BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
have been trying to get a home and was denied a loan because of a serious delinquency I have never been late on a payment and always payed everything on time after checking my credit report I was shocked to see a balance to PRA for {$980.00}! After further investigation this was connected to a XXXX credit card I got and was stolen and charged without my knowledge. I disputed these charges with XXXXXXXX XXXX and they assured me it was taken care of this was obviously not the case so I disputed these with the XXXX XXXX and XXXX deleted it but XXXX and XXXX came back as verified I am asking to please delete these from my credit report as I am paying the price for someone else 's mistake so if you could please delete these I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXILXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXILXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4000.00} ; XXXX  XXXX Balance : {$410.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2021-07-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MyFedLoan is miscounting the number of payments I have made toward repayment. They record that I was in forbearance from XXXX to XXXX. This is not the case. I have requested they fix the problem and then have not been able to willing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24
Company: EQUIFAX, 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:
Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XX/XX/2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
I have been submitting multiple letters from XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XX/XX/2022 I made a swift transfer form my bank account in XXXX ( XXXX XXXX  ) in the amount of XXXX USD. XXXX XXXX  processed my transaction within an hour but money got immediately stuck as they reached intermediary bank which is J.P.Morgan. Since then my funds are stuck there and I am trying to reach J.P.Morgan in vain. My transaction has a status blacklistblock. Call center doesnt respond to the calls from people who are not their clients. E-mails are ignored. So the bank is using my money without any explanation. Since XXXX of XXXX I havent found a person who would help to solve the issues. All I got just a short reply in social media tab I should solve this with my senders bank. Meanwhile XXXX XXXX cant help me as my funds are stuck in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: ALLY FINANCIAL 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:
Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XXXX of 2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 do not have a complaint with Trans Union directly, but in the past few months I gave proof that the XXXX XXXX XXXX card that was on my Trans Union report was the sole responsibility of my husband, and that I was only an authorized signer. I wanted XXXX XXXX XXXX to remove this account on all three credit reporting agencies, of which the account was deleted on XXXX and XXXX   respectfully. I respectfully request that Trans Union follow through with XXXX XXXX XXXX and delete their account reference immediately as per the XX/XX/2018 letter in this matter.

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 2018-06-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a Wells Fargo credit card to do a balance transfer. I asked for {$10000.00} credit and received a {$15000.00} card. When the card arrived I didnt want to use the enclosed check so I called the bank and the customer service rep helped me decide to do a {$13000.00} transfer from XXXX electronically.On XX/XX/XXXX, I find out I owe XXXX to Wells Fargo, even though I only had {$15000.00} limit. I called the bank and was told the rep made a mistake and I should call XXXX to reverse it. After almost 90 days its still not resolved, but Wells Fargo charged me 2 transfer fees, and forced me to pay $ XXXX monthly and no longer takes any responsibility for their mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-10-07
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: Old information reappears or never goes away

Complaint:
Equifax sent me notification on XX/XX/2020 Confirmation # XXXX That items on my report that I disputed is not reporting on my credit file. I recently checked my report and the item that they stated that isnt reporting on my credits file is still their. They never took it off like they said they did. The item is Company Name : XXXX Account Number XXXX I have the documents of what Equifax sent me via mail that things were taken care. But now I see it wasnt what they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XXXX I contacted XXXX XXXX XXXX and told them that I needed temporary alarm system for an investment property. They told me that through them I could get this service and once my home was sold I could transfer the service to the new home owner. Today I contacted the Company and advised them that I wanted to transfer the service. They then advised me that I needed to contact Citizens Bank because Citizens Bank is going to require me to pay off the loan amount since the loan isn't transferable. I never dealt with Citizens Bank when I initially signed up for this. I also wasn't made aware that the loan wasn't transferrable and that I would be responsible for a loan on a temporary investment property. Citizens Bank was never in the picture nor was it clear to me that I was actually doing business with two different companies. This is extremely confusing to the average consumer and I want to cancel my service with both companies without being penalized for misleading and inaccurate information that was provided to me when I initially contacted XXXX to tell them what I needed in a product. Citizens loan id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I live in XXXX. I am unable to enter my address or phone number ( international ) via website or app. I marked my preference to contact me via Email. I was unable to login to my account when I changed my password in XX/XX/XXXX and needed to contact Wells Fargo. I finally paid to get an international phone card to call in and get access to my account today. Got logged in and found out my credit card was closed due to a XXXX balance. They sent mail to my old address even though I clicked email for account related information. I called to get more information and they marked my complaint but was unable to reopen my card. This will now effect my credit score due  to their services on not being able to inform me prior to closing the account.

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 2018-11-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I requested my free annual report from Equifax using XXXX. I filled in my personal information and answered the security questions. I then received a credit report for someone else. Looking at the report I noticed that we have the same last 4 social security number. I am attaching a copy of the report I received. This is not me. 

My concerns are ( 1 ) I was not able to get my annual credit report and ( 2 ) I was given someone else 's personal credit report without their permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2017-06-17
Company: Continental Finance Company, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
SUPPOSED " TRANSACTION '' : Date :  XXXX / XXXX /   2016  Amount : {$490.00}  XXXX  Processor :  XXXX    XXXX   XXXX   ( illegitimately claimed " sale '' through fraudulent website -  XXXX   ) Neither  XXXX  / Continental Finance nor this continually unresponsive " entity '' identified what was   supposed transacted on my card by either them or the associated fraudster.     The initially attractive {$500.00} card limit -- albeit a whopping {$100.00} processing/activation fee -- that I chose to help build my credit is indeed issued by the indisputably most horrible financial organization in the worl d, Continental Finance. Their management and incoherent representatives ( see " SurgeDisputeOperationsEmail '' attachment for the absurdity of the representative in closing my card / resolving my claim, in which she even deleted one of my email requests having a receipted opening ) have solely prompted serious issues in getting, not only this charge cleared from my account, but now the late fees more than {$300.00} due to Continental Finance 's asinine interest rates and holistic financial insecurity. Now,  I wake up every morning wondering how this institution ( whom offers  XXXX  different bogus credit cards! ) is even permitted to operate in the United States or any country for that matter. They are not interested whatsoever in helping  Americans es tablish credit with the  XXXX  major  bureaus. Continental Finance is out to pillage every red cent they can from their unfortunate customers that are experiencing the same indescribable problems as I. Please do yourself a  kind favor and run as quickly and as far away from these crooks as fast as you can before you inevitably end up with a catastrophe like I am dealing with.

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 2018-04-15
Company: SYNCHRONY FINANCIAL
State: WV
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:
On my credit report through XXXX XXXX it shows a hard inquiry on XX/XX/XXXX from a XXXX/XXXX in which I did not apply for credit anywhere so I have no idea who this is or where this credit application came from. I did lose my wallet in XXXX XXXX, Virginia in XX/XX/XXXX-XX/XX/XXXX so not sure if someone has used my information from my information in my lost wallet.

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 2020-01-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of  my credit bureau reports equifax and XXXX. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Innovis
State: ME
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:
Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized inquiry on consumer report I have informed XXXX, Experian and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.

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 2018-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian provided information to the lender " XXXX XXXX. '' While applying for a credit card. I was denied credit based on " an alert '' in my Experian report. I was not contacted by XXXX XXXX, nor Experian to idenify myself or actually checked. My credit was run, and I was instantly denied without any further actions by 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