BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
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: Old information reappears or never goes away

Complaint:
The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and Transunion they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX California Case No. XXXX. 
On XXXX and Transunion- the false reporting did not happen until after i already filed the lawsuit against XXXX/US Dept of Ed . I showed both XXXX and Transunion that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against Transunion and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name XXXX and Transunion in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.

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 2017-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I applied for a home equity line of credit with a local bank. As part of the normal application process, the bank obtained my credit report. The next day I started being bombarded by phone calls and emails from other lenders, who already knew that I was attempting a mortgage transaction. One of them let slip that they got this information from Experian. Essentially, Experian sold not only my personal info, but specific details of my financial activity, in real time, to other lenders ( competitors, in fact, to the bank that paid Experian for my credit history ). This is not simply a " pre-approval opt-out '' issue, this is a violation of privacy.

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 2015-07-22
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has been repeatedly attempting to contact, me, my wife, and our extended family for a debt owed by a relative we have no contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
I received an email alert through XXXX XXXX that a secure credit card was opened in my name by XXXX and it now appears on my Equifax credit report. 

I did not open this account and am stating that it was opened fraudulently and I want it closed and my name removed. I have emailed the bank in question and have a copy of the email that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CarMax, Inc.
State: GA
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 am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and  XXXX  ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order  Please remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: MN
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:
Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Had money sent to a person I do not know on my bluebird card by american express on XX/XX/2019. It was two separate transactions one  was {$600.00} and the other was for {$390.00}. Once I discovered these transactions I called bluebirds number on XX/XX/2019 was told fraud department was closed and to call back on XX/XX/19. Called bluebird fraud department on XX/XX/2019 reported money taken out of my account that I did not authorize. Was informed that an investigation would take 45 days and that I most likely will not get my money back, even though bluebird by america express advertises fraud protection they dont protect you from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
I was a victim of the Equifax hack. My information was leaked and released. Now i have to spend money to buy Credit protection that costs {$100.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Source Receivables Management LLC
State: NJ
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:
The credit bureaus reporting false information. I been disputing this for months. And if taking longer than 30 days to get a response. It keep coming back verified. This is false information I never did any business with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: MN
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:
Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, Experian and XXXX  credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2018-09-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint against Transworld Systems Inc. and the XXXX XXXX XXXX XXXX department. 

On XX/XX/XXXX I received a notification from Transworld Systems Inc. that an account of mine has been placed with them for collection. The account is with XXXX and is in the amount of {$310.00}. 

I have a payment plan with XXXX for this account that was started in XX/XX/XXXX. My monthly payments are current and complete. Please see attached for correspondence with XXXX XXXX XXXX XXXX department on setting up the payment plan, as well as the XXXX and XXXX installment payment confirmations. 

XXXX should have never placed my account for collection. Additionally, this balance payment is for a medical bill that was not processed by XXXX in a timely manner with the insurance company - please refer to my XX/XX/XXXX CFPB complaint # XXXX. This will ruin my credit score and  Transworld Systems Inc keep calling me while I am at work and not able to discuss sensitive details on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

Choice recovery responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via XXXX  website and Transunion website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.

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 2018-09-24
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX my vehicle was repossessed by Santander Consumer USA. I had missed several payments and was past due. I was aware of this. My issue is their company acting in bad faith, and while what they did may not be illegal it is certainly unethical. 

I had previously missed a payment arrangement due to some personal financial issues and problems with fraud on my bank account. 

However, between the XXXX of XXXX a representative from Santander called and informed me of the past due. I offered to make a payment on XX/XX/XXXX and another within 2 weeks to bring my account current. At no time did he mention the possibility of me being repossessed and needing to make a payment sooner. Obviously, my car was taken 2 days before the payment which would have brought it under their " repo '' past due limit according to their reinstatement specialists. 

They had previously sent me a right to cure letter, and that date had passed. However, the fact that they were still calling me and taking payments led me to believe that they were working with me. 

After trying to explain the situation and get my vehicle back they have not offered any type of solution other than completely paying the vehicle. 

I should also mention that at no time was any kind of extension given, or reduced payment plan despite asking numerous times. 

On XX/XX/XXXX I received a letter from Santander dated XX/XX/XXXX offering an assistance program to bring my account current. After calling in I was told this was a mistake and I can not do any payment plan/assistance program. I was told that if I had done it before repossession I could have used it, however I explained I was never offered any plan even after asking. They did not care. 

I also learned that my optional GAP coverage and extended warranty were successfully refunded to Santander on XX/XX/XXXX. This totaled around $ XXXX+. I understand that this applies to the principal, but it should have also showed my intention to pay the car since I had cancelled these optionally before repo. 

Combining all these things makes me very frustrated how all of this has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife is an XXXX  XXXX who applied for and received an Economic Injury Disaster Loan from the SBA, as offered under the CARES Act. The funds were deposited into our bank account with the account and routing numbers we provided. 

Several days after the deposit, our bank, JP Morgan Chase, locked our account and is demanding certain documents ( such as an EIN Number ) that don't pertain to her, nor were necessary for her EIDL loan. Chase Bank is demanding proof from us that XXXX XXXX a XXXX 

My wife, XXXX, XXXX  for XXXX, and received a 1099-MISC for last year 's income. This was the only form that was required of us in applying for the EIDL. The bank would not accept it, nor even look at it. 

The EIDL was offered to businesses AND independent contractors. The bank manager, along with two other bank employees, had never heard of the program, and are assuming we applied for a regular small business loan from the SBA and are committing some kind of fraud. A meeting at the bank ( over an hour, ) was unsuccessful. They wouldn't look at our 1099 or our 1040, nor our SBA loan documents. They were unwilling to help us, are not allowing us access to our bank accounts, and will close our account in 10 business days and will send OUR money back to the SBA. 

Chase Bank is holding our money hostage, and they mentioned that they are going through this process with other people as well. This needs to be looked at immediately. 

Under the CARES Act, the EIDL program is helping Americans in crisis, including us. Chase Bank is unfairly restricting bank accounts and holding these funds from those who rightfully received them from the SBA. Please help us and the others that are so unfairly being harmed by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started an application with loandepot.com on XX/XX/2019. I was preapproved and an appraisal was ordered on XX/XX/2019 and my credit card was charged {$490.00}. The appraisal was scheduled on XX/XX/2019 and completed on XX/XX/2019. The loan hadnt even hit underwriting when the appraisal was ordered. Around XX/XX/2019 loandepot began asking for additional sources of revenue which meant they were having a hard time approving the loan. My loan was denied on it about XX/XX/2019. 

Why was an appraisal done so early in the process before approval was ever given. The appraisal fee is not refundable, and I only am agreeing to pay for it thinking I am being approved. This appraisal offers me no value if the loan is denied. I am not able to use it when/if I apply or reapply for any other loan with this vendor or any other. Its basically taking {$500.00} out of my pocket. If this happens with every lender even working competing loans, that is a lot of money out of pocket. If the lender orders 10 appraisals and 4 thats a lot of money in their pocket as I know they do not pay that entire fee with the appraisers. 

When I spoke to my loan officer asking for a refund she said she would see what she could do. I spoke with her supervisor who said he would speak with my loan officer. I  was given a refund of {$28.00} on XX/XX/2019. I reached back out to my loan officer and received no response as to why I was not given a full refund. I feel as if this money has been stolen from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of todayXX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
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 belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # 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 2018-09-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that Sync /XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # 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