. through myself. Being proactive! On XX/XX/XXXX, XXXX 's did a preliminary search and could not locate any of these charges against my credit card ending in XXXX or last name, while, labeling them as invalid. XXXX 's has forwarded it on to their internal investigating dept. So, are these charges actually from XXXX 's. These charges are bogus. A Federal Trade Commission ( FTC ) Consumer report was issued # XXXX. A Connecticut XXXX Police incident report was issued # XXXX. 

Enclosed are copies supporting my position. Please thoroughly investigate this matter and correct the billing error as soon as possible. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Home- XXXX Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
BMW financial service is very unprofessional and did not do their jobs after charging {$100.00}. I need to takeover a lease from my friend and I have very good credit history ( 760+ for all three credit report ). On XX/XX/XXXX, I submitted my application. Then they call me said my XXXX  and XXXX report are frozen. Actually I only freeze my XXXX report. I call back give them the access code. After one day, the told me I am rejected. But I didn't find any credit inquiry in my XXXX report. There is no negotiation, no reconsideration. If they made mistakes, they will also charge you {$100.00} and don not refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2020 Ally Bank made me an offer of 1 % interest bonus on all deposits in XXXX. I deposited {$10000.00} in XXXX. I called numerous times in XXXX XXXX XXXX and XXXX to verify this promotion, every time I was told my bonus 1 % would be paid by the end of XXXX. I called in XX/XX/2020 and was told they would investigate my account due to many errors with my and other accounts. I received a call on XXXX XXXX and was told that my account was not eligible. I followed all rules of the promotion and did not withdraw the {$10000.00} until the waiting period was over.

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 2023-04-22
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXXXXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Bankruptcy XXXX XXXX account number XXXX, has violated My Rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-08-06
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
American Express issued a card to the XXXX XXXX XXXX which is owned by me. American Express is reporting the account to all three bureaus as a " charge off, '' however I am still paying the required minimum payment on the account every month AND accruing standard interest as per the card issuer agreement. American Express refuses to remove the " charge off '' status from my credit report despite my continuing to pay the required minimum payment and accruing and paying interest as stated in the cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 a credit card from XXXX XXXX  XXXX bank was opened for XXXX dollars this was not me and I want it removed from my credit

Company response to consumer: Closed with explanation