BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. My social security number and bank account information have been compromised.My daughter and son are having the same problem, and we are trying to resolve this. My daughter 's hard drive that included all of my family 's personal information was stolen. On XX/XX/2019, I found out that the thief has been using my social security to open up new credit card accounts and tried to withdraw money from my checking account through ACH by using my account number and routing number. The thief also changed the account information on Transunion such as current address, email, phone number so that I can't have an access to my own credit report and place a credit freeze. Also, since XX/XX/2019, the thief has applied to 7 companies to open the account, and two credit card accounts have been open under my name without my authorization. I filed the police report and reported to Federal Trade Commission. I have already contacted two companies that are associated with 2 new credit cards, and I have asked them to remove the accounts on my credit report. On XX/XX/2019, I contacted Transunion customer service center to dispute the items on my credit report. However, the customer representative won't help me with me and take care of hard inquiries that are completely fraudulent. Since XX/XX/2019, there has been 7 inquiries and 2 open accounts that I don't recognize. I really care about my credit, and I am very upset that they are not trying to help me resolve this mess that the thief has put me into. Also, the representative I talked to was very disrespectful, rude and impatient. They need to fix this issue.

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 2019-12-13
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: Account status incorrect

Complaint:
credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2016-06-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 I called my loan servicer ( SLS ) to advise them that I would be sending a {$5000.00} payment to be applied towards principal as my regular payment of {$2300.00} would be paid via ACH from my checking account on XXXX/XXXX/2016. I sent the principal payment on XXXX/XXXX/2016 via XXXX XXXX XXXX, which was received by SLS on XXXX/XXXX/2016. I logged in to their website on XXXX/XXXX/2016 and noticed that the {$5000.00} was not applied to principal but rather posted towards future interest payments. I called on XXXX/XXXX/2016 to have this fixed. I was told it would take one day to fix. On XXXX/XXXX/2016 I noticed that this was still not fixed and I called again. I spoke to an agent and asked to speak to Executive complaints. I was transferred to XXXX. He reviewed all the information and claimed that this would be fixed by Monday XXXX/XXXX/16. I checked again this morning, and this still has not been fixed. I called again and was immediately transferred to XXXX in Executive services and he informs me that this would be fixed by XXXX/XXXX/2016. I mentioned to XXXX that this is fraudulent for SLS to post my {$5000.00} to future interest as I called prior to sending the funds an advised them to post this as a principal paydown. I also feel this is fraudulent as any responsible bank would apply these funds to the regular payment and the excess to principal which SLS also did not do. Upon researching SLS, they seem to have an extensive history of misapplying funds and also not having adequate follow-up on issues. I wish for CFPB to investigate this matter and to also look into SLS accounting methods as they are not in the consumer 's best interest. I work XXXX and as such I am very familiar with lending and resolution practices. It is clear to me that SLS is not a mortgage servicer that is compliant with running an ethical business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I set up auto-pay option on my account with the help of an account representative. I was allowed to select a payment date of the XXXX date of each month and was assured that was within the grace period. 3 months later, I noticed that I 've been charged late fees for each of the last 3 months. I have received XXXX notifications, either through the secure message part of the website or via e-mail.

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 2019-05-11
Company: TMX Finance LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Instaloans also XXXX XXXX XXXX never stayed in Georgia I was in XXXX and for many years I have been a victim of identity theft please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This started about XX/XX/2020when I was tried to purchase a car. A salesman pull my credit report and score to sale me a vehicle. I was denied. I went on line to retrieve my report. I got 2 reports Equifax stated " NO SCORE '' I called them to ask them to remove the freeze, If there was one there. The representative said that she did not see one. She said " she will mail me a copy of my report and score for free ''. I received the report and score about 10 days later. XX/XX/2020,. I tried to get a loan and was denied again. I repeated the same process and was told the same " no freeze '' The representative asked me to go directly to www.equifax and I will have a 30 day free trial. Stated that anyone who I give permission will be able to see my report. I printed a copy of my report and score. aboutXX/XX/2020 I applied for a loan and was denied again after Equifax representative told me that I would have a 30 day free trial and that Anyone will be able to retrieve my report and score. I tried to pull my report just to check and report still said, " NO SCORE '', I continued to check and at the same time talking to Equifax representative to find out what was going on she was telling me that she saw no problem on her end. Stated that they had a problem about 2 years ago with a scam. She also tried to tell me that no one has been reporting about my credit. I stated that, that could not be true because I had been applying for loans every since XXXX. On the reports that I received by mail and printed. It had all updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: IMC Capital, LLC
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an unsolicited offer of credit with a pre-made credit card with my personal name and company name on it, requiring only a phone call to activate. My concern is that this card offer could be intercepted and activated by anyone, who could fraudulently and easily obtain {$150000.00} credit in my name. I assume this same offer has probably made to many others. Issuing company : IMCA Capital

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Central Credit Services LLC contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Global Trust Management LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
CLOBAL ONE ISCALLING MY CO-WORKERS AS WELL LEAVING NOTES TO THEM HARRASSING ME AM TRYING NOT EXPLODE ON THEM ON MY JOB. USING DIFFERENT NUMBERS EVEN GOING TO MY MOTHER 'S HOUSE WHEN I THEM TOLD THEM I DO N'T STAY THERE. THEY BEEN CALLING ME FROM XXXX,XXXX,XXXX XXXX AND XXXX. THE XXXX NUMBER SHOULD BE THEY MAIN NUMBER. I WISH I COULD SUE THEM FOR HARRASSING ME ON MY JOB CALLING ME XXXX TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Dynamic Recovery Solutions, LLC
State: TX
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 received a call claiming they were a debt collector and I owed a debt of some kind. They never provided a name, specifically who sent them, or what it was for ( they left a voicemail ). I called back and they asked for somebody completely different than myself and somebody who I do not know. Also, a XXXX search of the number pulls up that they are a " spam robo call ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is 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 ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 2019-12-19
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XX/XX/2019 and was considered to be late. However, my payment confirmation and transaction history from Chrysler Capital shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from Chrysler capital on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Rise Credit has sent me special offers in the mail, so I decided to apply for the loan. When I applied I got the response and they said they denied it because of fraudulent activity in the application. I decided to check the phone numbers out and the address out and it does n't match up. The phone number associated with Rise is registered to a female in XXXX, Fl. The address and the number I was given to call is listed in XXXX, SC. After searching there is no address listed in XXXX, SC for XXXX XXXX XXXX XXXX, XXXX. The fax number is a fax number listed to an address in XXXX XXXX, Tx. If you will notice closely the fax number is the same area code for the number listed in South Carolina. And the fax number for Texas the last digit is just XXXX numbers of the actual number in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-10-26
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am writing about the company Rise Credit. I recently changed my bank account but emailed them all my information so they can process my payment through there. My balance is {$4000.00}. 1 payment got returned because they took it out from the old account. They charged me for it and i saw that my balance is {$4300.00}. I emailed them my new account to process my payments there which they replied back to confirm they 've received it. But they said it was return again today XX/XX/2016. Now i saw that my balance is {$4600.00} My initial balance was {$2600.00} but they re-financed me knowing I still have an ongoing loan on them which California law say they they can not offer additional loan if there is still existing one but my mistake is that I took it. I already paid almost {$4000.00} for my initial loan of {$2600.00}. But nothing went to the principal balance. California law say that return check should be charge for {$15.00} only but they charged me for {$670.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
Applied for XXXX Chase XXXX XXXX XXXX Credit Card. Printed out terms and conditions, which clearly state that {$95.00} annual fee is waived first year. When first checking balance, discovered that {$95.00} fee was imposed anyway. Chase customer service supervisor refused to honor terms and waive fee, despite my written proof of this term.

Company response to consumer: Closed with explanation