BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, TransUnion, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX is reporting a fraudulent account with XXXX XXXX XXXX is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX TransUnion is reporting XXXX XXXX reporting for 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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion continuing to display innacurrate employer on credit report. Same ole XXXX   from transunion. Lied again after saying they took care of problem.

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 2019-04-12
Company: ALLY FINANCIAL INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALLY WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, XXXX IN ERROR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Their investigation did not fix an error on your report

Complaint:
I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, XXXX XXXX Equifax, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to Equifax, XXXX XXXX XXXX ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
I have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$5900.00} is not mine however its still been fraudulently reporting on 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 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 obtained services/product from a person/company. paid thru Bank of America ( XXXX XXXX never received products or service. company/person are two different entitys. later looked up she has several fraudulent names and companies. she is a fraud and bank of america XXXX XXXX  ) refuses to refund my money. I am not working due to COVID

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 2017-10-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep

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 2020-04-25
Company: Experian Information Solutions 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : 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 2022-04-01
Company: EQUIFAX, INC.
State: SC
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 submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 was checking my credit report and saw some unauthorized and unvalidated inquiries on there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Optimum Outcomes, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt not validated within 30 days of debt validation letter being sent. Being contacted after letter stated not to if debt not verified within 30 days return receipt states date is XX/XX/XXXX letter sent in mail XXXX i recieved communication on yesterday XX/XX/XXXX which is outside of the 30 days. They made sure to put no date on the letter as they knew it was well past the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: SC
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 submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report shows inaccurate and unverified account information. I have reported the issue to Transunion on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. Transunion is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

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 2021-05-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance from Caliber Mortgage on XX/XX/XXXX. They dragged the application processing by asking for the documentations multiple times while every time provided as per request. Finally I received a mortgage commitment on XX/XX/XXXX for a 3.15 % ( expiring on XX/XX/XXXX ). I contacted the agent as for the closing and was told that is in the work. Finally a week later he comes with a quotes of 3.75 %. When asked what happened to the 3.15 &, he said that they weren't ready when they sent the commitment. 
He then followed by committing the rate to 3.375 % APR. 
When the final approval arrived, noticed a closing cost of about {$7900.00} ( on a {$430000.00} loan ) and while the approval was issued, They still very continuing the screening : Asking for Tax Document Release, Contacting Employer for Verification, Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: VALLEY NATIONAL BANCORP
State: NJ
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 was checking my credit report and saw some unauthorized and unvalidated inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: NJ
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 was checking my credit report and saw some unauthorized and unvalidated inquiries on 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 2017-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to freeze my account countless times with Equifax due to the breech of my informaiton. 
Everytime I enter the information for processing I receive a message that they can not process and to try again later. 
It is XXXX and I am still trying and still receive the same message. 
I see from research this is the same results other consumers are having when attempting to put a freeze on their account. 
Equifax needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx. 
I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I  went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Westlake Services, LLC
State: NJ
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 was checking my credit report and saw some unauthorized and unvalidated inquiries on there

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 2022-04-01
Company: Credit Plus Inc
State: NJ
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 was checking my credit report and saw some unauthorized and unvalidated inquiries on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect has been sending me collection notices in the amount of {$370.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: ND
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:
I previously submitted a complaint on XXXX, Experian, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXXXXXX, Experian, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate 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 2022-04-01
Company: CITIBANK, N.A.
State: NY
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:
I made a purchase online on XX/XX/XXXX and never got the product. I tried contacting the merchant but had no response and their website was no longer in service, this is obviously a scam/fraudulent website. I dispute the transaction with Citibank on XX/XX/XXXX and provided all the documents requested by mail, email and phone. I spoke to different representative and they either claims was not enough information or that they didnt receive it. Also said that they were going to escalate and file an appeal on my behalf. Meanwhile they tell me to call back in XXXX days to follow up which I do but then they said that I didnt give enough information. I am back and forth with Citibank and they clearly do not provide any help. Is XX/XX/2022 and now they claim I have to sign a letter to give them authorization to handle this dispute on my behalf. Im obviously giving them authorization since day XXXX that I file the dispute but now they want it in written? 
I never had these issues for a dispute before and the amount is {$82.00}. Im doing all the research, providing all the reference information and these people who seem very inept say that is not enough but fail to tell me what else is that is missing. Please investigate this issue with them, I cant believe this is happening and cant even imagine what will happen if is a larger amount that Im disputing.

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 monetary relief
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 no knowledge of this account ... 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 2017-10-26
Company: EQUIFAX, INC.
State: ND
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:
I previously submitted a complaint on XXXX, XXXX, and Equifax, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXX, XXXX, and Equifax are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was stolen on XX/XX/XXXX. Charges were made beginning at XXXX on XX/XX/XXXX. Over {$2200.00} on my chase credit card in 24hours. I never used this card before, it was my  emergency card, I used it only at the emergency XXXX clinic on XX/XX/XXXX. The vendors and my credit card company refused to give me any information about the IP address.. local law enforcement is too busy and refused to look in to my report. I would like to get the IP address of the fraudulent charger to prevent them from doing this again to anyone else. Why wo n't anyone listen to me?

Company response to consumer: Closed with explanation