BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to IC System on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. I sent a letter to XXXX asking them to delete this account from my credit report because it can not be validated and thus being falsely reported. In addition to the failure to validate the debt, IC systems is now reporting that the date of last active is XX/XX/XXXX which is considered re-aging and is illegal. This is not my account and it should be deleted immediately.

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 2016-09-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. 

And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. 

Then for conclusion, an enrollment page in myscore.com and various other online services. 

Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. 

Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. 

The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. 

Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In recent days I opened a new credit card with XXXX XXXX and checked the XXXX SCORE and I realized that there was an account closed with the OPORTUNXXXX company with a credit of {$1200.00} dollars, which I never requested, I spoke to the company and provided my name, address and social security number and they tell me that with my social security number there is NO account but with my name if there is a registered accountto which I inform them that they are directly but with my name if there is a registered account affecting me due to said negative report on my credit. 

present the respective claim to the XXXX credit bureau since it is the only one of the 3 bureaus that has this negative report in the other XXXX there is no such negative report. 

someone unscrupulously used and/or stole my name and address to apply for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
USDOE/XXXX  XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF XXXX XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX {$870.00} was taken out of my checking account by Wells Fargo without just cause. It was charged by XXXX XXXX in XXXX XXXX, CA I was not there nor did they have Authorization. It took a while of yelling at them for them to put it back, but they did. They tried to blame it on computer system issues. 
After that, WF took the money out again last month, blaming it on length of charges taking to settle. No such thing happens like this. I also noticed that they had my debit card number, it's Defenitely fraud. 
I've argued with the bank repeatedly, it shows just how crooked this bank is. 
They also filed a claim but that's also fraud because they did it as if I filed it ... ... they lied about giving me the claim number, seems pretty screwy. I've contacted this place also but they won't return the money. 
I've suffered th e loss of my fiance, had XXXX XXXX, etc ... ... this bank should be shut down, it's a disgrace!!! 
I'm reaching out to you guys so I can recover some of this money, please I really need the help!!! 
THANK YOU!! 
XXXX XXXX. 
I can provide bank statements

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 2022-03-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, I received a letter from Midland Credit Management , LLC. They have accused me of opening a credit card with XXXX XXXX in XXXX. I don't recognize the card nor the address on the bill. I have not lived in Arkansas since XXXX. I don't know anyone in XXXX, AR. I believe my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 was part of the group effected by the XXXX  breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX and XXXX XXXX. The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put on 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 non-monetary relief
Consumer complaint received 2020-04-20
Company: J J Marshall & Associates, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was charged fees by XXXX XXXX XXXX for services that were not performed including cleaning and maintenance for a home I own. The work was billed but not performed. I have video by a licensed real estate agent of the condition of the home after it was " cleaned and maintenance completed '' by the claimant. The company that supposedly performed the work then sold the amount due to a debt collector, JJ Marshall & Associates. XXXX XXXX XXXX has committed fraud by charging for work they did not perform. I have contacted XXXX XXXX XXXX repeatedly and they are not responsive. I have attached pictures of after the work was supposedly performed. I also have videos but they are too large to attach.

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 2022-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a charged off credit card balance with USAA and I obtained a settlement offer. I mailed them the check for the settlement offer and the check was cashed on XX/XX/21. But, USAA is still showing on my credit report that I owe then {$710.00}. 

I specifically informed USAA that I accepted the settlement offer and met all requirements of the settlement and they cashed my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2015-06-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: TN
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:
I entered into a trial modification agreement with XXXX XXXX and accepted the 3 monthly payment option from them. The initial payments were due XXXX XXXX, 2017, XXXX XXXX, 2017 and XXXX XXXX, 2017. Although I have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with Equifax, XXXX or XXXX. These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by XXXX is negatively affecting my credit score and potentially keeping my score from being higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! Transunion is reporting over {$13000.00} XXXX is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!

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 2022-08-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint # s XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS, 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 XXXX ; XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2016-01-29
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything. 

XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-05-26
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Q   uick
en Loans needs to be investigated relative to their deceptive practices on offering their current customers refinancing as their practice prolongs the debt for the consumer and puts tens of thousands of dollars ( per consumer ) into Quickens pocket for miscellaneous fees. This practice also puts consumers in an unfair position relative to the housing market ( little to no equity ) and increases the amount of risk for both the lender and the consumer. About 4 years ago I financed my house with Quicken Lo
ans. Every year since they call me to refinance my house promising cash back and lower interest rates. They quickly collect a {$500.00} non-refundable refinance/appraisal fee up front and then drop you into the process.
In year two, I decided to take the plunge after being told I could take a large amount of equity out of my house and that my interest rate would be lowered ( same pitch as the previous year ). Upon providing Quicken {$500.00} to handle the appraisal, I was provided a breakdown of the forecasted transaction. This transaction did not show ANY cash back. In fact, it showed me paying roughly {$21000.00} in refinance fees to Quicken and a significant increase in my monthly mortgage. I immediately contacted the Director via email and told him what was going on. After multiple attempts at contacting them, they never contacted me back to resolve the issue. I cancelled the transaction and requested a full refund as I had all of their promises in writing. It took me contacting the Office of the President to get the matter resolved.
Each year, they continue to call me with the same sales pitch. I block th  eir number only to have them roll their number and continue to har  ass me with daily calls and emails. This practice is HIGHLY deceptive and has the ability to quickly put the consumer upside down in their mortgage. This should be illegal and is very unethical AND SHOULD BE ENFORCED by the FTC as Quicken uses this model to continuously pump enormous fees into an already existing account, while resetting the mortgage loan to day zero so people have no equity and never get out from under their mortgage loans. This also puts our economy at risk!
This practice is a violation of the UDAAP Act and their contact practices are also a violation of the TCPA laws. Consumers should beware before paying any fees upfron  t.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having continued issue with an account that is reporting on my credit report with XXXX account number XXXX. XXXX is refusing to remove the account from my credit report even though i have supplied them with evidence showing this account was not opened by me. Experian is reporting the account as if it was a business account target in their response to the CFPB said this was a personal account. The account states that it was purchased by another lender which originally it was XXXX XXXX XXXX but the account was then returned to XXXX due to the fraudulent nature of the account. The account is reporting Charged off on 2 seperate months and years XX/XX/XXXX and XX/XX/XXXX I would like to dispute all of the above mentioned factors with Experian and they are not allowing me due to the previous disputes. I need this investegated and for the account to be updated accordingly.

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 2015-06-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was looking online to refinance my mortgage and put my phone number down to get a free quote online, i thought.I was then inundated by calls from companies I did not ask to call me. I spoke to a XXXX XXXX from XXXX XXXX XXXX. I told him I was not interested, but Thank You. Then I get an alert that a company " XXXX XXXX '' pulled my credit for this XXXX XXXX without my permission and no application that i filled out. I called them and asked them to remove this inquiry. They said XXXX XXXX 's company would have to and gave me a number that was disconnected. XXXX. XXXX XXXX number is XXXX. I am coming out of bankruptcy and this really hurts my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation