BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted TransUnion Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to TransUnion, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : 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

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 2022-04-16
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:
The account XXXX credit card and the student loan account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.

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 2021-09-30
Company: EQUIFAX, INC.
State: NY
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 so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
During the months of XXXX and XX/XX/2021, I requested Experian to investigate a collection account XXXX XXXX XXXX XXXX XXXX  which recently appeared on my credit report. In my letter of XX/XX/2021, I explained that I was exercising my rights under FCRA ( Section 609 ( to request information about this account including any contracts bearing my signature. I asked them to remove the account, as required by law, if they were unable to validate it. 

In both disputes, Experian did not provide me with any information ( sources ) that they used to confirm the validity of the account. Experian did not properly investigate my dispute. They did not provide me with the source of their information, nothing to help me research this account with XXXX XXXX XXXX. 

On XX/XX/2021, Experian notified me through their website that the company XXXX XXXX XXXX XXXX ) reported that the information was accurate. How can the entity that is tasked with investigating disputes ignore my rights as a consumer, my requests for their source of information and instead dismiss the dispute because the furnisher stated it was valid? 

Experian has not provided me with any information that verifies the account. The account they are reporting is unknown.

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 2018-05-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I continue to dispute and this is my second complaint regarding Equifax, XXXX and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or customer service representative. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: JPMORGAN CHASE & CO.
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:
I filed a claim with the Bank for {$2500.00} for a payment to court ( bail fee for a family member ) The total amount that was charged by court was {$2600.00} I authorized the transaction but court was supposed to refund {$2500.00} ( total bail payment minus transaction fee ) upon court appearance but they failed to do that, so I called Chase to file a claim for the {$2500.00}. 
Chase made a mistake on the amount I was disputing and requested the total amount {$2600.00} instead of {$2500.00} and they failed to resolved the claim sending me supporting docs showing I authorized the charge which I never deny. I called Chase to file a claim not for an amount I didnt authorize but for an amount that I authorized and then was supposed to be later refunded to me. I called to get the dispute reopen and they told me to do it at a branch. Then I go to the branch to do it and they told me I just need to type up a letter explaining why I want the dispute to be reopened which I could have done from my house instead of going to the branch. The branch was supposed to fax the letter to Chase claim depart but unable to reproduce a fax receipt ( what a joke ) After visiting the branch, trip I could have saved, I called Chase claim depart to ask if they have received the fax from the branch and still were not able to answer, they said it takes 3-4 days for them to see the faxes as it goes first to another team which have to upload docs ( one again very inefficient ). I asked to speak with a manager who was not very nice either. 

Now they put a remark on my credit report which is affecting my score that states " consumer disputes after resolution ' what the heck resolution is that? I find the Chase claim depart very inefficient and I am demanding the remark to be deleted as I am just trying to get the dispute reopened because Chase made a mistake and came up to a wrong conclusion/ resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: NY
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:
In XXXX of 2020 I booked a trip with friends for a trip in XXXX My XX/XX/2020 bill on my Citi Thank you card will show the amount of my share of the trip for {$1400.00} which I paid in XXXX. In XXXX due to covid 19 the trip was cancelled and XXXX sent an email stating that I should request my money back directly from the credit card company. I filed a dispute and was initially refunded the money from citi bank. Over the course of the next few months they requested information from me which I provided. In XXXX they charged back the money ( from a trip I never took ) and stated the reason as being that I never signed a form ( that I had not even known I received ). On top of not knowing the form existed and needed to be signed, I was ill during that period from when I supposedly received the form for a period of 8 weeks. Weeks later when I was finally back on my feet I found out that they would not accept my dispute and closed the case. 

CitiBank has been completely horrible and not cooperative during this whole process.

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 2021-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the first week of XXXX, I spoke with my lender ( XXXX XXXX XXXX which is the mortgages arm of the USAA ), asking for a forbearance on my VA loan. They said okay, and gave me 3 options of repayment after the forbearance ( which would last 3 months ). The first option was to pay a lump sum, the 2nd option was to get a loan modification, and the third option was to push back the forbeared months to the end of the loan term. I told them I wanted the third option no matter what and they told me I could do it at the end of the third month and that they would let me know in the third month.

The third month has passed and I went to check the website to pay the next month mortgage payment and noticed that my mortgage had been adjusted. Today, ( XX/XX/XXXX ), I called the my lender and asked why this had happened and they told me it was a loan modification that I had not consented to. I told them this is not what I wanted, in the very beginning I said I wanted the third option and they told me that this loan modification was all I had been offered. I asked them to give me the third option and they denied me that option. The reason they gave was because the VA doesn't give that option so I didn't qualify for that option. I asked them if they asked the VA or had proof or documentation that I did not qualify and they could not answer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Strategic Alliances, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call at work from a XXXX XXXX saying that she was a paralegal and that said that she just had a proposal for garnishment of wages dropped on her desk and legal action needing to be taken for an old medical debt from XXXX of 2015. She said that she wanted to give me a chance to settle the debt of {$1600.00} that was originally the remainder owed that was already settled and paid. She said that they could settle for {$1000.00} if by the end of the day without further legal action or by morning a lawsuit would happen. I was distraught and in tears the way that I was treated so much that my boss took over the phone conversation and offered to pay it. I immediately talked to my husband that confirmed the bill was settled in XXXX of 2015 and had a confirmation letter stating that is was settled in full. Company lies on the phone and when you fax them the cease and desist letter and prove the debt was settled years ago, you keep getting phone calls and threats to take your driver 's license and take you to court at home, to other family members and your workplace. They say illegal phrases and tell other persons private information in your family phone group. No proof of what is owed or what they say and is over 4 years ago! They have XXXX phone numbers that they mainly use XXXX and XXXX. Here is a copy of a message transcribed from answering service to text. This is what our daughter received on her phone and it is identical to the one received on the house phone : " XXXX Depositing new message. Hello this message is solely intended for XXXX. ______, I'm calling in regards to a request of a petition to be filed against you in regards to your involvement in investigation of theft and services. Either you or your attorney must contact your filing party today at XXXX XXXX at XXXX. Failure to comply will result in the issuance of a guilty plea on your behalf as well as the suspension of your state drivers license. You have been notified. Good dat and good well ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AZ
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:
Upon checking my credit report to purchase a home, I realized there were accounts, inquiries, and an address that were damages on my report. This is defamation of my character. I reached out to the credit bureaus multiple times and the errors were not fixed. I reached out to the creditors multiple times through mail and NEVER received a response. According to 15 U.S.C. 1681 law my rights have been violated. I NEVER gave written consent to report anything on my consumer report which violates my right as a federal protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked the company to provide me with a wet signature or original contract, and a chain of sale from original creditor validating that I owe the debt in question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: HANCOCK WHITNEY BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Several weeks after closing on our mortgage Hancock Whitney made contact with me regarding a lack of both information and a signature involved in the closing. 

Apparently my Social Security Income was not included.

Several demands were made including a " threat '' from XXXX XXXX ( Client Solutions Leader '' that I could be " forced '' to sign as that was part of the standard closing agreements to agree to correct and missing information. 

Demands included that I should drive a 2 hour round trip from my home to sign, it " had to be signed by " X '' date '' etc., although that deadline date had come and gone when the matter was settled. 

During that time I received the attached letter form XXXX XXXX asking me to sign one page out of the entire agreement that was Section 6 : Acknowledgements and Agreements had absolutely nothing to do with correcting my income. 

It appeared that Hancock was going to make a change on what was already a signed Income Disclosure and then use the attached page as a way to provide my agreement.

I refused to sign it and instead contacted the attorney 's office that did the closing seeking advice. I was instructed not to sign an arbitrary page and they would look into it.

They then presented the option, what I believe to be the legal and proper way to handle the situation and that was to come into their office and to initial and date the original closing documents and to then provide the missing signature ( s ).

Hancock made the entire pre-closing demands absolutely absurd and then to attempt to pull this " switch '' off is very disconcerting. I am a well educated individual with several closings under my belt and have never seen a bank act in the manner that Hancock did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Citi bank is reporting fraudulent information to the credit bureau in the name of my business XXXX XXXX XXXX. I have an account with them never received the card as I was a victim of identity theft. I sent a police report by fax to them XX/XX/XXXX between XXXX. I never received a response by mail, phone or email. I called to find out that they deemed the account as not fraudulent. However they filed to do a physical as well as digital investigation. They didnt check or receive camera footage from the home depot locations that were visited fraudulently. Nor did they receive any signatures ink or electronic for professional handwriting analysis. They are solely going off stolen information/ ip addresses that can be duplicated by devices sold on XXXX XXXX My credit has suffered tremendously and its hindered my small business from being successful as it should. Which is causing me stress. I requested the evidence by mail phone or email of how theyve come to this conclusion. This has been an ongoing matter for months

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 2021-03-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This credit card balance started in XX/XX/XXXX when I went to a XXXX  service. I was in pain when they offered a care credit plan to pay for the future services that I was about to receive. Under that circumstances, I agreed to it. The XXXX  was not able to find the reason for my continued XXXX pain so I decided to stop going there. On the other hand, I sent my 1st payment of {$50.00} to care credit to honor what I signed for. Then I asked the XXXX XXXX place to canceled all planned services and they agreed. Also, Care Credit refunded my first {$50.00} payment sent, and apparently, my account got closed ... That's what I thought ... I also received a statement with XXXX  balance. After a while, I started to receive statements again. I called care credit and they told me that sorry but your claim was resolved and you still owe that money. I made several attempts after that disputing the charges, again, and again, and again ( all cust ser, collection serv, and managers were recommending me to file a new dispute ). After having so many attempts to resolve the charges, I called my XXXX XXXX to see my options and they told me to go back to the same XXXX and get my XXXX XXXX  since they already paid for it and I have the debt on the care credit. So, I called care credit and I decided to settle the account since I saw that they were not able to do anything for me ... The very next day I returned to the XXXX  ( they gave me an appointment right away for my XXXX  and I paid out of pocket my deductible ) they also showed me that they refunded {$160.00} and {$550.00} to the care credit card!!! Those credits were never applied to my account!!! I had all those years disputing a charge that was already refunded in XX/XX/XXXX!!! I can say that in XX/XX/XXXX there was only one manager that found those credits under but under a different account number and she promises me that it will get resolved ... Two days ago I reviewed my credit report and it still shows the care credit with a debt of {$1300.00}. I have been calling care credit like 7 times a day, and in the end, all people from customer service are hanging up on me ... they all said that they can not go back to XXXX to see the credits and they can not transfer me to a supervisor ... one said that a supervisor will call me but nothing yet. This is affecting my credit report big time now that under this circumstance I need to refinance my house ... 
I would like to add that my XXXX XXXX place acted in good faith and refunded the money in a timely manner. It is the care credit card that is failing its duty to me as a customer.

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 monetary relief
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief