BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
The XXXX XXXX  Account is Inaccurate and Fraudulent Info reporting on my credit profile The dates of reporting are inaccurate and its been over 7 years on my credit report XXXX XXXXemove it from my credit report and it should be remove from the other credit report companies XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Approximately at XXXX, I spoke with a representative from Global Lending Service that For which whom I contacted in reference to my auto loan which was a consumer credit transaction. Pointed out violations including the finance charge, down payment and right to rescind. I also stated that I would like for the contract payments to immediately become ineffective for violation reasons, and requested {$0.00} balance auto loan on all three credit reports while also demanding rightful possession of title in hand. 15 USC 1605, finance charge is the sum of all charges. 15 USC 1692e false and misleading representations, 15 USC 1692j furnishing certain deceptive forms. I was never given any notices or forms to fill out for the rescission process. Any deceitful practices are in non compliance of congressional law. 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud 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 2019-09-16
Company: Experian Information Solutions Inc.
State: FL
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 contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX,  XXXX XXXX Inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  Inquiry : 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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2019-09-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Step 1 : What is this complaint about? 

I received two ECOA letters from " XXXX XXXX XXXX  '' two weeks ago that an application with my name and phone number, stating that my " request for credit was not approved : Unable to verify identity. '' My husband received the same two letters a month ago. 

I have attempted to follow up with the number provided multiple times. I have been told that they will put a message in that a manager will need to call me back. it has been over two weeks for myself and over a month for my husband. I was told on the phone that i was speaking to a representative from XXXX not XXXX 's XXXX XXXX. I have also tried to contact my local Walmart, walmart HQ, and Sams Club with no success. 

We have both already filed police reports but are trying to determine where the fraud took place.

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 2019-09-16
Company: Certegy Holdings, LLC
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XX/XX/2019 {$20.00} declined on Sunday I was at work and tried to pay for dinner my check was declined by " Certegy '' no reason. Called the bank the next day, my account was OK no reason the decline. Called Certegy was told no real reason for decline. Was told I wrote a check the night before and the banks wouldn't have time to verify if I wrote another check????? Who is this company and where does it gives the right to decline a check if there is money in the bank?? Then when you call, they want ALL your info. driver 's lic. bank account numbers. who are they and what are they going to do with it???

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 2018-02-21
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:
My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.

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 2021-05-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letter trying to collect a debt they thought I was a cosigner on as reported by the real estate company. 

They did not confirm that I was not a responsible party

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 2020-12-15
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM 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 explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2020-06-28
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX by telephone, I revoked my authorization for recurring ACH debit entries to be made to my personal bank account for my monthly payment. I was informed my request was complete for my next recurring payment scheduled on XX/XX/XXXX. On XX/XX/XXXX, the debit was made. I promptly contacted customer service requesting a refund, also inquiring why the draft was completed despite revoking my authorization two weeks prior. I was informed the customer service rep didnt complete my request " all the way through '' and I would need to complete a refund request thru the Accounts Payable department. I swiftly provided the completed form they sent to me via email as well as the supporting documentation ( proof of cleared payment from my institution, details of my call on XX/XX/XXXX, etc ). The representative and paperwork stated the refund would be complete within 5 business days. On the 6th day I contacted customer service in which I received a response that " they hadnt even opened my email '' and could I please resend it. It has now been one month since I revoked authorization and 18 days since I provided the requested documentation to receive a refund due to FlagStars mistake. I have yet to receive a healthy response other than the concern has been escalated. However, over {$1200.00} has been debited from my account without my authorization and any priority to assist in returning the funds promptly. I would like for their processing to be reviewed and held to NACHA guidelines as well as other authorities for ACH processing, customer service is poor and misleading to say the least. Even after speaking with 3 members of management my request has fell short. My mortgage has since been satisfied as a result of a refinance that prompted the ACH revocation in the first place and I am concerned I will not receive my payment in full as it will be included into an escrow refund and overage of payment, minus interest, etc. To debit a consumers account for $ XXXX during such challenging times creates an extreme financial burden. I hope escalating this concern to the CFPB will aid FlagStar in reviewing thier process for future consumers to not experience the extreme concern and frustration that has resulted from the numerous calls and emails I have had to complete to still not have any healthy updates over 3 weeks later and a month from initial request ... For a mistake made on their end.

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 2019-09-16
Company: JPMORGAN CHASE & CO.
State: CT
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:
I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX  / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal set restrictions to my account that I used to receive payments when selling my used, old items on XXXX. 

I successfully sold and received payments for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I canceled the sale on XXXX item and refunded the customer because of the restriction imposed to my PayPal account. Consequently, I have remaining balance of {$280.00}. 

I can't withdraw or use the {$280.00} because of the restrictions and I can't work this out with PayPal, because they are asking documents such as a receipt for the XXXX watch and XXXX docking station. They are old items and I no longer have receipts, which I think is reasonable. 

All I want is to close my PayPal account now and have a check mailed to me for the remaining balance of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and gave requested to have removed numerous times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 i sent over a complete modification packet. loan care refuses to review my documents and help me with an obtaining an affordable payment. i have left numerous voicemails to management and the single point of contact which never call back. Agents and representatives that do get on the phone are not helpful always rude and not once want to answer any questions they always transfer without giving the opportunity to explain and then never get called back. the more they refuse to work with me and more against me the more i fall into default and i am not wanting to lose my home. i need all the help i can get moving forward.

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 2019-09-16
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) amex on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I entered military service in XX/XX/XXXX and put all of my student loans into deferment while I went to XXXX XXXX and got into a routine and made a little bit of money. Around XX/XX/XXXX, I was stable enough to start making payments on my student loans, and I started to do so. However, when restarting payments on my loans, I forgot about the {$30000.00} loan I had taken out with CitiBank. Over time, the payments became very delinquent. There was no attempt to contact me that I am aware of, either through email, phone, or mail. 

I found out about the delinquent account because my clearance was at risk in XX/XX/XXXX. I called the company to try to figure out a payment plan because I am WILLING AND ABLE to make payments. The debt has been passed around through various companies, and this required calling all of them. CitiBank gave it to a company called XXXX, who sold it to XXXX XXXX XXXX, who sold it back to CitiBank. I received no notification that my debt was passed around, and who I should be making payments to. I called Citibank late XX/XX/XXXX to try to make a payment plan, and they refused, saying that the only option for me was to pay a settlement equal to 65 % of the amount owed. The amount owed is {$42000.00} and the settlement payment is {$27000.00}. 

I told the representative that I talked to that I am unable to make a settlement payment, but that I am WILLING AND ABLE to negotiate monthly payments, and my request was refused. When I asked to speak with someone else or a supervisor, my request was denied and the representative stated that he did not have a supervisor and that he is the only one that I am allowed to talk to. 

I considered getting a consolidation loan, but I can not get a loan with bad credit. I can not fix my credit until I get this loan taken care of. This is an endless loop that I am stuck in despite my willingness to fix it and make it right.

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 2018-06-12
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:
I have disputed an address about 5 times that it does not belong to me. Equifax employees have told me it will be deleted 100 %. There is not account of mine that reports that address. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: GA
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 have been getting alot of unauthorized inquiries on my reports so I placed a fraud alert and froze my reports but I kept Equifax open because I wanted to open a XXXX XXXX account, since then I have gotten inquiries from XXXX, 2 inquiries from XXXX and when I disputed it with equifax they did nothing and when I called XXXX XXXX they did nothing either!

Company response to consumer: Closed with explanation