BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.

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 2019-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
JP Morgan Chase erroneously charged me for end of lease. Even more I traded my XXXX XXXX XXXX XXXX in on a pull ahead program with XXXX XXXX at the dealer. No one at the dealer advised me of damage or the opportunity to have a pre inspection. Therefore I disputed this transaction immediately after receiving a XXXX statement. I heard nothing from them until XX/XX/XXXX which was a reduced bill for lease liability. I then sent another lease dispute letter for I wanted pictures and when I made a lease deal for my new XXXX   XXXX XXXX XXXX, the dealer stated this was a total deal and I took advantage of the manufacturer 's Pull Ahead Program. 

The monthly payments were to be absorbed and the excess wear and tear was not documented. Once again, I asked for pictures and did not receive them and on top of that I was told by XXXX XXXX that this was a clean all inclusive transaction. This is very shady. 

However, the most damaging thing is that it has been reported to my credit as I attempted to pre-qualify for a home. This is insane! 

I was on the phone with Chase and spoke to two reps and the credit counselor there and they said there is nothing I can do. They can not remove the credit ding even if I paid in full although I know I don't owe the money. 

I asked for a letter to show to the Mortgage company from Chase to show that this is in dispute and it has been reduced and still they won't help me. They said that I had to pay it in full to stay off my credit! What a hoax and an awful way to treat a current customer. 

Please aid me in this and I know Chase has had complaints. They provide no remedy or supervisor to speak to. Meanwhile I can not get a loan. 

Thank You! 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX and XXXX are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
On XX/XX/XXXX I received monitor alert for things that I have no knowledge for or have applied for. All three credit reports reflected XXXX XXXX XXXX with a date of fraud starting XX/XX/XXXX with a total fraudulent amount of {$5200.00} which is now being collected by a company called Fair Collections and Outsourcing. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX, XXXX, and XXXX   with dispute letters stating I reside in the state of Texas at my current address since XX/XX/XXXX. I do not live in Illinois. I sent my identification with my signature and my proof of address. I contacted them about fraudulent accounts being on my credit report as well as XXXX XXXX XXXX and Fair Collections and Outsourcing that someone obtained an apartment in my name and I wanted this unauthorized account to be deleted. As of XX/XX/XXXX the {$5200.00} is still reporting on my credit report. This has not been removed. I have proven this is not me and I am not getting any assistance to remove these fraudulent items from my credit reports which is hurting my credit.

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 2018-03-22
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express is still reporting TWO credit cards, a business and a personal credit card that I have already stated was opened fraudulently. I have spoken with their fraud team and they said they cancelled both cards, but I am STILL receiving bills from them. Furthermore, their were charges taken from my bank account making payments on the " XXXX XXXX '' that I did not authorize. I have already sent a copy of my police report, FTC affidavit ( listing BOTH fraud credit cards ) and sent them to the credit bureaus and they have stated they have sent them to American Express so they should be deleted by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, I sent disputes to XXXX, Experian, and XXXX   about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.

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 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and Transunion about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.

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 2019-04-18
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved the enclosed bill asked for verification/authorization to bill my insurance company To date I have recieved the requested information.The medical provider XXXX XXXX attempted to bill XXXX my insurance company for a service I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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:
I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my 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 2017-11-29
Company: EQUIFAX, 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:
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ;  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: ME
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:
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and Chase Home Finance. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Someone applied for credit with XXXX and TransUnion gave access to my credit history without my authorization on XXXX/XXXX/XXXX. XXXX approved the credit for whoever was applying. I called TransUnion, XXXX, and XXXX XXXX/XXXX/XXXX. They put fraud alerts on my accounts. Called XXXX customer service XXXX/XXXX/XXXX. They said yesterday that yes they gave approval for credit. They closed the account. No charges to the account thank XXXX. I talked to their fraud department and they are to investigate. I now have a hard inquiry on my credit history on XXXX/XXXX/XXXX from XXXX  that I did n't authorize. Would like to get it 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Nicholas Financial Inc.
State: MD
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:
To whom it may concern, I am writing to request information about the account NICHOLAS FINANCE COR on my credit report XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX XXXX XXXX {$570.00} Opened XX/XX/2018

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 2020-05-05
Company: Experian Information Solutions Inc.
State: NC
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 UN-Freeze my credit report in order to apply for my mortgage. 

Experian is the only bureau that I souls not complete this with. Experians system has locked me out and I can not access my account to unfreeze it. I have called more than 10 numbers with no help. I have mailed in the forms required to Un-Freeze my credit and it is still not working. 

Experian has no way available to reach a human via phone or email to resolve this problem. 

I need experian to UN-FREEZE my credit or I will lose the house.

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 2019-03-25
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a complete modification package to XXXX XXXX, XXXX on XX/XX/XXXX. I did not receive a denial letter until XX/XX/XXXX after receiving the notice of acceleration on XX/XX/XXXX ... the letter is dated XX/XX/XXXX with a fix by date of XX/XX/XXXX ... the sale date is scheduled for XX/XX/XXXX. I hired an attorney to help me before starting the process and I am still shocked that it happened this way. I am XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: STATE FARM BANK, FSB
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 am requesting that State Farm Bank remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by State Farm Bank. Please remove this fraudulent account immediately from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX I purchased an XXXX laptop from XXXX XXXX XXXX XXXX. The payment is due on the XXXX of each month for {$60.00}. The account has never been 30 days past due. I usually pay the bill around the XXXX of each month. 15 days past the due date. Starting on the day after the due date or the XXXX of each month they start calling, Today the XX/XX/XXXX they called my cell phone thirteen times. This is normal for Conns if its a day past due. I used my cell for work and can not be getting constant collection calls. It will be paid at the same time each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.

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 2017-11-29
Company: ALLY FINANCIAL INC.
State: GA
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 XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't 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 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.

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 2018-07-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was behind on my Best Buy credit card and it was referred to XXXX XXXX. I made arrangements through them to pay Citibank the owner of the card ( Note Citi still owns the debt ). This occurred in approximately XX/XX/2017. Payments were set up to be automatically drawn from my checking account and have been done so every month. Most months I have been paying OVER the minimum required. I had a difficult month and called XXXX XXXX and asked that my payment be changed from XXXX to the minimum of 80 something for 2 months - I was told that was fine and I would stay on track. Come to find out that starting with the second month BestBuy has been considering it late because the minimum must have gone up a few dollars and have been hitting me with late fees. According to a statement I just got the total has been {$100.00} I have placed phone calls to them and finally spoke with the Internal Recovery Dept who verified I have never missed a payment, that my payments are on time and are regulated through the XXXX XXXX. First they tried to tell me that the fees were from XXXX XXXX and I pointed out that they were from BEST BUY aka Citi I asked that the waive that past late fees and credit my account and they refused saying " It's too bad I was given faulty info by their agent ''

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