BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and TransUnion on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on TransUnion. On my TransUnion report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called TransUnion and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my TransUnion report, I noticed that they had an alias that was associated with my name. I have never had an alias.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I had report that I had a complaint with TransUnion and they submitted back to you that the item was not my credit report however they have changed the number the item number is XXXX a state tax lien that the information is incorrect and the State XXXX Oklahoma and The XXXX XXXX Clerk said it could not be validated and should be removed from my report. I now question their reporting of the bankruptcy that shows up on my report as the XXXX Bankruptcy XXXX said there are multiple errors and they didnt not report he information to the agency. This too should be removed.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/XXXX, All three major credit bureaus ( XXXX, XXXX, and Transunion ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank 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 explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Simon's Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I communicated certified Mail and online numerous times and this company has never shown any proof of the debt and also responds to XXXX  saying that the debt is verified but it NEVER has been, this company should be investigated as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
BalanceXXXX XXXX
Date Updated: XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX (Medical/Health Care)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Placed for CollectionXXXX XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: XXXX Date UpdatedXXXX XXXX Original AmountXXXX XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: 	XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	MEDICAL-EMCARE GLT EMERGENCY PHYSICIAN (Medical/Health Care)
Past Due: >XXXX< 	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX
Date Updated: 	XX/XX/2017
Original Amount: XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 
COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: AES/PHEAA
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: Account information incorrect

Complaint:
On XXXX XXXX Loan forgiveness. Interest is reported as balance increase butchering my score EVERY month! Ive called every year and told it would be resolved and it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX  ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BHA Services
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I returned a voicemail and spoke with a representative who wouldn't give straight answers to clarify their remarks and comments. 

Repeatedly throughout the call the representative made comments about the debit they were collecting on as " statute of limitations expiring today, '' " file leaving the floor, '' but also " pay the debt today. '' Which further confused me, how is a debt due for collection if statute of limitations are expiring? I'd also disclosed that I'd previously had to dispute a debt with a company several years ago because there were not one but two store credit accounts open in my name, one was valid and I maintained it until paid, but the other was not?

Instead, the collector continued to repeat the same few phrases about the file leaving collections ( which is strange because then why are you calling ), statue of limitations ending and this being out of his hands, but when I asked for the collector to send information they then took offense and claimed they were confused. 

I do think the representative was trying to deceive me by speaking quickly and using legal jargon to intimidate me into agreeing to pay a debt that I've disputed. It's unfair that these people call and use these tactics without furnishing hard copy details. What I received was a demand letter for payment to them, a company I've never worked with, not information regarding a legal agreement or contract or statements of the account in question. It just doesn't make sense. 

In a world where credit is better than cash, personal data is assessed currency value, and data breaches means consumers are left easily accessible for fraud, this entire contact is untrustworthy. In this world, I could easily send a thousand people letters implying I was representing a company they owed and demanded payment or they would face legal action, someone would eventually send me payment out of fear with no question of validation. 

That's not right and it's not fair, I'm tired of individuals being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a HAMP Loan Modification during XX/XX/XXXX and submitted tons of documents in the last 2 1/2 years or so. Whatever documents they have been asking me ( some of them again and again ), I have been submitting promptly. The only document they needed as of XX/XX/XXXX was my Job letter, which I promptly submitted through my 3rd party. I am attaching a copy of their letter dated XX/XX/XXXX as well as my 3rd party letter dated XX/XX/XXXX, submitting my Job Letter. In fact I have submitted my Job Letter several times in the past too. 
As such I do not understand as to how they are saying that they do not have RMA or any of my Modification docs. by XX/XX/XXXX and hence they are giving me an in-house Loan Modification with a higher payment of {$1100.00}, as against my original payment, which is lesser.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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 2021-07-07
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX keeps calling my number trying to locate someone that owes them money I 've already explained to them they 're calling the wrong number but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$1000.00} XXXX {$1400.00} XXXX {$440.00} XXXX {$13000.00}

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 2017-08-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For several months I stopped receiving statements from my Wells Fargo credit card. Then in XXXX, I received a statement that was forwarded from another address in Texas. On the statement were two charges on XXXX XXXX in the amount of XXXX and XXXX from a XXXX XXXX in XXXX XXXX. I have not been to XXXX XXXX in several years. I called Wells Fargo on XXXX XXXX who put me through a rigors process of proving my identity and canceling the account. They reissued a new card, but I refused to activate unless these charges were reversed. After receiving other statements still showing a overdrawn balance with fees, and being notified that my credit score dropped to the lower 600s, I contacted Wells Fargo again on XXXX. I was told that the fraud complaint was closed and no fraudulent charges were ever identified. The representative said he would try to reopen the investigation but could not promise anything. After all of the news about the corruption within Well Fargo, I  want to see if filing a complaint with CFPB would be of any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX. I applied for a mortgage refinance recently and was sent a copy of my credit report and noticed that my credit score had gone down and that there was one negative fraudulent report for a Chase Credit card that said the account was closed and there was a charge off because of no payment with 2 amounts of Balance {$280.00} and Past Due of {$230.00}. I have never had a Chase credit card and any charges associated with this account are not mine. 

I called over a month ago and inquired about the account and they said they would send me a copy of all transactions associated with the account. When I was on the phone they had an address XXXX XXXX XXXX XXXX / XXXX, TX which I have n't lived at since XXXX. Date the account was opened XXXX/XXXX/XXXX and date Chase reported to credit reporting agencies was XXXX/XXXX/XXXX. As of today I still have n't received anything in the mail and I gave them my current address of XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX, Utah XXXX. I tried to get connected to a supervisor or manager which I was denied. I called again today and requested information again. The card number with the fraudulent charges is XXXX. XXXX XXXX / XXXX. XXXX XXXX / XXXX, DE. XXXX / XXXX. 

Any help would be greatly appreciated and I would just like talk to a manager or supervisor with Chase to get this resolved. My phone number is XXXX or email is XXXXXXXXXXXX Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2016-04-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX, I was in need of a loan to move and the television and radio were inandated with advertisements from " 1-800- Loan-Mart XXXX '' I called and they offered me a " title loan '' for {$10000.00} specific to my XXXX Toyota Camry. The payment was and remains a staggering {$850.00} per month. Also, my ex-husband bounced a check to me in XXXX XXXX, which prevented making a payment so I called for an extension to which they repossessed my car, for the payment and charged me almost {$2500.00} to get the car back. The car was in the possession of an auctioneer only XXXX, which is where I retrieved the car from. I have been paying the {$850.00} monthly for over two years and the principle balance or payoff remains just a XXXX less than the original loan. What guidelines regulate the loan industry and why are they permitted to be rude, abusive and lend money like XXXX loan sharks?

Company response to consumer: Closed with explanation