BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I filed bankruptcy Mariner Finance was notified along with their attorney. Even though I filed for chapter XXXX and have an automatic XXXX in place went a head got a judgement order. By law this is illegal. 

My second issue is I had a little bit of an issue while paying the loan and got a few months behind. I tried to work something out but they told me the only way to get caught up was to take out more loan. They stated no other solution was available. I didn't want to take out more loan but it was my only choice given by Mariner Finance. 

Mariner Finance is a payday type loan company and they are a predatory lender. No one should use them for a loam because they seek out people that are struggling in hopes to end up in court to take people for much more. They are criminal and break federal and local laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2021, send a money order to be applied to the account balance. XXXX XXXX received the money order but it was lost or something they could never apply. I made several calls to verify the status of it, they tell me that they have evidence that they received it and that they opened an investigation to resolve the situation. give me the credit during the investigation. then they send me a letter to let me know they didn't find the payment and recharge my card. I have done about 3 to 4 investigations, I send the evidence of the transfer, I call to follow up and he answers the same. they threw away the money order and want to make me responsible for the amount of {$240.00}.

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 2022-09-02
Company: EQUIFAX, INC.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Avadyne Health Holdings, Inc
State: CO
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:
I was never contacted by the original debtor nor the debt collector that I was allegedly delinquent on a bill. The collector never could validate my debt nor send a proof of debt or even an itemized statement of the original transaction. The only reason I even found out about this account was because it was on my credit while I was trying to purchase a house. H & R Accounts even admitted on the phone they dont have any proof of debt and theres nothing they can do to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Consumer Financial Protection Bureau : I obtained my XXXX, TransUnion and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the  ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, TransUnion or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2018-05-30
Company: CITIBANK, N.A.
State: AZ
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:
During XX/XX/XXXX, XXXX XXXX negotiated with Citibank - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2022-04-10
Company: EQUIFAX, INC.
State: IN
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:
Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  TransUnion required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-11-29
Company: EQUIFAX, INC.
State: LA
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:
On XXXX this company did a hard inquiry on my credit with out my approval can you plwaae delete this I have fraud alert on my credit haven't applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My newly re-financed loan was bought and is now handled by Shellpoint Mortgage Servicing. I received a monthly statement that included nearly XXXX the regular amount charged for escrow. When I called to inquire, I was told that the escrow analysis did not exist yet and that the representative did not have information available to answer my questions. I was told that I would soon receive the escrow statement in the mail. This morning - more than a week after my XXXX call - I called again with the same inquiry. XXXX, I was told that the person I spoke with originally had NOT placed a request for an escrow analysis, but that the representative would initiate a request. When I told the representative that I needed information immediately as my payment was due, she told me she could not help. I asked to speak with a supervisor and my call was forwarded to someone 's voicemail. I called back, had a similar conversation with a different representative, and my call was forwarded to another voicemail. 

There has been no increase in my taxes or insurance. While I understand that escrow shortfalls do happen from time-to-time, I am unaware of any legitimate reason why there should be a shortfall that amounts to almost an extra months ' payment. 

I have now researched Shellpoint Mortgage Servicing and see that it is a regular practice of the company to seek additional funds PRIOR TO providing homeowners with information as to why the increase is legal and warranted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, 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 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: Chime Financial Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking on XXXX to find my wife a XXXX. I found one for a really good deal and contacted the seller. The seller asked for my number as texting worked best for her. I asked questions about the product and she gave answers. Everything checked out and she was a very nice seemingly trustworthy women. She even created the shipping label and sent me the tracking info before I paid as I expressed that I was worried about it being a scam. I then trusted her enough to send the money via a Chime bank transfer. The seller and I stayed in contact for the next 2 days until she quit responding to me and disconnected the XXXX XXXX number she was using. She had told me that she drop the package off at XXXX on wednesday night but two days passed and the tracking still said they hadn't received the package. It is clear to me now that I have been scammed. I contacted chime to reverse the transfer but because it was bank to bank and it was instant, they could not help me. 

Dates : money transfer took place on Wednesday, XX/XX/XXXX. 
Shipping label was created on Wednesday, XX/XX/XXXX. 
Dispute was filed on Friday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get repeated calls for debts owed by someone with the last name of XXXX. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the XXXX 's number, I continually get calls for their debt collection!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a bill from XXXX XXXX XXXX company XXXX 2015, XXXX months after I terminated service in XXXX 2015. I wrote back multiple requests asking for a detailed summary of charges since at the time of termination I was told by the rep, I was owed a credit since I was billed a month in advance per their billing cycle. Surprised when I received a bill but no explanation of charges. Mailed multiple requests asking a detailed summary of charges. Never received anything. Next thing I know, I receive a letter from a collections agency on behalf of XXXX XXXX. I called them finally to try to get to the bottom of the situation. Was told they received my requests for a detailed summary of charges and had mailed one out but I never received it. I then asked what the charges were for and the collection agency said for close out fees. Please note I was not on any type of contract with XXXX XXXX but on a month to month basis. I also informed the rep over the 5 years I was a XXXX XXXX customer, I never was notified of any close out fees on a month to month service basis. The rep then put me on hold and transferred me to a manager. The manager was rude, cut me off multiple times and said they will be reporting me to the credit bureau. How is this fair and is this not against the law? A consumer is asked to pay a debt blindly with no explanation of charges whatsoever, no response to multiple requests of a summary of charges and then told the fees are for close out service fees that I was never made aware of? Is this illegal? How is a consumer to protect themselves and their credit against companies like this? What can be done here to protect me, the consumer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: IN
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:
Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help 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 2019-11-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This particular balance transfer was placed on XX/XX/XXXX from my HSBC account for {$4000.00} towards my XXXX XXXX credit card balance. This balance transfer has yet to be applied to my XXXX XXXX account balance according to my XXXX and XXXX statements, however the funds are represented on my HSBC statement since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On today 's date, XXXX XXXX, I was presented an offer online to apply for a credit card that they offered and included in the offer was the statement that they see if I pre-qualify for their card offer and it would not impact my credit score in any way. Which I found out immediately afterwards was a completely incorrect statement.

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 2022-04-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : 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 explanation