BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: Experian Information Solutions 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:
XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX   pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXXXXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T

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 2021-09-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed 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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2020-06-23
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The lender says that the borrower ( me ) can apply for a payment workout program to help recover from missed payments due to unemployment. The lender will tell the borrower what is the minimum payment required but when the borrower submits their request the lender denies the request with for the following reason : " Payment to income ratio exceeds hardship program thresholds ''. The lender will not disclose what the threshold is that must be met. I have made 3 attempts to sign up for the program, each time offering the requested minimum payment, and calculating my income based on three different models. Each time I am denied with the same denial statement but they refuse to tell me what the threshold is that I need to meet. 

All I want from the company is to make the minimum payment during my unemployment with a promise from me that I will return to normal payments when my income is restored. I have made 6 different attempts to accomplish this but each time the representative said that no one can tell me what the threshold is and no human can give an approval - only the computer program can grant an approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: TN
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/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently pregnant with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the equifax data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: JPMORGAN CHASE & CO.
State: IL
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 rewards from credit card

Complaint:
I received a referral offer to open a XXXX credit card in late XX/XX/XXXX/early XX/XX/2019 and accepted that offer thinking that it was for XXXX bonus points. The next day I realized that it was for 3 nights of XXXX points. I called into Chase letting them know that I didnt want that offer, but rather the XXXX points. The first representative told me to close that card and apply for a new card, which I did. I then called back a couple days later to check on that application and was then told it was denied because of the first application. I then asked the representative on XX/XX/2019 what I could do to still get the XXXX point offer and they instructed me to spend the {$5000.00} and then call back and have the bonus offer changed. I spent the {$5000.00} and then called back on XX/XX/XXXX to request the bonus offer be changed. It was at this time that I was told the Marriot offer does not have this return of premium on this card/offer and that they cant change the bonus offer. The escalation department listened to previous phone calls and agreed with what I have said but are not willing to change the bonus offer. 

I have spoken with XXXX ( ext. XXXX ) and XXXX ( ext. XXXX ) at the phone number of XXXX at Chase 's Executive Office. They reviewed the previous phone calls and agreed that the representative gave me wrong information and offered me XXXX bonus points for their error, which I appreciate but is not sufficient to me as I did what I was instructed to do to fix the problem but now Chase is not owning up to their own mistakes. I would not have accepted the initial offer if I was given the correct information. I greatly appreciate XXXX & XXXX 's efforts, but I don't think they are understanding the importance of the situation. 

Please contact me back by phone at ( XXXX ) XXXX and I authorize you to leave an in-depth voicemail or by email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Account information incorrect

Complaint:
I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.

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 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX   XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
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:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card account open with Huntington bank. I opened the account a little under 3 years ago as my first line of credit outside of student loans. With this they provided me with a {$4000.00} line of credit. This happened to be before i frequently checked my credit score so I am unsure what it was at this time. Considering I had not other credit line except for student loan debt I assume it was not that high. A few months after having the card my credit line was raised to {$8000.00} without a notification from them which was good with me. At this time I had a car loan and just got a full time job and was still in school. Through some time in work I had to take off time in classes and my student loans started needing paid. Since it was in multiple loans I decided to have them consolidated to make things easier. During this time I was advised to wait until the consolidation was finished. During this time my credit did take a hit but went back up higher then it was previously. Around the time my credit went back to its normal amount they lowered my credit limit to {$1600.00} due to me being a " risk. '' I was a little upset by this, but they let me know I could call to have it raised in a 6 month span. During all of this time I had never missed a payment on my credit card and other then the student loan issue had not blemishes on my record for unpaid bills. As of XX/XX/XXXX when I had last used the card they ran another report which showed my credit limit was very different from multiple other credit agencies. They did not notify me until XX/XX/2019 that my account was closed in XX/XX/XXXX. Due to this I was unable to redeem the 90,000+ points I had saved up which in their system every XXXX points is ~ {$1.00}. When I called their support their reasoning was that I am to much of a risk to leave it open and there is nothing they can do. I re-ran my credit score and it had went up. They said there is no way for me to reopen the card or redeem the points. Even after speaking to a supervisor they said that I would have to reapply in 6 months. I let them know I would be closing my checking account that I had also had with them for almost 10 years to make sure the bank nearest to me was ready for me close my account. Not understanding at all she said she would file a complaint on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
AD ASTRA SERVICES is violating federal law 15 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is in regards to my previous complaint to Key Bank. You denied my claim because I 'm a signer on my own checking account??? That makes absolutely no sense! Someone used my debit card without authorization and you 're unwilling to help me. Why? Because it 's going to take a little work on your part? 

Well, I went ahead and did most of the work for you. Just to review my previous complaint, I have {$5000.00} in unauthorized charges on my account from a XXXX. This company is illegal in the United States and to any U.S. citizens. Now, I went ahead and got in contact with XXXX to find out where my money is. It turns out that the " purchases '' on the debit card are actually deposits into a " brokerage '' account. I use quotes because it 's a sham. Now, I actually got them to give me the login info to the online account where my money is. It showed that it was all there. So, I told them I want to withdraw my money and they closed the account and wo n't give me anything back. I even told them that my card was used illegally. It does n't matter to them. They 're just in business to ripoff credit/debit cards. So, that is what has happened to my {$5000.00}. I just want it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with CFPB in April regarding a bankruptcy listed on my credit report for XXXX. When I called and wrote the bankruptcy court they had no info to give me regarding the bankruptcy. The bankruptcy court also sent a letter to me stating info isn’t given to credit bureaus. I challenged XXXX and told them per the debt collection laws they must make a full investigation of my Dispute. I requested XXXX disclose the names and phone numbers of who they spoke to at the bankruptcy court as the law require some them to get info directly from the furnished of that information. Instead I got a simple email response saying the investigation is complete. I never received it’s method of investigation. It never told me who it spoke to from where and when. This is in direct violation of the Fair Debt Collection Practices Act. I have informed them of this yet I still get no research, no names and no original furnished info. I’m demanding they send me the full names and numbers of the persons they have verified this with at the courthouse. Not no fictitious name like XXXX. XXXX is not an original furnished per the FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was told I owe {$2000.00} for a XXXX bill. I was even served court papers stating I was going to have my wages garnished. I only owe about {$1600.00} but since I was served court papers, they added about {$500.00} to my total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: UT
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-03-16
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received multiple letters from a company called XXXX XXXX , XXXX stating that I owe and outstanding balance of {$660.00} on behalf of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX XXXX. The XXXX XXXX XXXX  is located in XXXX XXXX, which I have never lived in, nor lived near. I have never opened an account with them in anyway ( savings, checking, credit, Auto ). I also ran a full credit check for all three credit systems and the supposed debt was not listed anywhere on the reports. 

I have attempted to contact XXXX XXXX, XXXX multiple times over the course of two weeks and can never reach anyone there. I only get dropped to an unknown voicemail asking to leave a message. There are zero options to get to a real person to actually try and correct this issue. 

All documentation has been held and is available for full disclosure if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I submitted dispute letters to XXXX, XXXX  and Transunion to delete inaccurate information from my credit report particularly a dismissed Bankruptcy showing on all 3 credit bureaus. XXXX and XXXX has responded saying they deleted it from my credit report while Transunion is refusing the same. Transunion has stated that they verified the bankruptcy and it is correct and belongs to me but i have yet to receive proof of that. I sent another dispute letter on XX/XX/2019 to Transunion to follow suit and delete like XXXX and XXXX  did but after being on the phone with them for an hour today and speaking to a supervisor I am being told that they will not process my most recent dispute because it's a duplicate. This needs to be deleted from my Transunion report because if the other 2 bureaus can't validate, how can Transunion and they use the same system.

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