BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.

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 2019-04-27
Company: EQUIFAX, INC.
State: NJ
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 requested the credit bureau to investigate. I havent received any information on these accounts. They're inaccurate and need removed. I do not have obligation to the accounts and are serious error in reporting and further hinder my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Webcollex, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX called me from number XXXX XXXX XXXX Virginia. The caller informed me that her name was XXXX and she was from XXXX XXXX and she called out my date of birth. I asked XXXX what exactly does the company do and how and why does she have my personal information and she refused to answer what her company did. I informed her that she does have my personal information and why does she have it. She refused to tell me what the company was. At one point she laughed and still asked me my DOB and I once again informed her yes that is my personal information and how and why she has it and what exactly does the company do. She still refused to tell me what XXXX XXXX was. I asked for a manager and a XXXX got on the phone, he called out the last 4 of my social, I again asked how do they have my personal information and who are they. He final told me that they were a debt collection agency and they were trying to collect a debt for XXXX from XX/XX/XXXX. I informed him that was not my debt and to not call me again. He continued to talk and asked me if I wanted the information and I once again informed him that was not my debt and don't call me and I would be reporting his company to the CFPB. I do not owe this debt, I have been a victim of identity fraud and I want all information removed if on my credit. XXXX XXXX refused to identify who they were, they were rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
MY CAR XXXX XXXX XXXX XXXX XXXX WAS PICKED UP AT MY HOME AT XXXX XXXX XXXX XXXX  XXXX MARYLAND ON XX/XX/XXXX. I NEVER RECEIVED ANY LETTER INFORMING ME ABOUT A REPOSSESSION. I WAS TOTALLY SURPRISED! WHY? BECAUSE, I HAD COMPLAINED TO MR XXXX XXXX THE DIRECTOR AND OTHER STAFF MEMBERS SEVERAL TIMES ABOUT MY PAYMENTS MISSING IN THEIR SYSTEM. FURTHER TO THAT I HAD SUBMITTED A COMPLAIN TO CHRYSLER CAPITAL SEVERAL TIMES ABOUT THE UNPROFESSIONAL MANNER IN WHICH THEY HANDLE MY PAYMENTS. CURRENTLY I WORK IN WASHINGTON DC AND LIVE IN XXXX MARYLAND WHICH IS OVER AN HOUR AWAY. AS A RESULT OF THE REPOSSESSION OF MY CAR I WILL BE UNABLE TO GO TO WORK RIGHT NOW. THEY HAVE ALSO SET A DATE TO SELL MY CAR AS XX/XX/XXXX. KINDLY INTERVENE SO I CAN MAKE PART PAYMENTS TO COLLECT MY CAR, CONTINUE MY JOB AND TRY TO UPDATE MY PAYMENTS. I HAVE ALSO RECENTLY GOT A WEEKEND JOB WITH XXXX XXXX ALL IN A BID TO PAY OFF MY BILLS. I FEEL THAT I HAVE BEEN TREATED UNFAIRLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Waypoint Resource Group, LLC
State: UT
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:
Waypoint is reporting a debt on my credit file. I called and tried to settle this account multiple times but every time i call in they can not find my account. I have tried to contact them a handful of times and each time they can not find me in their system. This collection is affecting my credit score and it is very import that i get this paid but if they can not find me in their system then i need this account removed from my credit file. I have also disputed this account with no response from the credit bureaus or the creditor. I need this collection removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must 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 2022-02-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2022-01-12
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: Account status incorrect

Complaint:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( XXXX. XXXX ) and ( XXXX. XXXX ( B ) XXXX XXXX XXXX Statutes of XXXX. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.

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 2021-11-15
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One Main Finacial is not reporting my accounts correctly, I have spoken with them about the matter and it still has not been corrected!!!, This issue is that I have 2 accounts with them, they are reporting both accounts to XXXX, but reporting only 1 account to each of the other credit bureaus XXXX and XXXX. Since this matter I have paid one of the accounts out completely. And one of the accounts has not reported since XXXX of this year causing my credit score to not be as high as it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, I called Ally Financial and requested a 60 day extension as I am having a financial hardship. The extension was granted and paperwork was sent for me to sign and send back by XX/XX/XXXX ( 10 days from date notice was sent. The representative also placed in a request for the fees to be waived. There was also a payment made as agreed on XX/XX/XXXX for {$370.00} that covered the extension agreement payments for {$220.00} due XX/XX/XXXX and a payment of XXXX due XX/XX/XXXX. The notice was faxed on XX/XX/XXXX at XXXX XXXX and confirmation of receipt was received immediately. As of XX/XX/XXXX, I am beginning to receive notices that I owe {$440.00}. When I called on XX/XX/XXXX, I spoke with 2 representatives and a supervisor. The first representative could not comprehend anything I was saying and refused to let me speak to a supervisor after I asked 4 times. I then requested to speak to someone in the United States. That representative, XXXX XXXX, read over the account and connected me to a supervisor named XXXX. XXXX was condescending and refused to even acknowledge that I did my part for sending the information and told me I had to go back through the process. I explained to her that I currently am not in a position to request another extension as I did so to be proactive. I offered to send her proof that they lost my documents and that the fax was received, she advised me no. I had to call back to speak with another representative named XXXX, who actually listened to my situation and complaint. She couldn't make any promises that they would take action as they lost my documents but to fax her over the confirmation from when I previously sent the information on XX/XX/XXXX. I have attached proof that the fax was sent to the correct fax number and received.

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 2023-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have both personal and business checking accounts and credit cards with Chase bank- have been a customer for 10+ years. 

XX/XX/XXXX ( XXXX PST ) : I received four ( 4 ) emails from Chase that my contact information, email address, and phone numbers were changed. Note that I personally did not initiate, request, or approve of these changes. It was clear that someone had access to my account, first requested a change to my contact info and email address and subsequently changed my password. 

I was then locked out of my account, called a customer service representative through the credit card line at XXXX ( XXXX XXXX XXXX XXXX ) since the fraud department was closed and that representative helped me reset my password and gain access to the account. 

The following day ( today, XX/XX/XXXX ) I contacted Chase 's fraud department for several hours trying to understand what happened. After going back and forth with customer service representatives, they revealed that the fraudster called their customer service line, bypassed the security question ( via public record knowledge ) and was able to change the contact info without any additional security verification or measures in place. This all happened without any two-factor authentication with SMS or phone call, etc. 

The fraudster was then able to request a transfer of XXXX Chase Ultimate Rewards points to two separate accounts within Chase via phone call (! ) - again, with no notification to me or any other security measures. 

I am appalled at Chase 's lack of security within their online ecosystem and lack of protections and measures in place to prevent this. Almost all other credit card companies have better security to combat this basic fraud/scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: Exeter Finance Corp.
State: OH
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:
I applied for a credit loan through XXXX online. They had multiple companies including Exter Fin from XXXX, TX run my credit without my permission. This happened on XX/XX/2019. I never gave permission for XXXX to give my information to other banks to run my credit without my permission and I did not go through with a purchase from them so I want the hard inquiry taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: U.S. BANCORP
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:
i filed disputes with all three reporting cos also call the credit card i filed with you last my 3 scores jumped up XXXX and showed the credit paid off XXXX 2023 then today i get an alert on my phone trans just dropped my score XXXX points for the increase on my credit card i went online and loged in still XXXX balance then i called and ask why trans is showing {$350.00} bal they said it wasent them the i filled out another disupet i asked trans where the hell they get there information from to fix it now!!! i cant belive this goes on every month i am trying to buy a house and no bank will tuch me iam XXXX this year pull my report are they hacked please help this is not fair

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 2022-08-26
Company: EQUIFAX, INC.
State: MO
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:
I have noticed that XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX and EQUIFAX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America is charging me without my consent to various entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had made all these payments with my balances that to date I had in my different accounts that I have with said entity The XXXX XXXX entity tells me that these payments were already made and on XX/XX/XXXX they disconnected my telephone lines and they tell me that I have balances for XXXX Bank of America tells me that I have balances with them XXXX I don't know what is happening with my accounts and my money that I had on the different dates that all these transactions were made this happened on the dates from XX/XX/2023 to XX/XX/2023 where the entities reported that they had problems with the balances of the majority of clients where we received messages that they are obtaining information without authorization from said entities there were news in various media where they said that the accounts Balances went up and down from Bank of America and they sent me that I was in negative balances when at no time did I have negative balances with them nor have I ever obtained them with the entity.

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 2021-11-15
Company: Experian Information Solutions 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:
Experian released my credit report without permissible permission. I HAVE REPEATEDLY complained and REQUESTED A COPY of the permissible permission and was NOT COMPLAINING ABOUT AN INQUIRY. So I am resending copy of complaint AGAIN. 
I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.

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