BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-02-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
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:
XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX This company ran a hard inquiry on my credit without my consent. This company contacted me through my current home loan servicer. After I called them to ask them about the refinance offers they had available, they on a recorded line told me that that this was not a hard pull on my credit and asked to do a soft pull in order to give me rates. They lied to my face on a recorded line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I have been calling all day at least 6 times. XXXX and XXXX and others hung up on me. I am trying to locate XXXX, XXXX statement. Citibank has no idea. I had to come home to give them account number. They still hang up on me.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Transunion and XXXX on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker

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 2019-05-13
Company: SYNCHRONY FINANCIAL
State: KY
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/2019 I received an email from XXXX XXXX stating that the company SYNCB/WALMART National Credit cards/Airlines had done a hard inquiry. I have NOT try to obtain and credit or loans in over a year and this was done without my permission. This mistake has put a blemish on my credit report and has totally terrified me that this has happened. Ive never gave any kind of permission for them to do this at all. Im asking for your help in getting this taken care of. I have not contacted any body about this issue in fear of what this is all about but I trust you all. 
Thank you for your time and consideration 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 2019-07-25
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXX  XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.

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 2021-03-24
Company: AMERIS BANCORP
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: Account status incorrect

Complaint:
My XXXX  credit report shows my auto loan as closed and transferred, this is incorrect. I disputed the matter with XXXX and have been informed that Ameris bank has updated my account to show as closed/ transferred or sold. I have been making my payments on time and would like Ameris bank to correct this matter by reporting accurate information about my auto loan to XXXX. XXXX credit dispute number is XXXX, and I received the results of my dispute today XX/XX/2021, which still shows inaccurate information. My auto loan originated with XXXX bank which they company named switched to Ameris bank. The old account that was with XXXX was changed to the new account number XXXX with Ameris bank. My auto loan with Ameris bank is opened, current and paid as agreed, I would like Ameris bank to correct my credit file with XXXX  to show as open, the original balance, current balance, how much is monthly payment and account status as pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: MA
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:
There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  AMERICAN EXPRESS 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I thank you XXXX XXXX for the XXXX dollar check but the truth be told XXXX isnt close to the amount of money I am out in this ordeal. I have waited a long time for this refund of losses. And I thought this wasnt going to prove this difficult. I waited until the date you all asked for in court and 10 months more and have a fraction of the money I feel is rightly owed to me and I would still ask you to please look at this again and please be fair with the refund. I thank you for what you have sent already but I would still want outside mitigation at this time even with the XXXX extra. I understand the economy is poor right know but I have been waiting 15 years for this. 
Please Thank You 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 2020-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates made racist remarks and told us that we couldn't prevent collection calls to cell phones before XXXX XXXX. They clearly hate members of special groups of people. They threatened to tear our lives apart by dragging us through the courts for debts that aren't even proven. They are threatening us over and over again. We fear they will retaliate against us. They are forcing us into bankruptcy. We have hired an attorney for the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: EQUIFAX, 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:
I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX - Opened XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX XXXX $ XXXX| XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ XXXX|

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: 1st Franklin Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I can not wholly blame XXXX for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX  conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me.

These are some painful and regretful errors. They are causing severe backlash from my mortga
ge provider. As a Veteran and a Gold Star member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-1st Franklin Financial Inquiry from XX/XX/XXXX 2-XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 6-1st Franklin Financial Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXXl Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX  23- XXXX XXXX Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did buy some items thru XXXX, I got I chase card obtain thru XXXX promotional, between XXXX XX/XX/18, I did return some items and XXXX XXXX to my in this card, Chase card start to sent to me bills to paid the amount credited by XXXX because I returned those items, Chase card insist to collect payment of this items amout. 

I sent via mail and fax 4 times in lapse of 14 months and Chase still don't revise my case and sent to me to collection agence ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2021, I sent a letter about inaccurate and unverifiable things on my credit report, and it has gone unanswered for over 60 days. I'm still waiting for a response. As a result of my disputes being ignored, I feel that I'm being taken advantage. My personal information was also impacted as a result of the Equifax data breach, and it may have ended up in the wrong hands. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: UNITED BANKSHARES, INC.
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:
Credit pull/inquiry not authorized. Pulled prior without authorization.

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 2020-02-23
Company: EQUIFAX, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
Equifax dropped my score 138 points due to 1 hard inquiry and {$670.00} added to one of my credit cards. I have excellent credit and the others only lowered my credit by 2 points! Equifax dropped my score from XXXX to XXXX! This is absolutely ridiculous and the hard inquiry was to buy a home! I have tried to file a dispute on their website and they throw me offline. I have called twice and they wouldn't acknowledge the score but kept telling me about 1 hard inquiry! I couldn't get anywhere with them nor would they let me file a complaint! Both other scoring models only dropped 2 points! Totally unfair and shouldn't be allowed to handle people 's credit scores! 18 years and 100 percent payments on time!! Equifax should be put out of business!!! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/XXXX Equifax ( equifax.com ) continues to refuse to provide a free annual credit report online from the official annual free report website : XXXX I never have a problem receiving my report from XXXX XXXX or XXXX. 

Equifax gives me the message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service P.O. XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is completely unacceptable. Equifax is requiring I pay to make copies of documents as well as postage & requiring I fill out a form and mail it to them. 

Also on the form they are requiring that I list my social security number and requiring I send a copy of my social security card. 

This is not appropriate & outrageous requirements. 

It is unsafe to send documents by mail with a full social security number printed on it. Apparently Equifax has not changed their security practices after they experienced a major hack & compromise of user data & confidential information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CNG HOLDINGS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity stolen in 2016. Police report filed. Contacted all companies to let them know I wasn't the one who made purchases. Now 3 years later I've turned over to a debt collection company. Never received any more correspondence from company. This was taken care of 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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:
This is an official grievance against Equifax situated in XXXX. XXXX XXXX XXXX, GA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EQUIFAX has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. 

This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.

Company response to consumer: Closed with explanation