BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: SC
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 has an access on my personal information. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never taken out this XXXX XXXX account this is fraud remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I would Like to file complain against Transunion and XXXX which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is 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 2022-04-26
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items 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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

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 2017-07-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A person deposited {$200.00} dollars into my account via Quickpay service of Chase bank. ( Note : You do not have to confirm a payment from a person, funds show up in account ) * {$100.00} was the agreed upon from a person who bought an item from me online, via an online website service like XXXX. * The person sending it was a fraud, on XXXX XXXX, 2017. They were using someones account to pay for an item purchased from me. <P/>Chase bank freezes my account, b/c of an escalated claims case. <P/>So what happens here, is Chase determines to stop payment from all my autopayments from various credit cards. <P/>Various companies are going to take advantage of me because of the banks decision. -- -- -- -- -- My XXXX Card, i turned off autopayment.. and my grandmother called in to pay for the bill. What ends up happening, is they said " it was too late that you turned off your autopayment, b/c we billed the bank already.. '' Plus : " your grandmother must have gave us the wrong number of her bank account '' So they hit me twice, with {$27.00} dollar fees. {$54.00} in total. <P/>My gas card, I paid after they froze the account. Cumberland farms now wants {$25.00} fee, and the original cost of the gas. They only gave me a few days to pay it, or it goes to an agency they said. I have a payment pending, which is my electric bill, recently paid. I am a little worried they might not get their money. -- -- -- -- -- -- Being a customer of Chase was convenient, and it was working out fine with them. But they overabuse their power.. and I did not do anything illegal. It could have been anyone, as long as their account is opened to receive direct deposits. If someone just puts money into your account, and then disputes it later. They have the right to freeze your account. That power should be taken away from them. <P/>I am a poor man, on XXXX XXXX XXXX I have a very low income, and I am in debt. These fees, and the Banks decision to freeze my account, pending a claims case, was a harming emotional experience I never want to go through again. I had to work around the clock to try to fix this.. but they still win.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NC
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were DPEDXXXX - XXXX, DPEDXXXX  - XXXX, DPEDXXXX  - XXXX, DPEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NC
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:
In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TransferWise Ltd
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 XXXX Bank formerly Transferwise deactivated our business account for no reason or explanation. 

I have personally used wise for a few years and have had no issues up until this time. 

As we respected the service we decided to open up two business accounts for the purpose of acquiring property for a television series we are producing.

After de activating our account we immediately sent in all the required documentation, all updated from our Attorneys.

We have reached out to wise on a day to day basis for an update and have met all of their terms and conditions and have not found a reason why this is happening. They state on their web site we would receive some sort of update or notification within ten business days of the account being appealed, we are well past this date and still have not received any notice and they are holding over XXXX usd for no reason. Many people in our organization are counting on this money to survive and pay their bills. We have also lost a tremendous amount of money due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
i will have to make this the resolution box bc i messed up bc i had my son attatch my documents and show me how ... a nice resolution would be to forgive my loan after all the XXXX and hours upon hours of research and paying 3 different lawyers who just took our money and sat on our case from the very beggining of all this.. we had to actually hire one lawyer to sue another one to get our money back and then he took half of it ... my last lawyer had no clue what was going on even after having our paperwork in his office for a year claiming he was " combing '' through it ... .and esp ... after all your fraudulent paperwork and demeaning our family that way XXXX XXXX XXXX ... but since i know that will never happen ... im asking for the XX/XX/XXXX offer that we never was sent ... .we have been in our home since XX/XX/XXXX ... this is all my children know ... we would like nothing more than to be able to stay and afford it..the XX/XX/XXXX offer was perfect for us ... .your consideration of this would be greatly appreciated ... thank you for your 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 2021-02-20
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
When I took out this loan I was ok, i'm XXXX and on XXXX, things became worse with my XXXX, daily money problems and then became unable to pay anymore after making only 1 payment, now they are harrassing me daily by making 1-2 calls to me by the manager " XXXX '' XXXX I've warned her she is harrassing me and making my XXXX worse but she refuses to understand and keeps calling and is calling my references and i've told her to STOP harrassing me and anyone else, but she will not do it, I want this to stop immediately, I can not make these payments because of the high cost of everything now days, alot of things are changing for the worse and now my rent has increased, not by much, but i'm looking to move and it's impossible with how rent has changed. She needs to stop. I refuse to talk to her, someone needs to warn her she is harrassing me in everyway, mail, phone, all ways possible and it needs to STOP.

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 2022-01-10
Company: Tally Technologies
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up for an account with Tally after watching an ad on TV that said they can help with credit card repayment. I go through the process and every step of the way they say its a completely automatic program that reduces interest while paying down my credit cards with an easy to follow plan. 

Once I agree to their account credit line to start the process, and their additional annual fee of {$300.00}, I find out that my credit cards are not actually supported by their program at all and encounter multiple issues trying to get them linked. 

After contacting Tallys support team, they try to push off the blame onto their credit card processor and offer no further support on how I can get the platform to work as it was sold to me. Now I have a new credit line on my credit report that I wont be able to use without significant hassle that was sold to me under false pretenses.

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 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Today XX/XX/22 I bought a serve American Express card. I created an account put in my SSN and my ID. Then when I go to type in my card number it says " Oops Well, this is awkward. Were experiencing some technical difficulties, please try again in a moment. '' I can't register my card, which I need to do in order to put more money in it. Then I call their " 24 hour '' service only to get " helped '' with a useless robot. I then call again, but this time I ignore the options and sneak my way to call a human. When the human picks up I tell him my problem he just goes blank. There is a fake cracking/breathing sound to make it sound like his mic is not muted, but after 25 minutes I can assure he wasn't there and there were similar loops every 5 ish minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: ENOVA INTERNATIONAL, INC.
State: MS
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:
This tradeline was sold to an attorney for collection. The attorney collected the entire loan amount plus attorney fees. When I logged on to the original account it showed a balance owed still. I contacted them via chat and she stated they are no required to update the balance on their end and it is still a collectable loan ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Was not notified of investigation status or results

Complaint:
I have attempted to dispute the erroneous accounts with the credit bureaus, Equifax, XXXX, and XXXX but the credit bureaus have refused to respod. I have sent numerous attempts sent certified mail and the credit bureaus lack of response is a violation of the Fair Credit Reporting Act. I have attached the most recent letters as well as provided the certified mail receipt numbers to prove the credit bureaus have received the dispute letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My dispute was received by all three credit bureaus ( XXXX, XXXX, and Experian ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.

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 2022-01-10
Company: EQUIFAX, 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: LA
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:
THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXXI/ XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS 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 explanation