BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My name is XXXX XXXX XXXX. I reside in XXXX XXXX, NC. I kept receiving offers from a lender called Mariner Finance ( who is located at XXXX XXXX XXXX XXXX XXXX ) to my mailbox about a personal loan. A check came from them with my name on it for {$1200.00}. I called the location to ask if the check was real. The branch confirmed, so I took it to XXXX  XXXX XXXX who it is drawn off of to cash. I cashed the check successfully. A month later after I made a payment on the loan, I received a call from Mariner asking if I would possibly need a little more funding. Manager XXXX stated I was able to get {$500.00} more and to come to see him, bring I.D., Social Security Card, and last 2 pay  stubs. 

I went that same day to see XXXX, and he told me the social security numbers do not match what's on my card to what's on the computer. He asked me a question about my car, I stated yes I have a XXXX XXXX. Then he states another vehicle 's name, and I said no that's my father. My father has never lived with me, he has never resided in XXXX County which is where the city of XXXX NC is located in. He stays in XXXX, NC. 

Manager XXXX tells me well he will just have to get it switched out of my Dad 's name and into mine, no problem. I kept calling trying to inquire about what was going on and he kept telling me they were working on it. About a week later, XX/XX/2019, I talked to a representative at Mariner Finance by the name of XXXX at the XXXX XXXX location. I told her I was following up on my account and told her the issue. She stated it was approved for me and it was out of my father 's name. I went down to Mariner Finance. brought a copy of my last two pay stubs, I.D., and Social Security Card. I was placed in a room, was told to fill out a reference form. I was in the room alone for about 45 minutes to an hour. 

Manager XXXX steps into the room and says they could not get approved, they need my father 's name on it. I said No! I have already spoken to my father about this mixup and he does not want his name on any loan! The manager then started to tell me well you cashed a check meant for him. I told him that's not my problem! That is your company 's mix up and then you falsely tell me it's been fixed and I come down here and it is not! He said this happens all of the time and there is nothing they can do about it. I asked for the corporate office phone number, however, I have received no callback. 

This is not proper lending practices and I would like help on this matter. My father should not have his credit tied up because of Mariner Finance 's mistake. I am willing to have it on my name as the check came to my address in XXXX. I also believe I tried to apply to them before in my history while I was in 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 2022-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To be honest i dont know who or have the number nor email but i got a call from a loan service and accidently me being confident that day gave this guy my id number my bank account number etc my social my email to my bank account my routing number my password and i dont wan na get blamed for something i didnt do so for that reason i wanted to make this complaint just to ensure my safety because im bot going to go down for someone elses wrong of doing but anyways yes sorry for the inconvenience and just wanted to see whats going on with my credit score it says my credit scorebis locked and wan na get more information about that by any chance may you be able to help and wanted to see if you may help me get a backround check on myself to see if anybody is doing fraud on me. And future reference it says i put 2 different adresses but if so my keyboard on my phone probably auto corrected it and with out knowing submited the application i dont know who know but yes need guidance please and thank you for your time have a blessed day.

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 2022-10-03
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: JPMORGAN CHASE & CO.
State: TN
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:
Beginning in XX/XX/XXXX Chase began FRAUDULENTLY running my credit under the ruse that I applied to XXXX for Credit. I DID NOT AND NEVER HAVE! In addition to me not actually doing so the reasons like " no bank account '' and " XXXX credit score '' were MADE UP as I've had the same bank account for over 20 years and even with the running my credit FRAUDULENTLY for about 10 times my credit score is XXXX or more! They supposedly notified the credit reporting companies of the FRAUDULENT runs and on XX/XX/XXXX sent me a letter acknowledging the FRAUD which I have attached. 

The PROBLEM is that on XX/XX/XXXX received a notice telling me about " their right '' to share my information! I'm filing this complaint because Chase dose NOT have this right as the " applications '' were FRAUDULENT! Common Sense should have told Chase to PURGE my and my information from their system and they are NOT rightfully in possession of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX 2017 I noticed a collection account on my credit that was never there before from a company called Portfolio Recovery. I originally disputed the account with the bureaus. however according to the bureaus the company alleged the account is mine so i contacted them. Its been 6 months and i have not received a response from them and i do not know what the debt it for- it was never validated and i was not contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: OR
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:
Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  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 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivable Performance management ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, Washington Zip : XXXX Phone # : XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication and based on the failed communications. This debt collection agency did not try to reach out to me in enough means before damaging my credit history. 

I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
In Accordance with the Fair Credit Reporting Act, XXXX, TransUnion and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT 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 2021-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 @ XXXX XXXX  Chase Bank ( NMLS ID XXXX ) they had made an unapproved, withdrawal for money @ {$120.00} ; XXXX was {$870.00} from Checking account # XXXX, and gave it all to the Department of Education for a student loan but the deduction doesnt show the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Byrider Franchising, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Today upon checking my credit report on XXXX XXXX my score decreased significantly because XXXX   reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase assumed my mortgage as servicer, and they have charged me PMI three times in the month of XXXX, and two times for the month of XXXX. My mortgage agreement says that I pay PMI once per month. I demanded that they refund the additional payments. Chase refuses and states that the other servicer was not charging me monthly PMI and they are " catching up ''. Further, I paid the XXXX down to under 80 %, and Chase stated that they would submit to cancel PMI and I would hear back within 5 business days - this was as of XX/XX/XXXX and all of these messages are in writing. On XX/XX/XXXX I was once again charged PMI which I am now demanding a refund for. 

It is very difficult to get straight answers from Chase, and they appear to deliberately make things confusing in order to try and gain more fee payments. My prior servicer ( XXXX  ) was straight forward, easy to communicate with, and did not make over-charges each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, TransUnion LLC, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

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 2017-04-12
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe Jefferson capital I never made any arrangements with this 3rd party and needs to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have not used XXXX services for several months. I contacted XXXX via both online and by telephone and asked for cancellation of services and VISA card withdrawals. I was told the account was cancelled and there would be no further charges, but the charges go on as before. I reported my VISA card lost and got a new card, but VISA gave the new card number to XXXX and the charges continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: OneMain Finance Corporation
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 information incorrect

Complaint:
Account closed with one main XX/XX/XXXX. Account does not reflect being closed at that date to stop gaining interest. First two payments were made XX/XX/XXXX. Payments have been made on time consecutively since XX/XX/XXXX the account does not reflect on time payments. It only shows that no activity have been made for the past two years. Was never notified by the company that payments were not received nor were there any alerts received on my credit report or through any of my credit monitoring services. The only activity from the company was litigation actions with no forewarnings on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: NCB Management Services 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: SYNCHRONY FINANCIAL
State: AL
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:
XX/XX/XXXX : SYNCB/SCORE REWARDS DC reported a New Bank/Credit Card to my XXXX Credit File. 

XX/XX/XXXX : XXXX  got a copy of my XXXX Credit Report. XXXX made a Retail Inquiry by checking XXXX Credit File. A " hard inquiry '' may be placed on Credit File and it stays on the report for 25 months. 

XX/XX/XXXX : Disputed unauthorized activity from SYNCB/SCORE REWARDS DC. 

XX/XX/XXXX : Placed a fraud alert on all 3 credit bureaus. 

XX/XX/XXXX : Froze XXXX credit account preventing any new accounts. 

XX/XX/XXXX : SYNCB/SCOREREWARDSDC reported a New Account to my XXXX credit file. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC has reported to XXXX that a card has been lost, stolen, or replaced. 

XX/XX/XXXX : SYNCBCARE CREDIT made an Inquiry by checking my XXXX Credit Report. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC Highest balance {$2200.00}

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 non-monetary relief
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, XXXX  XXXX, Experian late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

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