BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
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:
I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. 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 2021-04-30
Company: U.S. Auto Sales Inc.
State: NY
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:
US Auto sales has failed to send me the original documentation with my signature on it for proof of purchase. They are claiming they dont understand whats inaccurate on my report and the question is rather simple. I am asking them to provide ( Proof of Verification ) of this alleged debt that they have placed on my credit report in which they have NOT done so. Im confused about what part they dont understand. Its quite simple, provide proof of the original documentation with my signature on it for the alleged debt they are claiming I owe. Further more, they did NOT respond within the 30 day time frame, I have not received any documentation from them. I have proof that I reached out several times to get verification with no response. They need to provide proof of contract via mail. Not email, or phone call. I am demanding that they remove this erroneous debt off my credit. I received an email today XX/XX/2021 from a representative of US Auto sales by the name of ( XXXX XXXX ) stating that " XXXX is blocking her emails from being received by me ''. This is the first time I have heard from them which is technically not the proper way they should be responding to this request. The should essentially only be contacting me via mail which is how I have been contacting them. Once again, I am attaching the original letter sent out asking them for verification. I am also attaching a copy fo the email I received today from US auto sales. They are in violation of the fair credit act and I will pursue further legal actions if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
checking my credit report a lot of information is invalid. I am interested in disputing all incorrect information with transunion to help clear my file.

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 2018-10-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Called Chase bank XX/XX/2018 regarding my ridiculously high APR on my 3 credit cards with them. My APR is 24.99 % and my credit score is in the low 700 's. I have been with Chase for over 3 1/2 years and I have never missed a payment. I was told by a supervisor that they don't negotiate APR 's, and that I am getting the best rate on my account. I also have a 0 balance on all 3 of my cards with them. The only reason I am still with them is that they are decent at raising my limits but bad at lowering my APR, because they never have.

In closing I would appreciate you look into this company and others like it, when they become to big to care for the little guys, they will lose all in the end from their greedy ways. Thanks for the help in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
Experian shows my account Negative until 2022 which is 4 years from now and this account has not been late for 2 years and Experian has it Negative. 

this account should not take 4 years to go positive considering it has not been late for 2 years. Experian seems to say on my credit report its in the negative standing. I do n't no how it is when nothing has been late for over 2 years. 

I 'm also filing with the FTC on his 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 explanation
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Around XX/XX/XXXX of 2021, after a sum of {$3200.00} ( two separate invoices ) were deposited into our business PayPal virtual wallet, PayPal permanently removed our ability to manage and withdraw the funds. Over the course of several digital and phoneline communication attempts with PayPal, their support services have refused to elaborate as to why the account lock action was taken and have refused to facilitate management of the funds to our business. 

Reference ID : XXXX The course of action I am taking today has not been taken lightly and has been suggested by several sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Found out XX/XX/2020, my Social Security number had been compromised, i.e., identity theft. I filed a police report, a complaint with the Federal Trade Commission, an Affidavit of Identity Theft with the IRS, called our local Social Security Office as well as phoned the Attorney General 's office and emailed them. I then proceeded to go " lock '' or " freeze '' my credit reports. In doing so, I was reminded that I had frozen all of them back in the end of XX/XX/2020 due to some personal financial information that went missing via USPS, but turned up much later. In the meantime, I never removed the " freeze '' on any of my accounts. on Friday, XX/XX/2020, I called each bureau and put a " fraud alert '' on my credit reporting accounts also. When checking my report this morning ( as obviously I have to do pretty much every day now ), I find that Transunion, while my credit report was supposed to be " frozen, '' allowed an inquiry by my employer. First, my employer should never have access to my account without my written consent, this is my personal information. Second, the date of the " employer verifying '' was XX/XX/2020, the exact same date that the Employment Security Department was indicating I was laid off work and trying to verify my " claim for unemployment. '' I have no claim for unemployment, I have been at work since day one of this pandemic we are experiencing. Therefore, whether it be the Employment SEcurity Department or my " employer, '' there was an " inquiry '' on my credit report which was " frozen '' so as not to allow any inquiries or applying for credit without speaking with me first. Transunion allowed this to happen ; and now when I try to reach out to them to find out who made the inquiry, Employment Security or my employer, they will not answer my questions, I can not understand a word their employee is saying, and then they say I need to file a " dispute '' and they forward me to the " dispute '' line which immediately says " Your call can not be taken right now '' and hangs up on me. This is after 30-45 minutes of waiting on hold just to get through only to get nowhere. I'm highly concerned for the safety of my financial information.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2018-04-06
Company: National Credit Adjusters, LLC
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:
This company is not licensed to collect in my state. I'm am a Texas resident and this company is bonded in Kansas. Today, XX/XX/2018, this debt was added to my credit report! I'm furious! Not only because they are illegally trying to collect in my state, but I have NEVER even done business with this company. I don't know who they are! I have worked really hard on my credit and haven't had late payments or new deragatory marks on my credit in YEARS!. The company attempting to collect the debt is NATIONAL CREDIT ADJUST. THEIR address is Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX | ( XXXX ) XXXX. The amount listed is {$830.00}. No one even ever attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED

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 2020-05-26
Company: EQUIFAX, 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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CORELOGIC INC
State: MN
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 a buch of inquirys for a car that i wasnt trying to get or never applied to

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 2019-08-28
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Fraudulent accounts opened in my name.

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 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One, XXXX XXXX XXXX, XXXX, VA XXXX had a checking and possible line of credit account for my daughter. Years ago, I was instructed by Capital One that I could add this account to my electronic banking to enable me to transfer funds to her, but I never accepted responsibility as a co-owner and was not responsible or informed about that account. Capital One never communicated with me about this account or informed me that the account was in arrears. In late XXXX, 2020, I got a call from Capital One that her account was past-due, and I authorized them to withdraw from my checking account the past-due amount to help my daughter. Capital One at that point started to treat my daughter 's account as mine, without any notice or authorization by me, and then reported negative information to XXXX and others ( XXXX ) using my personal information. The date of the report was XX/XX/2020, the amount is {$810.00}. I have repeatedly attempted to have Capital One remove this negative information in my name from the credit reporting records. Capital One appears to have no department to deal with misinformation about checking/credit lines. Instead, they keep passing me from department to department, and are even unable to find how this information was reported about me, and seem to have no mechanism to fix this problem. They inform me that they have a department to deal with credit card errors reported to credit reporting agencies, but have no one to deal with misreporting checking/line of credit information. One senior representative admitted that they have no mechanism because, unlike credit cards, they believe they have no statutory requirement to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A mortgage modification packet was requested in XX/XX/2020. I received a letter dated XX/XX/2020informing me that they had reviewed my application and that I was not eligible for a mortgage modification but I was eligible for a short sale, or deed in lieu. The first issue is that according to the attached letter they reviewed my application however a modification packet was never sent. When I questioned the mortgage company about this they said that they did a streamlined modification that required no paperwork. According to all the information that I have read a streamlined modification was intended to keep homeowners in their homes with little paperwork rather than using no paperwork to remove a homeowner. I explained to the representative that I found a denial for modification hard to swallow when my financial situation was never looked at. The attached letter stated that I also had a right to have a second independent review. I requested this via email on XX/XX/2020. On XX/XX/2020 I called into customer service in regards to a letter that I had received regarding mail that was sent to the incorrect address. At that time I was informed of a foreclosure sale date on XX/XX/2020. I then asked about the second independent review. The customer service rep saw where I had requested it but could not explain why the review was never completed. She then told me I needed to submit an email asking that very question and requesting that the review be completed. On XX/XX/20 I sent an email along with all the attached paperwork requesting that Specialize Loan Servicing cease and desist any foreclosure proceedings until the second independent review was completed. At this time I feel like my rights have been violated because my modification was denied under false pretenses. Specialized Loan servicing reviewed no information regarding my financial health. They also denied me on the basis of loan to value numbers but provided no proof of what those actual loan to value amounts were. I am requesting that the CFPB hold Specialized Loan Servicing accountable for there actions and ask them to stop the foreclosure  proceedings until they do their due diligence in helping a homeowner stay in their home. I have also attached information from Specialized Servicing showing what streamlined mortgage assistance means and what they can do to help homeowners.I have been told that they can not reduce my interest rate because it was as low as it could go but after reviewing their own paperwork the interest can be reduced done to as low as 2 %. They also have many options on the attached sheet which I qualify for but have never been offered.

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 2020-05-26
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my FHA loan was transferredfrom XXXX XXXX  to New Rez because XXXX financial filedfor bankruptcy. 
on XX/XX/XXXX I received an " Escrow analysis '' from New Rez that stated a 1/6th balance cushionwas required for my escrow account. I have never had this requirementbefore for myescrow account with any of my previous " holders/lenders '' of my FHA loan.I called New Rez several times between XX/XX/XXXX and XX/XX/XXXX attempting to get the 1/6th. cushion requirementremoved from my escrow account because per my originalnote a " 1/6th '' cushion is not required and also because per my " welcome letter '' None of my mortgage terms are to change, the only difference is the company I send my payments to. 
I have had my FHA mortgage loan since XX/XX/XXXX and since my mortgage has been transferredto 3 different lenders and never have I had this issuebefore.On XX/XX/XXXX I decided to make yet another call and speak to a supervisor considering that any other time I had talked to a customer service representative my questions were not being answered in a consistentmanner. I spoke with a manager by the name of XXXX XXXX who opened a case for me and said it had a completion date of XX/XX/XXXX. When I called on the XXXX. for the resolution of the case they stated they were still working on it. Today, XX/XX/XXXX when I called I was told by another representative that the case is still open because the original request was not to remove the 1/6th cushionbut to rather close my escrow account. I have not made a payment to my mortgage for the month of XXXX because I can not afford my new mortgage account because of the XXXX cushion. I am under the impression that because my loan was transferred to New Rez from XXXX and the welcome letter states that nothing will change in regards to theterms of the loan and also because the 1/6th cushion was not a part of my original FHA mortgage note, that what they are doing is not legal, and thus, I am reaching out to you for your guidance and help in regards to a resolution so that I won't lose my home. 

I also am concerned in regards to the legitimacy of this company. All of my correspondence say " New Rez '' but when I call they state their name is Shell Point Servicing and New Rez is a  subsidiary of Shell Point Servicing. I just want to make sure my previous payments made are to a legitimate company.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Not my items reporting

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