BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is lowering my credit score based on FALSE INFORMATION. They are reporting a score of XXXX, which is 67 points lower than my XXXX score of XXXX based on the same information in my file. 

I am disputing the following negative factors that Transunion is basing my score on : 1. They are lowering my score based on inaccurate claims that I am " adding and removing remarks '' to my mortgage account XXXX/XXXX XXXXXXXX. I have NEVER made nor removed any remarks on this account. ( See Attachments A, B, C ) 2. They are lowering my score by claiming that the car loan I opened in XX/XX/2019 " Is negative since I've only had it a short time ''. This has nothing to do with creditworthiness. They do NOT acknowledge that I have paid off 53 % of this loan already, which is a POSITIVE FACTOR to do with creditworthiness. 

3. Transunion is lowering my score by claiming that a {$500.00} balance on my credit card which has a credit limit of {$9300.00} is " using a large portion of my credit ''!! I am only using 5 % of my credit limit. This is a POSITIVE, not negative factor! 

4. Transunion is lowering my score by claiming I have ONE hard inquiry for the auto loan which should equal no more than 5-7 points off my score 5. Transunion is lowering my score by suddenly claiming my Credit History is only 4 YEARS, when it is 29 years old. 

NONE OF THESE SO-CALLED NEGATIVE FACTORS JUSTIFY A 67 POINT DECREASE FROM MY OTHER CREDIT SCORES! The ONLY legitimate negative is one hard inquiry, which does not justify a 67 point drop. 

Attachments : A - XX/XX/XXXX point drop based on " remarks made '' which were never done B - XX/XX/XXXX point increase based on " remarks removed '' which were never done C - XX/XX/XXXX point drop based on " remarks made '' which were never done D - FICO scores for XX/XX/2019 from XXXX ( XXXX ) & XXXX ( XXXX ) E - Transunion FICO score for XX/XX/2019 showing XXXX and showing 4-year credit history which should be 28 years Information retrieved from a credit monitoring site shows I have No Negative Factors in my credit reports. It also shows that Transunion 's records show my credit history to be over 18 years. Transunion is fabricating negative factors that do not exist and denying me the high score I deserve based on my near perfect credit factors. 


.

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 2020-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Upon reviewing, Chase indicates that my two credit card accounts have been closed on XXXX XXXX without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our out us knowing. We had to call them last year and this year to make sure our property taxes were paid. We call them last night Mortgage was sold to another company last year. One of the first things required was an additional months taxes and they started paying our property taxes without telling us. Last night we verified that the taxes were paid and then they said we had a shortage in our escrow of over {$400.00}. When we inquired about this after figuring our taxes and home owners insurance we are positive almost {$500.00} which they wo n't send us until they evaluate out escrow account. Never had this happen before. We have always paid our taxes. They wo n't let us or give the option. This can not be right. Please advise!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: PNC Bank N.A.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX in XXXX, NC to trade my vehicle in for a used SUV. My credit was pulled, and the score was what I believe to be good ( XXXX ). I received letters from 2 different banks today denying me credit for reasons listed that are not true for me, including 'repossession, lien, judgement, delinquent accounts ', etc. NONE OF THIS IS TRUE. I have never had a vehicle that was repossessed, never had a lein put on me, and none of my accounts are delinquent. I 'm very confused and worried about what might be going on, including someone stealing my identity. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Experian Information Solutions Inc.
State: WI
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 have sent this letter to the credit company stating that the collection agency has cancelled the debt and it should no longer be reporting but they refused to remove it from 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 non-monetary relief
Consumer complaint received 2018-01-25
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Diversified Consultants Inc on  X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
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: Information belongs to someone else

Complaint:
I have two hard credit inquiries I am disputing. The first is from XXXX XXXX, XXXX for a credit card from XXXX XXXX XXXX. The second is from XXXX XXXX, XXXX for a credit card from XXXX XXXX. Both of these were not authorized by me and were done by someone else fraudulently. I called XXXX XXXX XXXX to terminate the card and I have had no contact with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: MA
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:
Equifax & XXXX credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I legally changed my name and gender and my credit has been tanking ever since and I can not get any loans or creidt. Background checks, credit checks, credit scores, etc all show under my old legal name and gender and despite contacting them for over a year now, nothing has been updated and my credit is still 100-200 points lower than it was with a name that is not updated. I do not know what else to do! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an anonymous call at XXXX XXXX on XX/XX/XXXX which I ignored. The perpetrator ( who said his name is XXXX XXXX or XXXX? ... ) left me a voicemail claiming that he wanted to send a notice out to me and he wanted to advise me that it had to be signed for upon delivery. He left a number to call back XXXX and told me to use reference number XXXX, when I called he claimed that I was going to have my paychecks garnished by TD Bank. I do n't owe TD bank any money and my account was closed for inactivity back in XX/XX/XXXX/XX/XX/XXXX. I do n't know what is going on but this must be some kind of scam. Attached is a copy of the voicemail audio. Thank you for your time and anticipated assistance. <P/>Note : This is the third time I 've been contacted by someone about this bogus TD Bank debt over the last three years. <P/>Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CITIBANK, N.A.
State: MO
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 have been a member of XXXX for about 4 years. In XXXX, XXXX, when XXXX XXXX cards were no longer accepted at XXXX, I received a XXXX Anywhere XXXX from Citibank. I already had XXXX XXXX cards from XXXX other banks and I did n't want a third XXXX. On my next visit to XXXX, I asked the person at the customer service desk if they accepted any XXXX. The answer was yes, so I had a membership card made to use for shopping at XXXX. I asked him what I needed to do with the Citibank Visa and I was told since I had n't activated it, I did not have to do anything. 

In XXXX, XXXX, without my knowledge or permission, Citibank charged my XXXX membership dues to an account I thought did n't exist. I receive all of my bills paperless and online so if I received any mail from Citibank, I would have assumed it was junk. I also did not know this account existed. 

About a month or two ago I started receiving phone calls about my Citibank Costco account. Some of the people left messages that were spoken very fast, somewhat garbled and hard to understand. I assumed they were scams since I did not think I had a Citibank XXXX account. 

On the advice from my lawyer, I decided to call Citibank thinking I was reporting scam phone calls. I was shocked to find out this account had somehow been activated without my knowledge, as well as fees and late charges which totaled over {$300.00} from the original {$110.00} charged in XXXX. They were very willing to remove all of these charges which were late fee and interest except for the {$110.00}, which I paid from my checking account for the XXXX dues. 

I am trying to buy a home and these charges have dropped my XXXX XXXX from XXXX to below XXXX. I have been told by the loan XXXX all I need is a letter from Citibank stating they removed these fees from my account which will positively effect my XXXX XXXX. 
Citibank refuses to do this and will only state I have a zero balance. 

I am XXXX XXXX XXXX and have always had an excellent XXXX XXXX, pay all of my bills in a timely fashion including a different Citibank account I have had. 

I thought the reason a credit card has to be activated is to insure the correct person receives the card. The charge was made ten months after the card was sent to me and had never been activated. 

I do not understand how Citibank can remove charges but still claim my account is delinquent. 

I think this is fraudulent since they have removed fees but refuse to report to the credit bureaus this was their errot.

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 2021-10-12
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered XXXX XXXX XXXX XXXX posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX  collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 (  a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by Equifax and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: VA
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 son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 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 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 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 2019-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX should not have foreclosed on my duplex. I was making payments on my duplex but not on the second mortgage because it was paid. The second mortgage was subordinate to the duplex loan. I believe the foreclosure balance was the balance of credit cards paid off in the two loans. 
XXXX second mortgage XXXX duplex loan XXXX When I bought my house our down payment was {$57000.00} Did they pay the credit cards and add the down payment back into the loan? 
There was no down payment on my duplex I paid cash. There was however a loan for the rehabilitation. Did they pay this loan again? 
We owned several other properties in the XXXX I now wonder if those down payments were used for the huge credit card limit ( {$180000.00} ) of which we used only a fraction.

If this is the case i already paid it back in the monthly payments I  made to those cards. In addition a portion of the claims were already included in the mortgages I paid off. Those companies made no claims but it appears this money was or is being paid to debt buyers. 
XXXX XXXX made no claim because it was paid XXXX XXXX made no claim because they foreclosed. XXXX XXXX made no claim because they paid themselves with my escrow surplus. I paid commerce 3 % monthly payments for 4 years for money I gave to them in the mortgages. 
There is no loan on my house yet they threaten foreclosure on a balance I believe is actually the money I have paid back to myself. 
There is no balance. This money would be a balloon payment I do not owe. I am making escrow payments to this non existent loan while they pay me back by paying my taxes and insurance. 
I believe This loan no one gave me is now held by XXXX XXXX because it was laundered through XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 we attempted to use our Amazon Account thru our identification process. We could not access our account. We called Amazon and was told that a purchase had been made for {$440.00} for a phone. They took down the information and told us to call our Amazon Chase Credit card. We closed the card and was told that Chase would review the information. Twenty days later, an attempt was made to purchase up to {$7000.00} classes on an alternate credit card listed on my amazon account. The credit card company immediately called me and we closed the account. Over the past 60 days we have made at least 25 phone calls to Amazon and Chase. Amazon tells us they will forward information to Chase that the purchase was unauthorized and Chase sends us a letter that says " We confirmed that the purchase was valid. The transaction will remain as part of your account balance ''. 
On XX/XX/2020 we contacted the third party Amazon vendor of the phone. They stated in writing " It shows you have not placed this order. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: First Credit Services 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX membership was cancelled properly WITH notice due to a move. According to that specific Gym 's policy moving outside the supported radius with sufficient notice was all that was required. That was done correct & the Gym itself was in agreement. 

However the account was incorrectly placed in collections & the collection agency refused to abide by those guidelines. This should NOT be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation