BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: PA
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 is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: SLM CORPORATION
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:
Remove these accounts from the 3 bureaus as they are affecting my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
State: CA
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:
MY CREDIT SCORE WENT DOWN 50 P0INTS IN ONE MONTH FOR NO REASON. I APPLIED FOR XXXX  LOAN FOR MY WORK OVER 4 MONTHS AGO BUT DID NOT HAVE A REFLECTION ON MY SCORE BUT JUST NOW LOOKED AND IT DROP 50 POINTS. WHY?? 

I AM CONCERNED WITH ID THIFT, I HAVE HAD TO CHANGE CREDIT CARD REPLACEMENT FOR UNAUTHROIZED USE AND I AM WORRIED THERE IS THEFT

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 2019-05-20
Company: JPMORGAN CHASE & CO.
State: IL
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:
JP Morgan Chase Bank has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I believe this was done due to my race

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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 am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX TransUnion These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.

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 2020-11-12
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There saying I owe XXXX to the XXXX XXXX Ive always paid I also have a XXXX  one credit card for any balance I called the XXXX XXXX  they said they didnt have any record of me being behind the two credit investigated and removed it from my report but XXXX refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX  XXXX-Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I went to tour a home for rent. I liked the home got the lease and paid deposit through XXXX at my bank Chase. I was frauded. I contacted my bank Chase the same day and was told that my money was just gone and they couldnt help. I gave XXXX. XXXX application fee and XXXX deposit. How can the bank support a problem that has no security. The money was sent to XXXX ( XXXX ) XXXX Through Chase XXXX the fraud person name is XXXX XXXX. I filed a police report with the XXXX Police Department in Georgia. My bank just left me hanging, wouldnt provide me with any information concerning where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: AES/PHEAA
State: GA
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:
My loan is being serviced by XXXX Account # XXXX Originally the loas were with XXXX XXXX and XXXX. Both companies failed to properly provide counsel regarding loan consolidation and the current company is calculating my payment using my gross payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Paypal Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Well I haven't received paypal holdings they been holding for almost a year now. Investments from last year no money received .XXXX returns non at all. Theres plimmishing, spfooing. I'm a victom of Fraud and the web it self ive had money Unauthorized charges to open off apps and prepaid cards. At least {$100.00} Hackers interfere with loans all they above Loans except mortgage. Online text and calls people I don't know. Currency having problem converting in 4,5 Countries. Online Paid Surveys I've completed havent revived a XXXX XXXX for. Starting XX/XX/2017 ending now. Rewards i completed including the extra steps I finished still haven't received my rewards gift cards XXXX and XXXX. Magazines ebooks etc. prepaid and credit card Rewards havent gotten XXXX XXXX spends XX/XX/2017 my spends are gone XXXX XXXX, XXXX XXXX  and XXXX. Owe {$160.00} in card unauthorized usage. The web provides false info and death statements my user name always being used. I could go on and on XXXX from Paypal Supervisor hasn't return my Unathorized {$60.00} I put on cash card. Thank u bye XXXX oh yea unclaimed money I've paid XXXX $ and still haven't received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am an identity theft victim. I have credit freezes placed at all 3 credit bureaus and at XXXX XXXX. I don't have any accounts with TD Bank. 
on XX/XX/XXXX I received a TD Bank statement for an account that I did not open. Called customer service but could not get to any person. 
on XX/XX/XXXX went to TD Bank XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XX/XX/XXXXNYXXXX. The manager XXXX XXXX was very helpful. She called Fraud Specialist XXXX XXXX XXXX and reported the fraud. Apparently two accounts were opened online, one checking and one saving. Ms. XXXX gave me the direct number for Fraud Resolution Department. 
For good measure I also called TD Bank Fraud Resolution Department and reported the fraud to XXXX. She said that she closed both accounts. 
I thought that it the end of it yet on XX/XX/XXXX I received another TD Bank Statement. Called their Fraud Resolution Department and spoke to XXXX. She said that the accounts were closed but she could not explain why I received another statement. 
It is also difficult to understand how a bank can open an account to my name while I have security freezes placed at all 3 credit bureaus and at Chex Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Do to Financial problems health problems we fell behind in our mortgage we were advised to apply for a mortgage modification that would be helpful in our time of need .We Applied in XXXX and have got the run around ever since then it seems is though the lender is doing every thing to discourage us from even getting to a point of rendering a decision my husband who is XXXX and myself a small XXXX XXXXXXXX XXXX have paid our bills religiously and have now fell on some hard times.we really need to ave this done we are falling further and further behind the lender is threatening foreclosure rather than assist us to modify the our property.Each time we send what is requested we are told we have to wait to verify receipt days later if it has been verified we have to call continuously with no return calls to us it is very disrespectful and callous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 had mailed a letter to Transunion back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Transunion to check on the status to make sure they received letter about XXXX weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.

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 2018-04-13
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company was retained by the original creditor and the original creditor failed to bill the health insurance company in a timely matter. This stemmed from an auto accident case. The original creditor waited over a year to bill the insurance company. The insurance information was provided at the time of service ( in XX/XX/XXXX ). They waited to bill me untilXX/XX/XXXX. I worked with the health insurance company and their Director tried to get the provider to file the claims so that it could be processed. However, because the provider waited over one year to file the claim, it caused the claim to be denied for timely filing. They are contracted with my insurance company and should have filed the claims in a timely manner. I had no idea that the provider hadn't submitted any of these claims and had to call them and ask them to submit the claim. They should not be allowed to submit claims at their leisure and then try to collect payment because they've failed to submit the claims in a timely fashion. I've tried to communicate this with the provider. I even leveraged the insurance company who tried to get them to submit the claims to at least have them processed and in their system. Providers should not be exempt from having to submit claims to insurance companies in a timely manner. I understand that they treat people with auto accident injuries and would rather collect rather sums of payment if the case settles or a judgement is awarded, however, not to process insurance information to try to jeopardize the patient 's financial situation is not fair.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$200.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for XXXX, XXXX, and Transunion is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.

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 2020-12-09
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: Personal information incorrect

Complaint:
my name is wrong and previous addresses are not mine this is the second attempt to correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: WA
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, addresses on file, name on file, nor did I authorize these companies to pull my credit.

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 2018-08-28
Company: DriveTime
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After the account was frozen, the balance is XXXX the money also was stolen. 
The reason why the bank refused to pay compensation was that the equipment I transferred was the same as the usual equipment, but the money was not transferred by me, and the account was frozen, so I could not transfer it myself. 
I asked if the investigation was wrong. The staff said that it was necessary to prove that the mobile phone had a virus! 
There is also a savings account, where money is stolen back and forth

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 2017-11-28
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: Old information reappears or never goes away

Complaint:
I have contacted Transunion numerous time by phone and via mail asking them to remove old outdated information that reappears on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/2021 I received an email from XXXX XXXXXXXX Personal Loans congratulating me on my purchase of XXXX XXXX XXXX. The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to XXXX XXXX, the line of credit approved was for {$1600.00}. I do not own an XXXX  or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX. 

I took action freezing all of my credit reports and filed a report with Equifax to dispute the inquiry. Equifax denied the dispute. Upon calling Equifax, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.

Company response to consumer: Closed with explanation