BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
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:
On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Choice Recovery, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a credit alert that I had a new collection attempt on my credit report. The alert shows Choice Recovery Inc is attempting to collect a dental bill. I have no knowledge of this. I also did not receive any documentation related to the collection attempt. 

Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I have contacted Choice Recovery and have not heard back.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. Trans Union has disregarded my proof of XXXX XXXX XXXX  's violation of the law and refuses to remove this trade-line.

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 2020-02-25
Company: Experian Information Solutions Inc.
State: NV
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:
These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.

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 2020-02-25
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:
THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY 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 2019-05-13
Company: DHI Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went under contract on a home with a XXXX XXXX home on XX/XX/19. I applied for a loan and was prequalified through DHI Mortgage ( Company NMLS # XXXX, Branch NMLS # XXXX ), their lending company. 

I received a loan application about a month later, but my finances had changed. I informed the current loan officer, XXXX, NMLS # XXXX, that my current financial position is not the same. I have also informed XXXX XXXX, the sales representative. I have asked them both to update the loan application because I will not sign for a loan that I don't qualify for. I did the right thing and disclosed my current financial position. XXXX XXXXXXXX and DHI Mortgage are trying to force me to apply for a loan with incorrect information because based on the inaccurate information, I qualify for the loan. They will not update the information in question, and are telling me I have to withdraw from the contract and forfeit my $ XXXX earnest money. 

I have requested several times to have the loan application updated, and they keep telling me they will not update it because based on the old information I still qualify. I have explicitly stated that I am aware that misrepresenting finances on a mortgage application is mortgage fraud. They are refusing to update the information and refusing to refund my earnest money, because I'm unwilling to commit mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My husband and I have joint finances and have for 13 years. All financial accounts are in both our names. I wanted to apply for an American Express Platinum card, and when I did, I was offered XXXX membership rewards points. When my husband completed the same application, he was offered XXXX membership rewards points. When I called American Express, they refused to provide an answer as to why he was receiving better financial terms than I was, but insisted it wasn't sexism, and we overtly hostile to me when I suggested that it was. Opening the card in my husband 's name doesn't work, because certain benefits are unique to the cardholder, such as gold status at hotels, and I travel for work and he does not. For me to even be an authorized user that gets those benefits is another {$170.00} a year. 
This is unacceptable behavior, in which they will be able to claim their is some other made up reason for treating us differently, when the only difference between us as far as our finances is our gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, XXXX, and Transunion credit file. As of today I received a response from XXXX  and Transunion in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. XXXX  and Transunion both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition XXXX  or Transunion failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.

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 2022-11-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have presented transcripts, w-2 forms in person and I requested a XXXX form shipped from the irs to the headquarters of Fifth Third Banking before I had one sent to my home to bring in person The fraud department has been unreachable after Ive presented them everything they asked they decided to close my account, They requested irs to email them certain things when theyve explained that the irs doesnt email and expose information of sort They have maliciously held my money for 2 months with no communication..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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: Their investigation did not fix an error on your report

Complaint:
Remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX accounts that appear on my credit report that do not belong on my credit. These items are fragluent and need to be removed immediately. As well as, addresses and names that do not belong on my report. 

The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Also the only name that belongs on my credit report is : XXXX XXXX Please correct this information immediately, this is affecting my credit worthiness.

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 2019-05-13
Company: ID Analytics, 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:
SageStream had been refusing to send my fcra report! 

For a very long time! 

SageStream was hiding behind the excuse that they allegedly needed certain things re-sent by fax from me! 


Me & another person - we fixed a fax machine! 
We sent the fax that SageStream said to send! 

We got an error message saying that the fax machine on the other end - that is - SageStream 's fax machine - was turned off! 

Apparently - SageStream turned off their fax machine! 

Now - SageStream will - probably - use that as an excuse to still not send the fcra report that they were legally required to send!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I opened a loan with this company many years ago. I've written several letters asking for original agreement and also a history of payments. They have refused to send this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: UT
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:
I'm a victim of fraud and have effortlessly disputed the fraudulent credit card lines, phone numbers, and addresses on XXXX  and XXXX. I accessed them through XXXX and everything was a breeze. 
with two down, I've try to access my free Equifax credit report through XXXX but after submitting everything properly, am told that I can't can't access it online and need to have it mailed to me. No explanation. So I talked with a customer service rep, she confirmed that I can't get it for free but couldn't explain why. Oh well, guess I'll buy it, as I need to dispute these fraudulent problems to Equifax, as they showed up on my other two reports. 
I go to sign up online for the premier equifax complete package for at least a month, and am hit with a final verification process. They use current information on my credit report in the form of multiple choice questions. The problem is that Equifax 's website generated questions using what I have to assume is the fraudulent charges and information as verification questions, as the system doesn't know what's legit and what's not. 
I've now failed my verification questions for this reason and am locked out of being able to access my report online. My account seems to have been created using my personal information, but access to it was locked. Great. 
I call in to equifax customer service to get help, and after much time and a customer rep that spoke with a heavy accent, I ultimately failed the verification questions again. I don't know if I was misunderstanding the rep or if the questions were generated using fraudulent data on my report, again. Now I need to either call again in the morning ( as the department apparently closed after my call ), or submit documentation via mail. 
Are. you. kidding. me. 
I'm all for verification, clearly. My identity has been stolen by a family member ( my father and his new wife ) using my personal info, and I wish more security measures were in place to have prevented that. However, there need to be safety nets in place in the event that these situations happen! This can not be an isolated situation and it needs to be remedied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from XXXX and definitely I did not authorize this credit check. 

On XX/XX/XXXX I mailed a letter to Transunion ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/XXXX I received a letter back from Transunion saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report ''. 

I checked my credit report again today XX/XX/XXXX and saw that the credit inquiry is still on my report. Please 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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.

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 2020-02-25
Company: EQUIFAX, INC.
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:
fraduelnt account opened XX/XX/2011 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled a closed capital one credit card account with a collection agency. Capital one informed me that even though their collection agency collected and agreed to a settlement on their behalf, they would not update the closed tradeline to a XXXX  balance or settled for less than the original balance. They have updated the payment but have not cancelled the remaining debt and part of the settlement. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have CITI Bank oldest Credit Card ending XXXX Since XX/XX/XXXX and this account payment never late /past due. recently i request for Credit limit increase on XX/XX/XXXX and they use XX/XX/XXXX credit score XXXX during this credit card in past highest credit line was $ XXXX.according to recent credit report my on-time payment is 100 % and one account was delinquent due to enroll in modified mortgage program. They credit increase not approved base on ( 1 ) Serious delinquency. ( 2 ) Ratio of revolving balance to credit limit too high. BUT my delinquency account ( Mortgage account ) is current and good standing as of now and in order to lower balance to credit limit i request credit limit increase requested. so they use old score and negative account take into consideration BUT they do not consider that this account holder is charter member since XX/XX/XXXXand never late on this account they should increase limit as loyal and charter customer who has account 20 year and 11 month old.

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 2018-01-20
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2020-02-25
Company: EQUIFAX, INC.
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:
This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with explanation