BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: OH
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 THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX   XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or 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 2021-05-05
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
AES continues to add interest to and capitalize on my student loans so that my original loa. Of XXXX Principal is now over {$11000.00}. How is this legal?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: 360 Mortgage Inc.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 at XXXX XXXX I sent a correspondence to XXXX at 360 Mortgage, Inc. I'd spoken to XXXX earlier that day after visiting the companies website to file a complaint about the service I was experiencing at the time. I've emailed this gentleman one more time since the initial correspondence and have not yet received an answer as to what went on with my loan application. My credit was pulled by the loan originator at this mortgage company. I have all correspondences to the gentleman and the loan officer including texts. The initial email correspondence read : " On XX/XX/2019 I reached out to XXXX XXXX regarding doing business with your company. 360 Mortgage, Inc. came highly recommended by a friend and colleague for possibly getting difficult deals like mine done. 

XXXX and I corresponded via email and text messaging and I submitted all the items requested as soon as possible. When she pulled my credit, I hadnt yet lifted the security freeze off of one of the credit reporting agencies, but did so immediately upon learning from her that she was only able to obtain two of them. I learned last week that she still hadnt obtained a report from the third agency and thats when it occurred to me that my application probably wasnt being processed. I have all text and email correspondences between she and I. Im not sure where things went wrong but Im perplexed at how business has been handled. 

Thank you for reaching out so promptly and if there are any other questions or concerns, please dont hesitate to contact me at any time. 

Sincerely, XXXX XXXX ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2020-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was trying several times to open chase sapphire credit card. 
I was rejected many times. The reason : many credit cards. 
I have only 3 from other banks with 0 balance. I spoke to credit reporting file. They confirmed I had 6 before. I have 3 closed 5 years ago. And have 3 active ones I always pay on time. My credit score is XXXX. 
Surprisingly chase sent me mileage  card with XXXX line of credit. 
I didnt ask about XXXX   card. They sent it to me by mistake. 
Its weird. Because right after I closed XXXX  card and wanted to open XXXX  again, I was rejected again. 
How many cards am I allowed to have if all of them paid within required time. 
I dont understand the reason for rejection. I have investment account in the bank of {$400000.00} Please help me to resolve this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 made several attempts to have unverified information deleted from my credit report from transunion and XXXX. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.

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 2021-10-16
Company: Io, 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:
Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what RECEIVABLES MANAGEMENT is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that RECEIVABLES MANAGEMENT is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, RECEIVABLES MANAGEMENT must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to RECEIVABLES MANAGEMENTs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against RECEIVABLES MANAGEMENT I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Beginning in XXXX of 2017 I noticed that my checking account balance was at times, lower than what it should have been. I found that someone had taken my checks and endorsed them in my name, and then cashed them. I reported this to the bank as they were also handling my my investment account. At the time, they told me not to worry about it. They did not offer to investigate it, in fact they brushed it off. At the time, I was starting a " XXXX XXXX '' business and was well over my head and that of course distracted me and I did not pursue the matter further. Of course, I am in need of the funds that were fraudulently taken out of my account. I would like the bank to open up a fraud case and explain to me why they cashed checks that clearly have a signature that is not mine. Also, I would like the bank to explain why they had me fill out a signature card upon opening the checking account, yet never measured the fraudulent checks against the signature card. If they had done so, to the very least, they could have brought this to my attention and right then and there we could have avoided the fraudulent checks from being cashed. I will attach to this complaint, a copy of a spreadsheet that clearly outlines the fraudulent checks, proof of a proper signature and all supporting detail.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-04-29
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card I got when shopping for a mattress at mattress firm. I opened the Synchrony account 2 years ago. After 2 limit increases my final limit was {$7500.00}. NEVER late, NEVER over the limit. Current balance {$0.00}. Out of the blue, I get a notification from MyFICO that my new limit is now {$250.00}. Who tf can purchase anything for {$250.00}? I called and they said we periodically check your credit, and your score must have gotten lower. So you lower my limit because Im utilizing other cards and my balances have increased?! Especially during this global pandemic. They are not consumer friendly. I told the lady close the account all together.

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 2020-04-29
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Went to account on the website to pay off found the total at {$5200.00} on XX/XX/20 and paid that amount in full believing my account was taken care of. Subsequently saw an email regarding my account and found another {$960.00} due. Contacted company XX/XX/20 through website disputing this amount they responded XX/XX/20 stating this was more interest that had accrued but my statement of {$5200.00} on XXXX showed it included {$940.00} AND {$1200.00} had been assessed XX/XX/20. I again disputed XX/XX/XXXX they responded XX/XX/XXXX AND assessed a late charge and more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice of {$390.00} from XXXX XXXX. I called XXXX and the account number provided on the notice is not XXXX and I was told to call XXXX XXXX. I called XXXX XXXX and the account they pulled up shows a balance of {$55.00}. The account is currently in dispute as account was opened fraudulently. XXXX stated there has been no activity on the account nor has ever had a balance other than the {$55.00}, so I am not sure where EOS CCA is coming up with their balance of {$390.00} because it is completely incorrect and not owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making on time payments to the company and the credit limit is still in use. However, it says that they have closed the account. After we have set up payment arrangements and those payment arrangements have been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Westlake Services, LLC
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX took over my car loan. the repedetly call me its 3-4 times a day all with in three hours. i called them asked them to stop calling they said they will call over and over tell they get me. i have never even been late on a payment and they harrass me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TD BANK US HOLDING COMPANY
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:
My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with TD Bank. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from TD on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that they were collecting the {$890.00} debt on behalf of TD, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with XXXX to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to TD in order to get approved. I went back to the XXXX website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched XXXX on the XXXX   and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this correspondence is reference to predatory lending, I hired a legal firm XXXX XXXX to represent me with current mortgage lender ( PennyMac ) .The loan didn't get modified I paid the firm $ XXXX monthy. My name has been removed off the title and in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and written to dispute these fraud items on my credit report and I have let them know that his information is incorrect. The following accounts are listed incorrect 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 2020-04-29
Company: Experian Information Solutions 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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}

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 2020-04-29
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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00}

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 2018-11-13
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:
I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.

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