BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}

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 2017-09-18
Company: JPMORGAN CHASE & CO.
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:
I called JPMorgan Chase Bank on XX/XX/17 to ask them why they have accessed by credit file on X/XX/2017 and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ONEMAIN FINANCE CORPORATION
State: PA
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:
One XX/XX/XXXX, I spoke with XXXX XXXX of OneMain Financial about refinancing my existing loan account with his office. As someone with an impeccable payment history as a OneMain customer since XX/XX/XXXX, I had no reason to believe a " hard '' inquiry would be done into my XXXX  and XXXX  credit files nor did he make it clear to me that he was going to do so. In a recent review of my various credit reports, I noted that against my wishes and knowledge, on XX/XX/XXXX OneMain Financial did in fact make " hard '' inquiries into both of my files on XX/XX/XXXX. Earlier this week, I spoke with XXXX XXXX, my local OneMain Financial Branch Manager about this and he acknowledged the " misunderstanding '' and agreed to get the inquiries removed, once I faxed a formal request for this to his corporate offices, something I had already done several days before. When I called the corporate offices today, XX/XX/XXXX, to follow up on my request for deletion of the improper inquiries, I spoke with an extremely arrogant, condescending, bureaucrat of a woman who spoke very quickly and failed to provide her name to me clearly. While acknowledging that there had been numerous issues with OneMain branch offices giving out misleading information about " hard '' vs " soft '' inquiries to exsting OneMain customers, she stated that unless the inquiries were done fraudulently, OneMain was unwilling to delete them as a matter of corporate policy. Frankly, I know this is NOT the case as when I originally applied for my loan with OneMain Financial in XXXX of XXXX, numerous inquiries were made into my same credit files over two days and when I complained about this, the multiple inquiries were in fact deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
On XX/XX/2019 I filed a dispute with Capital One Bank about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( XXXX  ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( Capital One ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( XXXX  ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
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:
I was being charged overdraft fee on top of overdraft fee when I didn't even have one night from my account being in balance to the next day below. They gave me less than 24 hours and proceeded to charge me convince fees which I would like all back.

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 2021-05-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit acceptance is reporting on my account but have not validated the debt nor verified the debt belongs to me, Nor have they given proof nor shown proof of the original contract being signed with my signature, they are misleading and false Misrepresentation and Reporting inaccuracies on my credit report and harassing me with calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Equifax, XXXX  all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My debt was paid for by the hospital due to the financial hardship plan that I was approved for. I do not remember the exact date but the hospital XXXX medical approved me for it before they switched to XXXX hospital. Ive also went in and checked to see if this information was still correct and they said this should not be on my credit as well. I paid my sergeant bills as well so i do not know why this is stil on my 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 2023-06-22
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit repor

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 2021-05-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Back in XX/XX/2020 I realized that someone had stolen my identity and used Coinbase to steal {$15000.00} from my bank account. I tried reaching out to coinbase to have the money returned, but their answer was simply that the same IP address was used and that they were not responsible for the issue. I have sent paperwork proving I had identity theft situation and I have tried to resolve the issue with my bank as well. Coinbase is aware that fraud takes place on their platform and are more than OK letting crime take place on their network. I though, am not ok with this and want my money returned to me. Coinbase needs to be held accountable for what happens on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted my repayment certification ( income based ) last spring when XXXX sent me the information through email. I submitted my tax information the same as I have done for a few years. Then in XXXX of last year, I got a letter stating that I never completed my recertification and that I now owed monthly payments over {$850.00} a month. I immediately called to talk to customer service to rectify the issue and was told they never received the recertification. I went back through emails and found all the information that I had sent and told them I would send it all again immediately, stating I had NO idea if they don't receive it because I had no confirmation, even though my email showed it was sent and I mailed the tax info to the address provided. I also never receive anything other than the initial letter stating I need to recertify in XXXX, then an email that they received the online portion, and then the notice months later, XXXX, that it's not done. No other notice saying they never received the tax info. It has been the same process for years and I have never missed it. This time when I called back again they again told me there was nothing they could do and that they never received it. AND on top of that, they were now going to capitalize $ XXXX in interest. So now I am supposed to be paying interest on interest. I have XXXX children and I am self-employed, I will already be paying on these loans for the rest of my life with an interest rate that I can't get lowered to the standard of today and an additional $ XXXX that never should have been capitalized in the first place. I called several times over a few weeks and got a different story every time from a different customer service rep every time. I thought I was an anomaly until I started reading articles this winter that MANY people are being treated the same way. I didn't know there was even anywhere to make a complaint until this winter, which is why I am making it now and not last summer when this all happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXX  XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) DateXXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: American Financial Resources, Inc.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received our new property tax stmt for XXXX. On that was the still due for the remaining XXXX property taxes. XXXX County Treasurer has added on more interest & penalties. Total still due for XXXX is XXXX We owe XXXX to date interest & penalties due is XXXX We are not liable to pay the interest & penalties. If this balance does not get paid XXXX County Treasurer will continue to add interest & penalties. 
XXXX has sent in payments in the amount of XXXX, but that will be returned until the correct amount is paid. It needs to be paid in full. 
I have called, sent in this complaint to cfpb and sent an email complaint to American Financial Res. 
This is worrisome and very stressful for me. I take pride in paying my bills on time and for the correct amount. 
Please get this taken care of, my next complaint will be to the attorney general & XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the last few years the named company above has constantly called me and sent me collection notices for a XXXX XXXX XXXX who is a friends ' ex-husband. I have called them many times over the course of several years to tell them this person does not, and has not ever, lived with me and to cease their calls and letters. I just moved and once again these people are harrassing me for a debt that isn't even in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX 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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion has listed my credit score as XXXX out of XXXX. It is listed as " Fair '' credit out of the following categories : 1. Excellent 2. Very Good 3. Good 4. Fair 5. Poor I have 0 late payment history. I have 0 % credit utilization of existing credit line, which means I am not in debt with my credit card company. I had 100 % utilization, but my score was not changed significantly from 100 % to 0 % and in fact increased. So that was not the issue. I have only 1 hard inquiry.

The only category they rate me low in is with the number of accounts. This category is listed as having a " Low Impact '' on my score. Since the possible high score is XXXX and mine is XXXX, that is not a " Low Impact '' score, that is a very HIGH IMPACT. They can't explain it. They transferred me to three supervisors, one of which claimed I had more than one credit card account. I told them I didn't and he disagreed with me. I pushed the issue and he finally admitted I only had one and the other one was an auto loan that is in good standing. So they are not clear on their procedures and looking at data when they accused me of having more than one credit card. 

They also told me that they can not investigate. They have told me they can't give out information regarding the criteria affecting my score. Later a supervisor became frustrated and made up an answer as to why, but could not confirm it. They are giving me the run around. More than one rep has said they don't know exactly why, they only have assumptions. Guessing is not appropriate. It is illegal for the credit bureau to report information they can not verify, to merchants issuing credit. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with XXXX in XXXX for {$3000.00}, I have paid {$1600.00} in payments since and they say my balance is {$2400.00}. They say I am delinquent and they are going to take legal action against me if I dont pay in XXXX days. I got a statement in the mail from XXXX that is dated XXXX/XXXX/XXXX and it says I owe {$130.00} on XXXX/XXXX/XXXX. When I told the XXXX person on the phone about this they said they just send those out they dont really know if you have paid or not. I just paid {$220.00} on XXXX/XXXX/XXXX. They never give you your balance unless you ask for it and when you say why can you see your statements online or your balance they say it is under construction. Is this loan legal in Virginia? If it is why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : $ 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 non-monetary relief