BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: MO
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 was asked by myself and XXXX card to remove XXXX hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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: First Federal Credit Control, 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:
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal credit control

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

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 2018-07-26
Company: EQUIFAX, INC.
State: SC
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 submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Do you have a contractual obligation with XXXX, XXXX, XXXX XXXX XXXX. Yes or No? If so show me the contract.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have provided information to XXXX and Experian regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my TransUnion report to XXXX and Experian to follow suit so that my credit report is the same across all XXXX credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to Experian and XXXX for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.

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 2020-09-03
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account with XXXX ( Account XXXX ) sometime in XX/XX/2019. They were increasing my rates and I no longer wanted to be affiliated with them. Previously, they used to pro-rate their charges but then they told me that they changed their policy ( without notifying me ) and now I will be forced to continue with them until the next billing date or I will still be liable for the charges. I explained to them that I wasn't made aware of this policy charge either via email or notified in any way. They said, its on their bill. But I did not receive any paper bills and on their online bills there was no mention about this policy change. I asked them to give me a prorated bill as this is what the policy was when I signed up with Spectrum but they proceeded to put that amount in collections and now are forcing me to pay that amount by putting a derogatory mark on my credit report. I was not contacted by the collection agency before they decided to report this to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Social Finance, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When we saw their TV add I called and was assigned a representative aproximatel0y XX/XX/2020, a Mr. XXXX XXXX.. After several calls back and forth he said he required certain disclosures and told me to email them to his private email address ( XXXX ), which I did. At some point he then referred me to his assistant XXXX XXXX collect " missing '' copies of what I sent. I sent them everything they requested including a " required '' {$450.00}. for an appraisal of my home. We complied. 

Three months later they claimed they were missing most of the documents I sent. XXXX then turned over the collection of my documents to Ms. XXXX witch I did. The final straw was and email form Ms. XXXX saying she lost my documents and Mr. XXXX stopped communicating with me. 

I emailed him back saying I was going to file a grievance with my crdit card company for a reversal if the {$450.00}. which I did. Now the credit card company reversed the charge, then reinstated it. I Believe we were duped by their incompetence and SOFI 's persecution of the collection of my {$450.00}. 

Our request was only for between $ XXXX..and {$100000.00}. on our home appraised at {$350000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
An account was opened under fraud-deceit, misleading terms. I went to Conn 's XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/20. I was asked to sign for credit check. I did not consent to a purchase and did not leave with any property. I was XXXX and did not know what I was signing. I am a XXXX  and do not have a job, nor any credit in my name for the same reason. On XX/XX/20 I called the XXXX County Police Department when I received a bill for something I did not receive. They went to Conn 's and confirmed that my signature was on file. The police officer advised that they could not file a police report, but suggested I contact the FTC and Consumer Finance to fight this bill for property not received and to fight this item on my credit report. Please help! I now have a bill for {$5000.00} for nothing received. ( {$1800.00} XXXX, {$870.00} for repair service agreement, {$99.00} for Internet secure ) + tax plus interest of {$1700.00}. I will also put an alert on my credit to prevent unauthorized purchases in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I sent {$1000.00}, Tk. XXXX ( fee {$4.00} ) via Remitly to my visiting brother in XXXX because of their competitive rate for up to {$1000.00}. My 1st attempt to send money was cancelled because my bank decline for verification. I chatted ( chat is open for transaction is progress ) with one of their rep who asked me to reinitiate transfer again, and I sent again. This time, I verified with my bank, and it was delivered on XX/XX/2020 via Remitlys agent bank XXXX  XXXX XXXX XXXX  to my brothers bank XXXX XXXX XXXX. However, XXXX agent bank XXXX recalled the funds on XX/XX/2020 stating it is a duplicate payment. According to my brother statement there is only one payment from me on XX/XX/2020. My brother, XXXX XXXX, received another Tk. XXXX on XX/XX/2020 from another sender name XXXX XXXX. However, Remitly agent XXXX or XXXX XXXX XXXX did not explain duplicate payment from me XXXX XXXX. 
I tried to contact Remitly on XX/XX/2020 but found that their email, phone and chat is NOT AVAILABLE due to COVID-19. This was suspicious to me that email too was unavailable. I replied to an email from Remitly on XX/XX/2020, stating the situation. I got an response that email is not available. 
Now, I have no choice but to report this to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2020-09-02
Company: Mediation Recovery Center
State: MI
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 contacted in mid XXXX from a place called Mediation Recovery ( MRC ) out of XXXX, Il. They claimed I owed a debt to " XXXX XXXX Hospital. '' I said that there is no place by this name I am aware of and I need more information. They said they are sending it via mail. The letter I received from them was dated XX/XX/13 and named the creditor as " XXXX XXXX. '' Again I called to find out who this creditor is, as I have never heard of " XXXX XXXX. '' They told me they would look into it and call me back with that information. 
I received no follow up call until XX/XX/XXXX, and again they insisted the creditor is " XXXX XXXX. '' I asked for verification of this creditor including name and address. They told me they could not provide this. I then insisted again and was provided the phone number of a community service organization that is not operating and that was not a medical facility. I called back to get more information and was told they would not be able to give me information about the creditor. 
I checked all three of my credit reports for this debt and found nothing on my report regarding a debt owed to XXXX XXXX or from MRC. I did find that in XXXX, MRC had viewed my credit report. I called back to MRC to find out who to direct my lawyer to at their company and they told me " we will get them to the correct department if they call. '' They continued to decline to provide the department or any further information for my lawyer. 
I made a complaint on XXXX  and found on consumerfinance.gov that they are supposed to give me specific information about the creditor. I called back again and asked for that information. This time they were rude and yelled at me that I had " disputed this debt and it was closed '' and that I should know that. 

Several complaints on XXXX  sound similar to mine, and it seems as though this company is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2020 I received a call from tjxrewards mastercard asking me if I made an {$8200.00} purchase. I said no that's a fraudulent charge. As I was on the phone they asked me if I made a {$400.00} charge. I believe I was on the phone still talking to the operator when a criminal was using my card. The {$8200.00} charge was from a company named XXXX who I don't believe I've ever done business with them an definitely didn't make the charges to and told the operator I believe the day the charges where made that they were fraudulent. The {$400.00} charge was fraudulent too. They have it in my last billing statement PAY.XXXX  PA. I believe it was under another company back in XXXX, but that's what's on my billing statement. The operator immediately told me she was going to block the charges. I was fine, no harm no foul, until I just found the old email of a denial to reimburse me. They said in the denial letter that I profited off the transaction and I knew about it. That is a complete lie, and now tjxrewards mastercard is trying to make me pay for 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 monetary relief
Consumer complaint received 2021-08-10
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I try to create an online account to be able to pay, look at options, budget, and ultimately keep track of it wont allow me or say there are no loans attached to my name I have emailed IT multiple times and have called the branch a million times but still NO ACCOUNT Im not gon na pay until this is fixed Im tired of being runaround and still after 4 months HAVE NO ONLINE ACCOUNT TO MANAGE MY LOAN ugh pics below after I log in ugh

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Existing credit card statements attempt to be transparent by generally indicating the following computation, " This unpaid balance will be paid in full in _____years by making the indicated minimum payment ''. 

This is partially helpful however a very simple additional statement which is obviously simple to add to the statement would be much more transparent ''. 

" Your most recent payment was $ _________. If this payment amount is continued the unpaid balance will be paid _______________. '' In my proposed addition and change to the transparency the credit card user will more fully understand that higher payment amounts than minimum will result in faster payoff and also lower payment amounts than minimum will result in slower payoffs including possibly " never '' getting paid off if the payment amount is less than the minimum payment ''.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: MI
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 several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please read identity theft report for fraudulent inquiries )

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 2021-08-10
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Please see a copy of my letter to Citi that has been attached. It is dated XX/XX/2019. As of XX/XX/2019, Citi has not responded. It has been five weeks, and Citi has ignored my 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 monetary relief