BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/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 2022-11-27
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX I submitted my normal monthly payment online of {$410.00}. On XXXX I received a text informing me that my payment was past due. I got on their website and looked at my account and it showed that the payment was reversed on XXXX. I spoke with a representative via phone XXXX to find out what happened and was told their records showed that I had requested the payment reversal. I informed him that was not the case as my payment would have gone through my bank long before the XXXX. He then went on to say that the funds must not have been there. I assured him that they were and that I would not have scheduled the payment if they weren't. I resubmitted the payment of {$410.00} on XXXX. On XXXX I called my bank to see if they were showing a request for funds to be withdrawn because I wasn't seeing on my banking app that the payment had come out of my account yet. They had no request for funds so called the loan company again and was told to call again in a few days if payment still hadn't been withdrawn from my account. Made phone calls to them on XXXX and XXXX because payment still had not been withdrawn. On XXXX I received another text saying my payment was past due. Went to their website and it showed that the payment that I made on XXXX had been reversed so called them on XXXX and was told the payment had been deleted for some reason and she was unaware as to why. Resubmitted the payment on XXXX and they reversed it on XXXX. Resubmitted payment on XXXX and made my XXXX payment on XXXX which is my normal due date and my XXXX payment was reversed again on XXXX. My XXXX payment was reversed on XXXX. Have since tried to remake both my XXXX and XXXX payments. Both have been reversed and an Insufficient funds fee has been added on which I called and complained about on XXXX and was told by them that the account they tried to withdraw the money from, on a payment I tried to submit to them on XXXX, had been closed. It is the same bank account they have been receiving payments from since the loan originated. My bank has told me they haven't received a request for any of these payments from the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
JP Morgan Chase has blocked online access to my credit card accounts until I agree to their revised Online Electronic Disclosure and Consent Disclosures and Agreement. This means that I can not monitor account activity, view statements, pay bills, or redeem rewards until I read the 125 page document. There is no grace period with continued access nor any option to reject the terms, only to agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-09-19
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:
I submitted a dispute to all 3 Bureus and only experian was able to remove some incorrect and negative items from my account. How is it that if all bureus go to the same source and one was able to remove wrong information and not the other. Another thing is all bureus are showing information that does not match and are totally incorrect. Violating my rights to 15 U.S. Code 1681 ( 1 ) and 15 U.S. Code 1666b, as well as Violation of 15 USC 1681b ( 2 ) Permissable Purpose. They concluded their investigation stating items verified but did not provide a verification method on how supposedly the alleged verification was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Southwest Stage Funding
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We worked for months with cascade to get to closing. They used a bpo and undervalued the land i owned outright and then right before closing, they said we didn't qualify and declined the application. The second business day after declining us we were informed they had " changes to their tiers '' and we could move forward. Then we learned the day we got our closing disclosures that our rate went up a whole point and changed our monthly payments. We had a contract with the dealer and the home we ordered was ready so we felt we had no other option. I gifted my husband a specific dollar amount in property I just inherited 's equity for the down on the home. It was supposed to be the amount I gifted him that was used but they are trying to foreclose the whole thing. They have somehow eliminated my parents in the chain of title and the property description is not accurate and doesn't match my original deed. The county records for tax payments on the other home on the property show that cascade paid the taxes. They didn't and I have proof of my step dad paying it because that house is still in his name. We were unable to make payments due to loss of my job during the corona virus. We tried talking to them and filled out a loss mit application immediately after missing the first payment which they confirmed they received and would be in contact within 30 days. We have heard nothing about the app since then. I just received a letter dated XX/XX/XXXX to inform us that the property will be foreclosed and sold XX/XX/XXXX. The letter was mailed XX/XX/XXXX according to the envelopes. So they waited until the last minute so we couldn't do anything to stop it. There are multiple issues that are suspicious to us and we need some help before I lose the land where I grew up even tho it isn't even all mine to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-06-24
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX  XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; 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 XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021

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 2022-06-24
Company: REGIONS FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a credit card via 2 day XXXX XXXX looks totally bogus. Never applied for any credit card. Received on XX/XX/22. Did not call number on back as I believe this is some type of scam. It shows XXXX logo but does not say XXXX. Customer service number on back of XXXX. There was no terms or explanation with the card just a card in an envelope sent in a XXXX envelope.

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 2022-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 was told that my credit would not be run until I made the decision of what type of vehicle I was gon na purchase and the amount would be discussed, they ran my credit with out my consent even after I told them I was not going to move forwardI did not sign anything or was given any type of form to fill out neither did I give them any type of identification or social

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 2022-11-27
Company: ERC
State: CA
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:
MY MAIL BOX WAS BROKE INTO XXXX XXXX MY IDENTITY WAS STOLEN I DID A POLICE REPORT. MY CHECK WAS STOLEN AND CREDIT CARD RECENTLY SOMEONE HAS GOT FULL EDUCATION IN MY NAME ALSO XXXX  XXXX  AND A CAR I HAVE BEEN FIGHTING TO REMOVE ITEMS FOR THE 2 YEARS NOW. ENHANCED RECOVERY COMPANY FOR THE AMOUNT OF XXXX OPEN XXXX  XXXX XXXX FOR XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX FRAUDENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting duplicate student loan account to the credit reporting agencies.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-21
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made payments on my loads during the COVID pause prior to them being transferred from XXXX to Mohela. I contacted Mohela to request a refund and this was processed and sent over to the treasury department on XX/XX/. It has been over the 90 business days that it typically takes to process these requests and I still have not received a refund and no way to track the status now that it has been sent to the DoT. My loans have since been forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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 an account without my written instructions. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
It still on my credit report I been trying to get removed it been hard to start over because of identity Was stolen been try to file my taxes and get a new place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: World Acceptance Corporation
State: MO
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:
XXXX removed the following account XXXX XXXX XXXX as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has XXXX XXXX XXXX XXXX aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

World Finance is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have violated my rights. 
15 U.S.C 1681 Section 604 A Section 2. It also states 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 2022-11-28
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I filed a chargeback dispute with my bank XXXX XXXX, for around {$3000.00}, for debit card transactions to XXXX XXXX fraudulently tricked me into believing it was a secure service to secure my assets. Under XX/XX/XXXX changes to Reg E that are documented on CFPB 's website here : https : //www.consumerfinance.govXXXX XXXX XXXX 

" A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3. '' " Regulation E sets forth the conditions in which consumers may be held liable for unauthorized transfers, and its commentary expressly states that negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. 12 CFR 1005.6 '' " Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. 

I contacted the bank on XX/XX/XXXX, and they tried to use a loophole to decline my dispute ( that loophole was closed by the XX/XX/XXXX updates to Reg E ). I am currently pursuing all avenues to hold them accountable. The debit card dispute is from a card offering by BNY Mellon, and they are violating Reg E

Company response to consumer: Closed with explanation