BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: NCP Holdings, L.P.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I WAS SOLICITED BY QUICK CREDIT CONNECT VIA US MAIL WITH A PREAPPROVED CHECK IN THE AMOUNT OF {$2600.00} IN XXXX OF XXXX WITH THE UNDERSTANDING THAT THIS WAS AN INSTALLMENT AGREEMENT. I MADE MY FIRST PAYMENT OF {$210.00} ON XX/XX/XXXX. XXXX XXXX XXXX IN TURN CONTINUED TO DEBIT MY ACCOUNT EVERY XXXX FOR {$210.00} AND THAT WAS NOT OUR AGREEMENT INITIALLY!!! ACCORDING TO THE ORIGINAL DOCUMENT. THE PAPERWORK, UPON FURTHER REVIEW IS NOT AT ALL WHAT WAS ORIGINALLY MAILED TO ME. ( SOMETHING IS ROTTEN IN XXXX ) THIS COMPANY APPEARS TO BE SWINDLING CONSUMERS WITH WHAT APPEARS TO BE A BAIT AND SWITCH TACTIC IN MY OPINION!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that 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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that 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 2020-02-28
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: Information belongs to someone else

Complaint:
I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-06-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have written Exp erian SEVERAL times aski ng them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have writ ten TranasUnion SEVERAL times as king them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter during holidays on XX/XX/2019 while we were out of the country, that my mortgage was transfered to another Mortgage company. Mr Cooper indicated that all automatic payments would stop immediately thing that didn't happen. I got double charged ( new Lender ) and Mr Cooper. I've been calling, asking for the reimbursement of my money and they don't act, respond or do something about it. I am claiming the reimbursement of {$1400.00} with no success. Several phone calls, follow up and Mr Cooper Lender ( Nationstar Mortgage LLC ) just simply do nothing about it. The money is in their system as " Miscellaneous Payment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: BANK OF THE WEST
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for credit on XX/XX/XXXXXXXX  to buy an RV from Bank of the west/ Essex XXXX  . I had recently purchased a new home in XXXX on XXXX to which my brother and I pay half the mortgage. My loan was denied I called many days Ina row and left many voicemails for the person who was supposed to be my loan officer and never got any response on why it was denied. I also sent many emails that went unanswered as to the denial.

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 2022-04-04
Company: Razor Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX ). 
The debt was garnished by a company named XXXX XXXX XXXX Razor Capitol . 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole {$13000.00} out of my Chase checking account. I live in XXXX, and during a period of 2 days, there were several ATM transactions that wiped out my money. 

XX/XX/XXXX : 3 ATM transactions in XXXX XXXX ( a 8-hour drive from me ) : {$3000.00} {$500.00} {$500.00} One non-Chase ATM fee for {$2.00} XX/XX/XXXX : XXXX XXXX withdrawal in XXXX, CA ( 8-hour drive from me ) : {$2500.00} Non-ATM cash fee : {$75.00} ATM withdrawals : {$500.00} {$2500.00} Non-Chase ATM fees : {$2.00} {$2.00} {$2.00} {$2.00} {$2.00} XX/XX/XXXX : ATM withdrawals in XXXX XXXX ( 8-hour drive from me ) : {$3000.00} {$500.00} I contacted Chase on XX/XX/XXXX and notified them that I had not authorized those transactions, that I had the ATM card in my possession. I rarely used this card, and the last time this card was used was midXXXX at XXXX. I live 8 hours away from where transactions took place, and I was home during this entire time. My PIN number is not written on my card and I still have it. 

I received notice from Chase that my claim is denied because the transaction was authorized. The letter said I can call Chase " to request the information used for our research ''. I called Chase customer service and was told that the pin that was used was mine, there were no repeat attempts to pull the money, and that the money was taken out in my geographical area ( apparently Chase thinks that being within an 8-hour drive is the same geographical area ). The customer service rep said I can submit proof that I did not give my pin to anyone. When I requested the information they used in making the decision to be sent to me in writing, she said : " Your pin code was used. Do you want to write it down? '' She refused to send me any information in writing. 

I was in XXXX the entire time. I also have personal accounts with Chase, and I used my personal ATM card on XX/XX/XXXX in XXXX XXXX, CA. I couldn't have been in both XXXX and XXXX XXXX on the same day. 

Chase is refusing to take responsibility for a fraudulent withdrawal that wiped my money and refused to provide me with documentation, even exact locations of withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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 sent this company a settlement letter and they agreed to the terms and condition by cashing the cashiers check. Now they will not remove the items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Target is reporting my account as over 30 days past due. They are also reporting it in 3 different months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on 3 different credit reports ( XXXX, XXXX, and XXXX ). I have asked them numerous times to remove the delinquency because there was an error on their part for the reporting. I never received any bills, or emails, or phone calls regarding the account. The first phone call I received was after the account was over 30 days delinquent. If you listen to the phone call, which is recorded, you can tell I didn't even think the account was delinquent. I told them that if they would have ever left me a voice mail notifying me the payment was due, I would have immediately paid it and the account never would have been delinquent. I have had the account since XX/XX/2006 and never made any late payments. This should show that something rather out of the ordinary must have occurred. I asked them to review the calls to my number and they would see that no voicemails were left EVER! They are adamantly refusing to do the right thing. I am in dire need of assistance because I am trying to purchase a home and I am over them not investigating and telling me conflicting information. I had one person tell me, in a recorded conversation, they would have the bureau remove the item. Then, when I called them back 45 days later, they told me to stop calling them because they WOULD NEVER remove the item. I am tired of playing games and need this situation rectified immediately. I have been dealing with this issue for nearly a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: GA
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:
My student loans was sold to  XXXX  ( unbeknownst t o me ). I 'm c urrently in forebearance and will be until  XXXX / XXXX / 17 , however,  XXXX  have started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted my credit score and have caused unwanted  financial issues.  XXXX  is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My student loans was sold to  XXXX  ( unbeknowns t to me ). I ' m currently in forebearance and will be until  XXXX / XXXX / 17 , however ,   XXXX   hav e started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This  incorrect information has severely impacted my credit score and have caused unwanted financial issues.   XXXX   is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- OPPORTUNITY ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

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 2017-06-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have written Equifa x SEVERAL times  asking them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I received an email alert from XXXX XXXX that my score recently changed. After I clicked on check my score it shows that my Transunion score through XXXX XXXX decreased by 20 points. It says Transunion found 1 change to my report that an account was removed. The account is XXXX XXXX XXXX Credit Card . I still have an account with XXXX and it is in good standing. My credit limit with them was also increased from {$500.00} to {$1000.00}. I have never missed or been late with a payment. Also this account was recently sold to XXXX by XXXX. I also recently filed a dispute because my credit limit was still being reported as {$500.00} which has since been corrected. I reached out to Transunion on XX/XX/2020 about this and spoke with XXXX. I informed him of the email I received and explained to him that I had just received this email from XXXX XXXX explaining to him everything in the email. XXXX stated I would need to contact XXXX XXXX. I said why should I contact them they are not the credit bureau and they get their information from you Transunion. He then suggested I maybe had some late payments or other derogatory marks that was affecting my score. I said no it says I have a stellar payment history. I repeatedly told XXXX this information was based on information from Transunion which it clearly states and was not in my XXXX  file and shows my account with XXXX XXXX/XXXX  Credit Card. I was then told he could not provide my credit score and that I would have to pay for this which I paid {$9.00}. I was getting nowhere with the representative at Transunion. I also reached out to XXXX XXXX as XXXX suggested and am still waiting for a response. I am hoping that they will correct this because this has a negative impact on my credit file/score. I have attached my XXXX XXXX/Transunion report as well as my account information for XXXX XXXX Credit Card.

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 2022-04-04
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr sent a background check to XXXX which caused my account to get deactivated by XXXX. The background check was not accurate and incomplete. It showed I had 2 accidents but did not specify that I was not the driver at fault in either accident and that I also stopped for an ambulance to get thru in the accident and the person behind me didn't see the ambulance and bumped me from behind. It even specifys this in the accident report from the police. It is nearly impossible to get thru to an actual person from XXXX or checkr to explain the inaccuracies reported. I've sent over 50 different emails between the 2 companies and can't get in touch with an actual person.

Company response to consumer: Closed with explanation