BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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   submitted a dispute to Transunion for various accounts.
  XXXX  r eceived response from Transunion.  XXXX  of the accounts I disputed for inaccurate reporting was     XXXX   XXXX     acct #    XXXX    in the amount of {$600.00}. please see exhibit   XXXX    where I challenged the reporting. This is the only   XXXX   XXXX    account on my report ( see exhibit  XXXX , transunion report dated   XXXX   ). Transunion responded that this account was deleted ( see exhibit   XXXX   ) however it still shows on the    XXXX    report ( see exhibt    XXXX    ).    XXXX    called Transunion and spoke to   XXXX   about this.   XXXX   gave me various reasons why it still showed.   XXXX   ) creditor did n't respond in time ( FCRA violation 611.a.1.a and 5.a.i )   XXXX   ) Another account with same name and account number were deleted ( FCRA violation 623.a.1.a ) and creditor added back on after deletion ( FCRA violation 611.5.b.iii ) I asked   XXXX   from Transunion to delete since there was a FCRA violation for each of his responses but he said all he could do was dispute it again. Since Transunion had the required time to dispute what I asked them to dispute they should not have another   XXXX   days. They did work on the account in question as they removed the reporting boxes that for the payments I questions for  XXXX ,   XXXX   ,   XXXX  , XXXX   Transunion has willfully not complied with my request and has violated federal law on this dispute.

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 2020-01-13
Company: Experian Information Solutions Inc.
State: GA
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:
My social security number was stolen from me to open accounts in my name fraudulently. The accounts that are opened in my name are XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX   that are inappropriately reporting to my credit file.

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 2022-01-28
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case XXXX with the balance {$910.00} and {$230.00}. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. .If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, Midwest Recovery Systems . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CORELOGIC INC
State: VA
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:
To Whom it XXXX Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not XXXX you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

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 2021-01-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 COMENITY BANK/VICTORIASSECRET sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Higher interest rates than any loan, paid {$1100.00} in interest for a {$300.00} loan. Took {$88.00} from my account every other week from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted this company numerous times to try and understand the debt. I have three different reports from the same company and seems to be the same debt with different amounts. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous and sick, I have been having medical issues and not being able to know and/o understand this debt is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Clark County Collection Service
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: Information belongs to someone else

Complaint:
I have tried to dispute this before with XXXX, but they apparently do n't want to hear the truth. Clark county collections is saying I owe them XXXX from an original XXXX XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In XX/XX/2018 I had fraudulent charges on one of my cards. The whole balance due was those charges and I knew that I wouldnt have pay them. They reported my late payment to the credit report companies. I have disputed this 6 times since then. They fixed it once then the item was placed back on my report. The credit bureaus keep saying that the info is correct

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 2018-04-05
Company: Bread Financial Holdings, Inc.
State: MD
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 's client XXXX XXXX is a victim of identity theft. Someone used her information to apply for an account with XXXX/PayPal without her consent. The account was established ( acct # XXXX ) and a formal dispute of this account was mailed to XXXX/PayPal XX/XX/2018, certified mail with return receipt. XXXX/PayPal received this dispute information however as of this date has failed to return a reply concerning the outcome of the investigation as outlined under the FCRA sec 605-611 which is a violation of my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: ECMC GROUP, INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The circumstance began when the Indiana Department of Revenue started reaching out to me to collect a debt from a previous employer of mine. The Indiana Department of Revenue contracted with a company called " Premiere Credit XXXX '' to use tactics to collect my old employers debt while I was working with the Indiana Department of Revenue to have me removed from this account. The Indiana department of revenue removed me as a liable party in XXXX 2015 and Premiere Credit continued to collect the debts after this period until they closed the account in XXXX 2015. During this period of time Premiere Credit notified me that they were trying to collect a personal tax debt that I did owe. Premiere sent a garnishment to my employers payroll company. Premiere did not communicate to me that there was this additional debt other than the debt that I had been released from. As soon as I verified this debt to be true it was paid within 2 days of that verification. Premiere had told me that they sent a release to my employer immediately after I paid the balance. Premiere did not communicate the release of the garnishment to my employer for a week after they had told me that they had sent it to my employer. I had to call more than 4 times to premiere and my employer each to verify that the garnishment release had been received. The representatives from premiere were not helpful and disrespectful when I asked for the release to be sent and they would not provide me a fax confirmation that they had sent the release.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Amerihome Mortgage Co. I had an Forbearance agreement that started XXXX, XXXX, ended XX/XX/2020. I was told by mortgage representative that all late charges and reporting will be extinguished! My loan was NOT delinquent!! So, there should not have been any credit reporting made! My payments are due on XXXX of the month and after XXXX late charges will apply, that's on my payment statements. In XX/XX/2020, I was told by another bank that Amerihome mortgage reported me during the forbearance period for Late payments in XXXX and XX/XX/2020! I immediately called mortgage company and was told by a representative that they was sorry and will work to have it removed but will take 2 weeks? In XX/XX/2020, My credit score went from Excellent! to Fair? because of this reporting during hardship. I called mortgage company back in XXXX, No note was made on my account regarding the reporting retraction as promised? No one new anything about this problem! Now, Amerihome mortgage has made it difficult for me to make payments online!! This company dose NOT put the customer at the forefront? This is NOT an honest company! They use loans at the customers despair! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Du3 to COVID in XXXX I make a payment on my car Chrysler to avoid repo or charge off..agent told me that they will apply extension but I need to make 1 full payment and I did when I receive my unemployment check but either way Santander consumer usa charge off my account and they sold my account to this other company and they called with a bad behavior asking for an amount of money that at thia time don't have and they not able to assist customers due to COVID..they keep threatening with Repo and ths keeps me very stress every day aa need veg to attend the Dr but they don't want to help with options..very stressful in the middle of this pandemic they hurt my credit and they don't want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
Fraudulent Checks and fraudulent withdrawals were deposited and removed from my college students Chase account. The crime was committed by use of of a credit/debit card and the criminal also knew the pin #. The several checks were deposited, which was over {$3000.00}, ALL written by a " XXXX XXXX '' to someone name XXXX XXXX via a Chase ATM machine. Then the criminal went on a spending spree! The bank alerted us about the transactions via text message which we responded to ASAP. The bank was called and I thought it was all taken care of, the college account was closed, END OF STORY! Well several weeks later Chase Bank withdrew {$3000.00} from my ( the parent ) savings account. I reached out to Chase bank again reported the problem. I explained to them that it was ALL fraud! And if they could look at previous transactions with the account they would see that it was not the norm. I also asked if Chase Bank could just look at the camera where the checks were deposited & they could then see that it was not my college student. But Chase refused to investigate the identity theft/fraudulent deposits or withdrawals. Chase bank told me that since I looked at my Chase Mobile account while the transactions was taking place, that I did not act quick enough to inform them of the crime. However the bank was called right away, I have a letter from my college students school and the attendance roster, stating my college student was in class at the time of the crime, and the crime took place 3 hours and 45 min away from the college. A police report has been made and we have requested a warrant be placed so that we can get assess to the video from the bank. I have record of when the bank reached out to my college student, and I have requested copies of my phone records to prove a call was made to Chase bank as soon as we became aware of the incident. Not only did Chase withdraw the {$3000.00} from my saving account they also charged me the transactions/overdraft fees and kept the remaining money in the college account. So actually this complaint is about a college checking account, and a saving account that was has unauthorized/disputed FRAUDULENT transactions. The fraud was from a college account, the {$3000.00} was removed from a saving account. Primary Account information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt has already damaged my credit report and public record. I deny owing XXXX {$910.00}. The original credit limit was approximately $ XXXX {$300.00}. 

The reason for non-paymen was I lost my job and could not collect unemployment benefits which I did file for, but were denied. I am now on fixed benefits with no other income. With the raging pandemic and struggling to make ends meet, I just can not afford any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company was to provide a statement of debt owed and fees, and never did. Additionally they charged me well above the amount owed stating legal fees. I paid the full balance plus their fees, and after trying to have the credit reporting bureaus remove this from my report as a paid debt, the debt collection agency is still telling them the balance is unpaid despite having sent me a letter of payment and also having the payment clear my account. Im not sure the tactic here other than one person mentioned that I could still dispute with my credit card company to reverse the charges so they will not show it paid until I can no longer dispute it, even though they already have my money. This is preventing me from getting my score back to where it should be while we are tying to buy a house, and theyre holding it ransom for some reason still even though I paid them more than I owed for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other 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 non-monetary relief
Consumer complaint received 2020-11-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I ordered a desk for work and a chair with matching dresser from XXXX XXXX. Order Number : XXXX. See attached original order. I have yet to received these items as they have changed to date available over 10 times and only after I have reached out are they updating me on this. But my main issue is I am being charged, WITH interest, on their credit card for these items yet to be received. See attached credit statement.

Company response to consumer: Closed with explanation