BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
Equifax mishandled my information, which puts me and other XXXX XXXX Americans at risk not only financially but also emotionally. It makes me very anxious to have found that I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
As a company that handles sensitive personal information, they did not notify anyone quickly enough and admit that they will not notify everyone, while their top 3 executives XXXX XXXX, XXXX XXXX and XXXX XXXX sold their shares worth 1.8 million dollars 3 months prior to this issue was disclosed to the public  blinded by the quick profit!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have filed a complaint in regards Nationwide Advantage Mortgage reporting me to credit bureaus affecting my credit file and creating a big financial burden on my business ability to get bonded and obtaining credit as well they had said yhey were going to remove the late payment they said I was late on in which I made the payment on XX/XX/XXXX and they proceeded it XX/XX/XXXX my credit score has drastically dropped Nationwide is preventing me and my family hardship not allowing us to refinance our mortgage due to reporting us to the credit bureaus they even stated for me just to quick claim the home to them me and my wife have been paying The mortgage 9 years this is how Nationwide repays it customers they said the would inform credit bureaus to remove the late payment pass 30 days and they have n't I disputed my late payment with transfusion and they said that Nationwide said it was accurate they lied to me and CFPB in not fulfilling their part. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 disputed multiple inquiries on my Transunion report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XX/XX/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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My wife and I have two credit card accounts with Chase bank under the Southwest Airlines Rapid Rewards program. We wanted to close one of them. 
I spend about two hours on the Chase bank website and downloaded and read the entire " Terms and Conditions '' of the credit card contract ( attached ) and could not find ANYWHERE what I needed to do to close the account. 
Just FYI, I am an attorney. It is very basic contract law that the contract include how either party can terminate the contract, but the Chase bank " Terms and Conditions '' of the credit card contract does not include any information about how a consumer can cancel or terminate their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance have been paid in full however, they are reporting inaccurate information on my credit report and it needs to be removed. The company sold me a car that did not last 3 months and the vehicle broke down. The company has contacted me with misleading in wrong information and has violated my consumer rights. Due to this account and it's inaccurate information, this is hurting 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 2015-07-10
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am needing an advise on what to do with CashCall. I have the loan with them around XXXX. I have been paying religously and try not to be late with that company. But when I called last month my loan is still $ XXXX. I asked how come the loan never came down and was told that only {$3.00} goes to principal. I was shock and blame myself for taking this loan as last year was very hard for my family and I. I was working as a contract for work and did the CashCall loan as we need it. I have paid them to date {$1600.00}. The reason why I tried to keep on paying on it is because I read alot of how they harassed their customers. I cant afford to pay this anymore and afraid that if I stop paying they might harassed me at work and I am still new in here. Can you please help me as what to do. Thank you so much and god bless ... If you published this please change the my name. Thank you again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/2016, I submitted XXXX transactions on MoneyGram International site. XXXX of them succeeded, yet there was network connectivity issues between MoneyGram and my bank via through me. Due to the first transaction, it became an error, yet my bank still saw the hold amount against my account as authorized transaction. XXXX one was canceled in my choice due to the first error. The XXXX transaction, I choose to post ACH money transfer through my routing and checking account, and that too was successful attempt, and due to the present errors I found after the fact of calling MoneyGram, I canceled the third transaction. On XXXX/XXXX/2016, I see a debited amount charged on my account of {$99.00} against me, and now caused overdraft charges to other amounts I posted besides this charge, that I did cancel was posted by XXXX XXXX and paid MoneyGram, yet they insisted and denied that they did not receive any monies from due to it 's cancellation. I have documents to suffice and prove this is the later and is contrary and untrue, and was still charged and my bank institution still accepted the payment and debited other fees due to my in the negative balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion was sent new information based upon Section ( 609 ) of the Fair Credit Reporting Act. Transunion did not respond with proof of debt that was received from the creditor. As a result, Transunion 's response is unsatisfactory. Based upon Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). As we know the burden of proof is on Transunion to provide accurate proof of debt which has not been done. Thus said I am requesting that Transunion provide the original proof that was sent to prove this debt is mine. I am requesting documentation of contracts and original signature. If this can not be furnished I am requesting that the in question debts be removed from my credit report effective immediately. 


Transunion has also been asked to investigate multiple inquiries on my credit report which has not been done as well this has been requested more than two months ago.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I was contacted by my financial adviser that my credit has a negative information being reported. Upon reviewing my credit report I noticed that Chase XXXX was reporting an account that has mixed information. I contacted Chase and they explained to me that not only was this account being reported as bad debt but that a XXXX was filed with the IRS. I informed them that this account was not mine and that I wa n't this information removed from my credit report. They told me that they where going to investigate but that the XXXX still remains effective and that the investigation can take up to 90 days. I was then transferred to a supervisor once I mentioned that I was filing a compliant with the CFPB. This situation has prevented me from obtaining a loan that I much need. How can these companies open accounts and report it to the credit beaus with verifying the information? This account is not mine. I spoke to a XXXX ID # XXXX and a XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, My name is XXXX XXXX. I was told by my mortgage company that I would not be able to pay off the premium on my house until I get an appraisal and pay them 20 % of the price paid of all work I have had done on the house since I purchased it in 1990. The mortgage company is PHH and when did it become a policy to charge an extra 20 % at the payoff of my house. Please help me to understand what is going on. There has been no major work done to my property but there is a lot of work that needs to be done to bring my house up to code. The plan is to renovate after I pay off the mortgage company. 
I can be contacted by phone ; XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been receiving threatening and harassing calls from Premium Asset Services in XXXX XXXX, CA XXXX. They called my employers twice, today and yesterday pretending to be a mortgage company. I attempted to find out what they were calling about, they refused to tell me unless I confirmed my social security number. When I refused to confirm my social security number over the phone, they threatened to sue me and have may wages garnished. I was transferred their so called legal department and threatened with court proceedings as I did not want to confirm my social secuirty number over the phone, stated that they would not give me any information without doing so.Case # XXXX I checked my credit report, I do n't see any company by the above name. I have a discharge bankruptcy and my accounts that were in collection were included in bankruptcy and charged off. I have never dealt with any company by the name of Premium Asset Services. When I googled them, the information was that they are a scam company and they have an F grade on the XXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank has not been been able to resolve an issue with our mortgage payments. Their failure to post a payment three years ago has caused damage to our credit score since it seems our account is past due. We have attempted to resolve this issue on numerous times to no avail. Every time we call, a new representative takes our phone call and, after looking at the evidence, agree with us that it was a simple accounting error. We wait for another three months and call again. As you can imagine this is a XXXX situation and we are ready to take legal action. A friend recommended we take our case to this agency. Thank you and hope to hear from you soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 summited a request to TransUnion and XXXX asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.

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 2020-06-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Navy Federal Cr Union $ in XXXX, {$26000.00}. I have reached out to Navy federal in regards to these fraudulent accounts. I have inform this company of my identity theft. No results have been made. This is violating the fair credit reporting act. Im requesting your assistance with having these accounts deleted from reporting to my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018 I sent convergent outsourcing a letter to verify a debt with XXXX of {$1900.00}, they have on my credit report. They sent a bill which is not valid proof or a signature of a contract that this debt is mine. The debt is not mine and Ive sent a request to them to delete the debt from my credit report from all three bureaus.

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