BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: FL
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:
My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our Experian credit reports include the following new inquiry : XXXX XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " XXXX  '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with Experian, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX   credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone XXXX at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.

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 2020-05-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had opened an Account with chase bank. I recieved my debit card. And was trying to add funds to the Account. It would not let me..so I called chase bank and they told me I was cancelled because you guys called and told them I was a risk.. i have been having trouble with trying to get an Account because i had lost my job and have family tried to send me funds.. also have a inheritance in which I need to open 2 bank accounts to deposit these funds. I lost my job that should not be a reason for a bank or you to not allow me to open an account ... .I fell on hard times. I'm not a scammer nor am I a crook..and I can prove that this inheritance exists.. and I'm in serious trouble trying to pay off my debt.. this has been a nightmare for me and my Fience.. we are to be married soon but she is stuck in Georgia waiting for me to send her emergency funds from the inheritance.. which is stuck in court and waiting for me to give them Account information, I cant do that when you guys put me in a catastrophic situation.. I need help obviously, and its important that I receive this inheritance so I can pay off all my debts and start fresh.. thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past XXXX days, after I enter all my personal info at XXXX, the Transunion site displays a message that due to the XXXX breach Transunion can not process my request. That is the only XXXX of the XXXX companies from which I have not requested a free report within the past year. I 've been trying to access my report early in the morning CST, before too many are awake in the US, and have also tried in the afternoon and at night. 

XXXX. After a breach of this magnitude, there should be no charge by any of the XXXX companies to an individual requesting his/her own credit report. 

XXXX. If Transunion can not handle the request volume, that message should be displayed at XXXX BEFORE we enter all our personal info. 

XXXX. We all need new identifiers to replace our SS # s!

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 2017-09-14
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I 've requested that Credit Karma correct how they are reporting some information on their site regarding XXXX accounts. They are reporting that XXXX XXXX accounts are deleted and on the same page they are still listing the accounts as mine as well as still reporting ... Which is it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: TX
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:
When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: OH
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:
ive disputed 14 times thru equifax trying to explain there the problem due to no information on my report as well as any creditor ive applied for credit has denied me due to equifax not supplying them my report yet after 5 calls to equifax theY still tell me its fine and theres no problem. when i sign in to there site to see my score and report its blank. ive disputed 14 times plus called as well as contacted your office which has not done anything either after 4 times attempting to get you to investigate to no avail. i willupload my screen shots of my blank reports that they replied saying i need to be specific about who and what im disputing. how can i be specific when there is not one name or balance nor creditor for mortgage, car, credit cards are even reported so How can i get this matter fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have transferred balances under a 0 % interest offer ( I have multiple due dates for these transfers ) with Barclay Card. I consistently pay far more than the monthly payment requested. These payments are always applied to the transfer that has the soonest due date under the 0 % interest rate. I had a balance that was due on XX/XX/2018 of {$530.00}. I submitted a payment of {$700.00} on XX/XX/2018 and a payment of {$250.00} on XX/XX/2018. When I reviewed my statement released on XX/XX/2018 it showed they applied those payments to amounts not due until XX/XX/2018 leaving a balance on the amount due for XX/XX/2018 of {$160.00} that will incure an extremely high interest charge. This has not been occuring with other payments in the past year which implies it was purposefully applied this way to create an interest due on this amount. I am contesting the legality of this since the response from Barclay Card is a consistent 'any amount paid above the minimum payment each month must be applied to your highest Annual Percentage Rate ( APR ) first, until each APR balance is paid. It does not specify that it must be applied to the APR balance that is expiring first. Therefore, any amount paid above the minimum payment may be  applied to either balance if they are at the same rate. ' Since all balances have the exact same interest rate and the precedent for ALL of the previous payments that were over the minimum payment were applied to the balance due first this statement was not applied until this balance due date. This is not an ethical or fair distribution of the amounts paid to this card for this promotion.

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 2018-04-05
Company: Convergent Resources, 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: Account information incorrect

Complaint:
Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans. 
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX   credit reporting agencies. I am still trying to understand how XXXX XXXX   was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

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 2019-07-22
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/XXXX XXXX XXXX XXXX XXXX sold debt that was listed and discharged on XX/XX/XXXX. bankruptcy XXXX. Finally, new tradeline now appearing on all credit reporting bureaus. TRANSWORLD SYSTEMS HAVE VIOLATED ALL CONSUMERS LAWS AS WELL AS AUTOMATIC STAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: FL
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 sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About two or three yrs ago. I have paid this company my loan and have paid it in full amount. Last and today XX/XX/18 I called XXXX XXXX XXXX XXXX at the near by store and the clerk told me that I have not paid my loan in full. I told them you have to call these number so I did XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ask collection why they have not cleared me out of their system that I have paid off my loan. The woman at the XXXX XXXX said it was not them that collected the money from me it was another collection agency that were handling my bill. 

I was told to call them. I told XXXX XXXX XXXX that I have paid all the loan. why cant they clear me out of their system. 

XXXX XXXX consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from Transunion and XXXX  on this matter

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 2018-10-05
Company: Financial Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of Financial Recovery Services , Inc. XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). Financial Recovery Services , Inc. lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was looking at my account credit report and see that i had things that i no knowledge of and i it had to be a fraud

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 2018-10-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, its trying to collect on a credit card debt of more that 7 years. 
My clients number with them is XXXX Convergent account XXXX Creditor XXXX They have applied outrageous interest and charges to the original amount. 
I have asked to received and statement detailing charges, but have never received them. 
Also I understand this was charge of by the Original bank and I understand unless specified in the original contract ; they forfeit the right to charge handling or any interest after charge off.

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 2019-11-12
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: Information is missing that should be on the report

Complaint:
More than twenty ( 20 ) years ago, the Veterans Administration determined my XXXX to be XXXX and XXXX, XXXX XXXX   connected to my military XXXX XXXX experience. My purpose in contacting you is to object in the strongest possible terms the deceptive business practices of Experian that damage and harm all XXXX XXXX Veterans nationwide no matter where they are located. 

On one of the many screens displayed on Experians website, there is a simple fill-in the blanks form that calculates the all important debt-to-income ratios. While the form allows input for total debt, it does not allow a XXXX Veteran to enter tax free income. Instead, Experian calculations include a deduction for income taxes that are not due or paid, causing the Veterans personal income to be calculated as much as 30 % less than it actually is. The inaccurate ratio information causes a rippling negative affect throughout the Veterans entire personal credit file and ends with an undeserving lower credit score.  And my own Experian FICO Score is a typical example. This results in a diminished quality of life with unneeded stress and concern by those who dont deserve it at all. This injustice against XXXX Veterans by Experian must end. 

For example, my Experian credit file is extensive and covers 10 to 18 years of credit history. In my dozens of pages with financial accounts of every description, there is not a single derogatory comment and not a single late payment. My home mortgage account shows a twenty ( 20 ) year payment history which Experian describes as Exceptional. Other than my {$1300.00} monthly mortgage, I do not have any other debt against my {$4800.00} tax free monthly income. In fact, Experian describes ALL of my current debts to have an " Exceptional '' payment history. 

My long term relationship with XXXX and their credit cards provides access to my current XXXX  FICO Score through their excellent website. As of this date, my current XXXX FICO Score is XXXX. The President of my bank told me he never met anyone with a FICO Score above 800. 

Yet my current Experian FICO Score is XXXX based on the exact same credit file as XXXX. 

No credit bureau except Experian claims a derogatory Exceptional Installment Debt in the amount of {$120000.00} which is my first lien home mortgage. This is a custom home built for me in the beautiful XXXX  XXXX where I live. 
According to Experian, I am financially unqualified for the home mortgage Experian reports as Exceptional payment history for the last twenty ( 20 ) years - and I do not even qualify to rent a decent place to live. 

How stupid is that?

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 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Online wired {$50000.00} through Chase Bank to XXXX XXXX for investment in real estate. May have put down contact person, XXXX XXXX on the payee section instead of the memo section. Received message that needs to provide DOB for XXXX XXXX and transaction under OFAC investigation. Replied and attached escrow instruction to clarify payee to be XXXX XXXX and not XXXX XXXX. Provided phone number. Have been receiving the same automated message no matter why I sent them. Chase 's XXXX XXXX phone number provided in their message does not allow leaving messages nor connecting to any department or person. Called local branch Chase and they are not able to release the hold on the {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife passed away XX/XX/XXXX. I was unaware of this card carrying a balance and realized it when I pulled my credit to buy a home. I called to pay them and asked them to resolve it and they said they would fix it. They still have not fixed it. I called again XX/XX/XXXX and they said they have fixed it and they haven't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: Experian Information Solutions 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:
XXXX Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

XXXX has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by XXXX. 

I will be uploading my Experian report clearly showing these negative inaccuracies. I believe that XXXX is violating the FCRA and FACTA. 

I called Experian XX/XX/XXXX to dispute this information, so I know that XXXX got my dispute and Experian provided a report showing that the information came back as verified ( which is clearly inaccurate )

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 2017-09-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, I 'm a resident of XXXX XXXX, XXXX where we were effected by the Hurricane, I called Ditech Financial for a forbearance help which I believe it 's the Law and they refused to help, saying our county was not recognized as federally disaster area, Which is Totally false. Please help me as I am overwhelmed with Repaires and I could really use this forbearance help to catch up. 
You can contact me at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation