BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: AL
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 and I am XXXX years old. In early XXXX, I opened my first checking account only to find out that my identity was stolen. The bank officer showed me a copy of my credit report from Equifax and I saw that my credit had been used since 2016. I called and talked to someone from Equifax and they asked me to send proof of my identity ( ie. social security card/driver 's license ) so I could get a copy of my credit report. I sent the information off the next day and it Is XX/XX/XXXX and I still have not heard from Equifax. I really would like to get a copy of my credit report so that I can start the next chapter of filing a police report for identity fraud and get this removed from my credit report because I am just starting out in life and would love to have a clean slate. I hope that you are able to help me with this endeavor. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
We fell behind on our car payments and explained to lienholder, Santander, rather than just getting current on the payments, we would pay off the loan in total on XX/XX/2014. And we did. 

Las year we discovered Santander reported to XXXX our account had a remaining balance of {$4400.00} that was " charged off as bad debt ''. Our account with Santander was NOT written off ; it was PAID off, in full. Santander did not have to write off any bad debt on our account we paid every penny owed. 

We have contacted Santander but it refuses to correct the misinformation reported, making it appear as though they had to write off over {$4400.00} as " bad debt '', hurting out credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
Dear TRANSUNION : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Account Name : XXXX - XXXX Account Number : 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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Collection - 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 did not consent to anyone to pull a hard credit report for any reaseon

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 2018-01-26
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 Fraud Department Check into Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute the following information that your company provided to Check into Cash. 

This item credit inquiry on credit reports is fraudulent because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Check into Cash have the item ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, 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 2019-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These listed Three listed accounts continue to show the wrong status & balance on my credit profile. I have contacted the credit bureau. 

XXXXXXXX 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 2019-07-02
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: Public record information inaccurate

Complaint:
Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX XXXX. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead.

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors.

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

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 2017-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became unemployed on XXXX XXXX. I contacted XXXX XXXX and was told to send in my unemployment approval award letter to e looked at for a unemployment forbearance. of Which I did. I never heard back from anyone! I called multiple times for status with no return calls. I then received a application for a Modification ( XXXX ). The letter gives me a specific person to contact XXXX XXXX with his direct line. I received one call on XXXX XXXX @ XXXX XXXX from XXXX XXXX I called back on XXXX/XXXX/XXXX @ XXXX XXXX pst. XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PSTXX/XX/XXXXXXXX XXXX PST, XXXX/XXXX/XXXX XXXXPST,  XXXX message says he will return within 48 hours. I received no call backs during this period. This is a RESPA violation. I finally got a call back on XXXX at XXXX XXXX PST. I called back the same day at XXXXPST. again on XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX XXXX PST, again on XXXX/XXXX/XXXX XXXX XXXX I can continue to list times and dates my point is there has been no reasonable timely calls back per RESPA this is mandatory. I faxed my mod application over on XXXX/XXXX/XXXX no calls back to go over this with me. I have again left numerous messages XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PST and so on and on and on!!!!!! I am now in jeopardy of losing my home and have had to seek a real estate agent to list my home on the market due to no response from my assigned Home Preservation Specialist XXXX XXXX. This is unacceptable and again in violation of RESPA. I have owned my home for 18 years now subject to losing it due to lack of response to my first request for unemployment forbearance and now lack of response to assist me with a workout option as the letter from wells fargo indicates.

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 2018-01-26
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:
I have disputed an existing XXXX XXXX account balance with Experian- ref number for Experian XXXX and they refuse to update my account to reflect a XXXX  balance. They have stated that they contacted XXXX XXXX ( account number XXXX ) and that the company verified the account. 

See below .... 

Credit Report dated XXXX XXXX, 2017. Your request was logged as case # XXXX and is now closed. 

We have completed the appropriate updates as a result of our investigation. We strongly recommend reviewing your updated credit report. Should you have additional items or questions, please submit a new dispute referencing your now closed case. 

XXXX XXXX XXXX  account information has been verified with the creditor/ supplier : Our request to disclose the name of the creditor has been declined at this 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 non-monetary relief
Consumer complaint received 2018-01-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a 0.0 % interest 6 month financing from American Express in XX/XX/XXXX. 

Every single bill since then I have had to call in because I am still being charged interest. I would call each agent at American Express and ask specifically WHAT AMOUNT DO I NEED TO PAY to keep my promotion and not be charged interest? They would tell me some story about some previous balance in XX/XX/XXXX ( although prior to this promotion I have ALWAYS paid my balance in full for the LAST SEVEN YEARS ). Each time I called the agents would tell me an amount I needed to pay to get rid of the balance that was being charged interest, so I would pay that amount plus more. The next bill comes in, and I'M STILL BEING CHARGED INTEREST for a 0.0 % financing promotion. None of my bills clearly stated the amounts I needed to pay to stop being charged interest so I kept paying more than the existing balance and more than the minimum. 
I tried to file a complaint with the agents at american express and no one has ever gotten back to me. I called again today and even the agents don't understand how I'm being charged interest or how the previous agents told me an amount that was not accurate to clear my bill. The latest story I received today was an agent " guessing '' that I was being charged interest because I signed up for their promotion in the middle of a billing cycle ... .again I AM THE CONSUMER how is it my job to decipher when I sign up for a promotion and how it affects my bill? If XXXX can not clearly and accurately bill me or tell me what I need to pay when I call, and I pay what they tell me to, this is not my fault. Clearly their system needs to be fixed. 

I find this a very misleading and unethical business practice, and if I am having this much of a problem that I need to call every month, I can only imagine how many thousands of other consumers american express is taking advantage of with their shady billing practices. 
They should not be allowed to advertise and have people sign up for a 0 % interest promotion and erroneously charge interest. If they are going to charge interest they need to be CLEAR AND PRECISE in their billing statements on the total amount that needs to be paid in order for interest not to be charged, because apparently every agent I called and spoke with had different ways of coming up with calculations and every time told me an incorrect amount. 

I don't have all of my past phone records but I do know that I contacted XXXX on XX/XX/XXXX and multiple times with various agents on XX/XX/XXXX which is also when I filed a complaint. And again today on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed the following information that " PORTFOLIOA RECOVERY ASSOCIATES '' had in my consumer file : PORTFOLIO RECOVERY ASSOCIATES XXXX The above-listed tradeline was properly deleted by their incidental my dispute of it. However, a third party alerted me that you reinserted the information on XXXX/XXXX/2021. This reinsertion has caused significant damage to my credit score. As a result of the reinsertion, my score has dropped, and I am very upset about this. I have waited patiently to hear from them about why this has occurred, but I have not. It is my understanding that under the FCRA, they should have notified me about this. Specifically, they should have notified me of this in writing within 5 business days. I patiently waited over 5 business days for an explanation from them with no luck. 
As a result of their failure to comply with the FCRAs requirements, I am XXXX. They have reinserted an inaccurate and incomplete tradeline on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2018-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Chase Sapphire Reserve Card ending in XXXX Claim # XXXX Initial claim filed on XX/XX/18 Claimed for lost deposits and costs involved due to XXXX XXXX flight cancellation that occurred on XX/XX/18 in the amount of {$380.00}. 
I have contacted them multiple times by both telephone and email, asking progress of claim. In one case they asked for further information which was provided. In each case after contact I was advised that I would be contacted. No followup and no progress ensued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at XXXX XXXX address XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: RUI Credit Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a letter from RUI collections. They said that I owed over {$9000.00} on an account that I never would have. I am a XXXX veteran and my wife through state handles the utilities. My wife collects XXXX including XXXX XXXX. This account is either fraud, part of identity theft, or at a minimum a mistake. I want collection activities to end immediately and company has called to threaten me with having my credit ruined!

Company response to consumer: Closed with explanation