BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: IN
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was unauthored account made at a bank called Comerica bank the state of XXXX, MI XXXX. I contacted the bank and they immediately closed the account. The number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX at PNC bank wouldn't underwrite my mortgage because I was on EAD while XXXX XXXX XXXX company took over my loan application and saw my home purchase to completion. 
Due to Interest rate hikes, my rate went from XXXX to XXXX because of the XXXX up by PNC bank. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Chase refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Westlake Services, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Wilshire Consumer Credit is the worst company that I have ever had to deal with. I had a loan with them, and was paying {$14.00} extra per month just to pay off the loan faster. In XXXX I ran into some health issues and was {$16.00} short on my payment. WCC started calling me XXXX times a day, including Sunday. I spoke with them and informed them of the situation and that I would be paying off the loan. I got the information on the pay off and a check was sent out XX/XX/XXXX. They received and cashed the check on XX/XX/XXXX then on XX/XX/XXXX they repossessed my vehicle. Every customer service rep I spoke with was extremely rude and several hung up on me. They refused to give me any information on where my car was even just so that I could get my work badge and kids Christmas presents. Even though they repoed the car illegality, they refused to return my vehicle or my money. After fighting with them for days, missing work and my son missing school, I was left with no other option than to pay the repo. I sent them the payment of {$430.00} in the form they required and after they confirmed that they have received it, they said they didnt have any info in my vehicle and to call back Monday. I work weekends and this is the last weekend before XXXX!!!! They are crooks and have no sense of company/consumer relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Midwest Recovery Systems
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed the collection item noted on my account from a creditor I don'y remember and not be a medical facility in the last 6 months.I tried calling at that number but did not get an response.At this time I feel this is a debt due to identity theft plus I am not not able to understand why i don't get nay response and this has ruined my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2015-10-16
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an offer from XXXX for a {$400.00} bonus after opening a credit card from XXXX XXXX. I clicked thru and did everything asked of me on XXXX XXXX and the application, they ran my credit, and I was approved for a card. After receiving the card, I started receiving emails saying I had to do more to get my bonus. I clicked thru to complete whatever additional steps were required, but when clicking thru, I was told that the application had 'timed out ' for the 'rewards checking ' account that had to be opened alongside the credit card in order to receive the bonus. This is shady, deceptive and misleading, as this was not mentioned or advertised, and was not even possible to be done, as I tried to fill everything out as mentioned by the company. It seems they just promise a bonus to new customers to get them to sign up and run their credit, and then make up excuses and try to not honor the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The date : XX/XX/2019 Amount : {$1500.00} There is a medical debt in dispute between myself and my XXXX XXXX office. The debt eventually went to debt collection agency after failed attempt to resolve with the XXXX XXXX office. The collector put it on my credit, without sending me validation letter. 

I have evidence showing the debt is paid in full by my insurance company. The image of cashed check obtained from insurance company, and the billing report from XXXX XXXX  office prove that the debt is fully paid.

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 2020-06-17
Company: FC HoldCo LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to the CFPB to file a complaint in XXXX. The complaint was with regards to Flagship Credit Acceptance not providing fair, transparent services and with regards to their refusal to assist with a deferral of the monthly payment as they claim to do, during the COVID19 pandemic. 

With the assistance of the CFPB, Flagship Credit Acceptance responded saying they will defer the payment XXXX monthly payment being ~ {$600.00} XXXX until XXXX. 

Flagship credit acceptance have now been calling, sending messages and emails attempting to collect a ~ {$1800.00} payment, saying that my account is over 40 days delinquent. Not only does this not constitute any assistance during the pandemic to a small business owner who has reached out for assistance but it establishes fraudulent communication tactics and misinformation to create fear and panic with the lenders who are doing their best to make ends meet and meet their financial obligations.

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 2016-10-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I dispute this debt belongs to me so I repeatedly requested validation and received no documentation. After receiving no documentation, I called XXXX and they confirmed they have no documents whatsoever. As there is no evidence of this debt whatsoever, I requested deletion of this trade line from my credit reports.

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 2016-02-17
Company: Credit International Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted XXXX about fraudulent charges that were made on my account and the customer service representative told me that they wouldnt be able to issue anew card or remove my fraudulent charges since the account was closed due to non-payment. I was unaware of this these charging that were made.. To my knowledge I didnt owe a payment because the account wasnt being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened this card with a {$2000.00} credit limit in XX/XX/XXXX I have never paid this card late I have always paid way above the minimum payment due I just received a credit limit increase in XX/XX/XXXX bringing my credit limit up to {$5000.00} my balance on the card has never gone over XXXX % and then in XX/XX/XXXX my credit limit was dropped to {$600.00} while my bill was {$580.00} bringing my card to 90 % percent usage and dropping my credit score when I asked XXXX 's XXXX XXXX for a reason they would give me and increase and then a massive decrease in 30 day timespan I was told due to them checking my XXXX  score and it was a XXXX that is completely false I pay for my credit score from all 3 major credit bureaus directly and my credit score has not been in the XXXX 's at all and there was no ding to my credit from XXXX to XXXX to prompt any issue and in fact XXXX 's affected my credit by putting me so close to the limit and increasing my debt ratio I want my credit limit increase or this card closed I have attached my credit report from XXXX to 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 2022-07-24
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-14
Company: Freedom Mortgage Company
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:
Freedom mortgage has been illegally reporting non payment, affecting my credit score and generally harassing my family with threats. 

On XX/XX/XXXX I was alerted to a derogatory entry in my credit report by Freedom. I immediately filed a dispute : XXXX. Several hours later Freedom chaned my credit report but STILL did NOT post status as CURRENT. 
Every single payment from my account to Freedom cleared WELL before the legal definition of 'on time ' payment. 

Additionally this company had attempted to place lender insurance on my home and attempted to extort XXXX out of my family. This is well after they received proof of insurance. 


Processing FREEDOM MORTGAGE CORPORATION BILL PAYMENT Debit - {$1400.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Personal information incorrect

Complaint:
Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me

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 2015-04-06
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. 

On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. 

The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank reported a 30 day late payment on my credit reports in XXXX XXXX on the home equity line of credit account. Chase stopped reporting to XXXX in XXXX XXXX. The wrong loan balance is on the credit reports. I am disputing the report of any late payments & the loan balance is wrong.

Company response to consumer: Closed with explanation