BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via XXXX and XXXX XXXX, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: KS
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 never resided at the address shown on my credit report - XXXX XXXX XXXX XXXX XXXX, KS XXXX. 
Please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax today at XXXX to follow up on an investigation regarding XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax around XX/XX/2017. XXXX did acknowledge receipt of my identification. 

Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is Ive tried to make a payment by phone, all three failed. It took me months of complaining to find out in an email, Quicken/Rocket used a QL  account that I set up at the beginning of the loan in XXXX. I havent used that account in five years and dont remember the password. The point is I never said to use that account, why else would I read off the routing and account numbers? And why didnt they tell me they were using the QL account? Or at the very least verify the numbers? The last time on XXXX, XXXX XXXX ; I was specific to tell her not to use the QL account, but use the numbers I read. But again she used the QL  account I said not to use. Did not verify the numbers or even tell me that she was using the QL  account. Quicken knew the numbers were not correct according to their own email on XXXX. My question is : can Quicken legally lie to the customer and not use the numbers given? In all three times, I was lead to believe they were using the routing and account numbers I gave. Why else would I read the numbers? I feel my rights have been violated by Quicken and am asking for advice. They want me to pay the two late fees of {$35.00}. Had Quicken used the numbers I gave we would not be here. I have asked for the transcript of the phone calls, but they have not shown any evidence at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: OneMain Finance Corporation
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Intrest is extremly high 35.98 % the loan is for {$12000.00}. dollars I make a payment of {$430.00} {$0.00} went to principal and {$430.00} for interest. And another thing they charge me {$600.00}. 
for loan application.The first payment that I made was for {$530.00} and when I made the above payment the balance was still over {$12000.00} dollars. I very sincerely need you help, so after I hear from you I will pay a fair balance in full I thank you in advance. 
Normally I don't go borrowing money but I was taking by scams with over {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the COVID-19 Pandemic, I got behind on my mortgage helping take care of elder family members and other family members due to the pandemic. I applied and received a forbearance of my mortgage payments under the CARES-ACT. At the end of the forbearance, I spoke with the representative of Carrington Mortgage about the different options of repayment. She explained the options, while I looked at it online and completed the forms via over the phone. When the papers came in the mail, the papers were different from what was discussed on the phone. The papers detailed the plan of repayment, but a lump sum was due to be paid after the loan term ended. When it was explained and discussed over the phone, the missed payments were supposed to be put at the back ended of the loan and I would just continue my current monthly payment. So, I called Carrington Mortgage to get this straightened out. A supervisor or case manager was suppose to call me, but never called. I called Carrington Mortgage to speak with them since no one called me back. At that point, after waiting for someone to get back to me, I was told that option is no longer available. So then, after discussing options again and waiting for more paperwork to come in, they presented me with my plan. This time, they reduced my payment, but again a lump sum is due at the end of my loan term. If I had an extra XXXX  I wouldn't have needed the forbearance to begin with. Prior to the pandemic, I never missed a payment or was late with a payment. Carrington Mortgage is not trying to work to resolved this matter. I can continue my original payments without a problem. I just would like my missed payments tacked back onto the back end of my loan instead of Lump sum being due at the end of my loan. This plan puts a second mortgage on my credit report and hurts my credit score. This plan hurts me all the way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking account opened at TD Bank in my name using my address. Phone number listed on checking account is not mine. Contacted TD Bank and made them aware of the fraudulent account on the day I received the checks in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: TCF & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call at work from " XXXX XXXX '' at XXXX and XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, XXXX has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}

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 2017-08-29
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unfortunately what I have noticed is CFPB is VERY similiar to the reporting agencies in their methods of " limited options '' when attempting to remedy problem. Basically, giving the consumer options that generally DO NOT FIT many of the problems they are encountering ... ... what a tactic. Anyways ... ... received a document from Synchrony Bank regarding an account ( will submit document w/info. ). First ... ..this document is USELESS!!!! They wrote on their own document this phantom account was a " charge off in XX/XX/XXXX'' ... ..so ... ..how do they propose to investigate on an account THEY DOCUMENTED THEY CHARGED OFF in XX/XX/XXXX?????? THEY THEN DOCUMENTED THEY WERE PAID ... ... THIS YEAR ( NOT FROM ME, yet they continue to claim I did ) ... ..BUT YET CAN NOT SHOW DOCUMENTATION FOR IT???? NOW they have the nerve to send me a document to " investigate '' ... ..A MAKE BELIEVE CHARGE onXX/XX/XXXX for {$12.00}!!!!!!!! WOW ... ... SYNCHRONY BANK HAS JUST COMMITTED FRAUD!!!!!!! ... ... .they just sent a document on an account that does not exist ( they have no documents if anyone actually owned this alleged account even when I have demanded to have them sent to me ) ... ..and based on their letter to me, was a " charge off ''. So how is a " charge off '' from XX/XX/XXXX ( their own document states this ) magically reopened and used on XX/XX/XXXX. ONLY SYNCHRONY BANK CAN PERFORM THAT SCAM DIRECTLY!!!!!!! Under merchant ... it says " FRAUD SALE '' ... .WHAT????? This is sick!!!!!!!! Synchrony bank has committed fraud ... ..I never opened an account ... ..Who at Synchrony BAnk is telling their workers to open up accounts without consent???? Is this how Synchrony Bank obtained all their business ... ... opening up phantom accounts?????

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 2022-03-04
Company: SYNCHRONY FINANCIAL
State: OR
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 a debt on my credit report from walmart synchrony bank that is supposed to be showing as a 0 balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/Synchrony bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.

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 2017-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company - Portfolio Recovery Associates, LLC Acct # XXXX I have sent this company 3 letters trying to get this debt validated with my signature. They sent me a print out of an old bill which is not validation per fair credit laws and Attorney XXXX XXXX XXXX. I received a letter from this company on XX/XX/XXXX stating 15 fair credit reporting act U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ii ), frivolous or irrelevant dispute and stating they will no longer investigate my dispute. The company also changed the amount from {$460.00} to {$660.00} which they were reporting to the credit agencies. I have the letter with the 2 different amounts on from the company. 

Portfolio Recovery Associates, LLC, will not follow the Fair Credit Laws to when it comes to people trying to establish validation of a debt and then increase the amount. This company must think people do n't know their rights or do research or keep documents when trying to get validation of a debt. 

Very Angry Person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous attempts to get verification since 2017 from Datamax Corp, I still haven't received any verification that this fraudulent debt belongs to me and they are reporting this debt on my credit reports when I don't even know what this debt is for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: MI
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 been reaching out to EXPERIAN asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

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 2017-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there was a fraudulent ATM withdrawal for {$2800.00} from two ATM machines. I have contacted my local branch to file a claim and even changed my debit card, after which I was given a provisional credit for the full amount. Few days later the claim was reversed and all credits were taken back. Later it was explained to me that the reason the claim was reversed is because the debit card has a chip and it is impossible to duplicate it and now it is our problem. I was told by the bank to go to the police station to file a report so they could access the ATM cameras. I did file the police report and was told that it would take up to three months. 
On XX/XX/XXXX-XX/XX/XXXX someone has deposited a fraudulent check in my checking account and then made an ATM withdrawal for {$2900.00} and a purchase for {$750.00}. Again, I have contacted the bank and filed a claim. The funds were returned and then reversed some time later. I then went to my local branch and spoke to the manager. The manager has contacted a claim department and then explained to me that, apparently, someone has called on my behalf impersonating me and started to complain about the debit card saying that it was damaged and want to request a new one along with the new PIN number. The request was granted and a new debit card along with the PIN number were sent to my home address. The problem is that I have never received anything in the mail. It seems that someone has intercepted my mail and got all the information and the debit card. This way all my money were stolen from all my accounts. The bank has admitted its fault and still does not want to refund my lost money. I was given the provisional credits numerous times and they were all gone after a few days. It was a back and forth game. I have tried to contact my branch manager but nobody is doing anything to help me get my honestly earned money back, and it seems that the bank does not protect the funds I have entrusted it with. 
P.S. 
My savings account was also affected by the fraud. The money were transferred from and to checking and savings account by some unauthorized person. A bank employee has closed the savings account and due to this I no longer have online access to it to see the transaction history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: FREEDOM FINANCIAL NETWORK
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
We have been working with Freedom Financial Network, XXXX XXXX XXXX XXXX XXXX, AZ XXXX for several years now and for the most part, we are somewhat pleased with their performance but Unfortunately, this is not the case in yet another situation we received an IRS form of a debt cancelation of a debt that was negotiated and paid in full but the issue is that the debt actually belongs to someone else the last four of socials don't match, so we have been in fact paying someone else 's debt I would think when one supposedly runs the credit file with the client 's social we should be paying on that social this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Comenity bank reached out to a branch of the company I work for asking for me after they called me and I directed them not to call me at work. When I called I was told that by law they can.

Company response to consumer: Closed with explanation