BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

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 2019-06-10
Company: Experian Information Solutions Inc.
State: CT
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 had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

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 2020-10-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it takes time but I submitted the letters on the XXXX  of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.

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 2020-05-28
Company: EQUIFAX, 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 status incorrect

Complaint:
Ive paid the balance to XXXX for my credit card with XXXX  XXXX  but they are reporting negatively on my Equifax report but reporting pays as agreed but in the negative accounts section. I need this corrected and report positively as I paid in full and closed the account at my request as I no longer wanted the charge card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: CT
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 had hard inquiries that were not made by me on my credit report. They were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no knowledge of these inquiries. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Shellpoint Partners, LLC
State: MA
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:
Shellpoint reporting 60 days late in XXXX. This was never late. 
The payment was made just was never transferred from previous mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was declined the opportunity to open a bank account as Chex Systems is reporting charge offs by several banks that is the result of Identity Theft. 

1. XXXX XX/XX/XXXX 2.XX/XX/XXXX XX/XX/XXXX 3XXXX 4.XX/XX/XXXXXXXX XX/XX/XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 XXXXXX/XX/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 2019-05-30
Company: First Data Corporation
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Beginning about 6-7 months ago, I have received at least 10 debt collections notices ( amounts ranging from {$17.00} - XXXX ) from a company claiming to be TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX, Georgia, for individual/on-going purchases made at XXXX XXXX, allegedly by me. With the exception of today, prior phone calls to TRS ( XXXX ) were automated and took me around in a circle. Upon receipt of the initial demand ( approx. {$40.00} ), I contacted XXXX ( who advised me that there was no activity on my account since 2017 ) and froze my account ( today I cancelled it ). Per info on the back of the collection notice, I emailed a dispute to TRS as these purchases were NOT made by me. TRS mailed me a " TRS Forgery/Identity Theft Declaration '' requesting my social security number, bank account numbers and photocopy of my state issued drivers license ( I did NOT fill out this form or give any information ). Today I contacted XXXX again, who verified that my account is closed and that there has been no action on my account since 2017. I also called TRS and was actually able to speak to a human being. The man told me I needed to dispute the charges and send in the theft declaration. I refused, telling him I made no such purchases. I demanded the name of the financial institution tied to the fraudulent checks being sent to XXXX in my name. He told me XXXX XXXX with the last four digits of the checking account being # XXXX. I called XXXX XXXX Fraud Unit, who confirmed that I do not have/nor have ever had a checking account or any type of account with their institution. The XXXX XXXX fraud investigator suggested I contact the Federal Trade Commission, who subsequently referred me to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

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 2019-05-30
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

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 2020-10-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i have XXXX XXXX card it was past due. the total limit of the card is {$700.00}. 
i have paid since XX/XX/2020. {$660.00} the balance still i have {$540.00} the total amount of late fees charged : {$380.00} total interest charged : {$160.00} Total interest paid : {$170.00} i can not use my card. it is closed but still charging the interest. for {$700.00} limit i have paid {$660.00}.

in this hard time it is unjust to take so much money from me. i tried to contact the company but no help. two times they hang up on me. please help me to close this account and stop the company charging too much money

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 2017-12-19
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a home loan for {$310000.00} in XXXX. I have received documents from XXXX XXXX XXXX XXXX XXXX in California apparently representing XXXX XXXX XXXX as a Trusee for an XXXX Master Participation Trust that look fraudulent and they have blacked out all the loans numbers which lead me to believe they are fraudulent. They claim the loan is now serviced by Caliber Home Loans but I have still not received an accurate payment history. I wrote the Attorneys the following letter and they have yet to reply. Hello XXXX, My name is XXXX XXXX and I filed a Chapter XXXX BK to protect my home on XXXX XXXX, XXXX, and an automatic stay is pending since it that date. The group of companies you represent filed a Notice of Default ( NOD ) three days later on XXXX XXXX, XXXX. I spoke with them and they said it was an error, that they were sorry, and that they would correct it immediately. It has still not been corrected and expunged from Title as agreed. Also, many of the documents you have filed in the BK are fraudulent, and the Loan Numbers have all been blacked out? I would like to know why? Also, your running totals are totally and absolutely wrong and I have requested a running total balance of payments accounting since the loan was originated in XXXX and am still waiting for it. I would also like to confirm with you that you are debt collectors attempting to collect a debt and therefore subject to the FDCPA. I attach these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There was a late payment of 30 days late on my CAPITAL ONE AUTO Financial XX/XX/2019. I had made the payment as I always do with the Capital One app and for some reason my payment didn't process as it stated that it did. I went into the branch and also called and showed the payment history and they stated they can't help me being it was a error with the app payment. They stated I was have to contact the credit bureau to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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 2020-07-24
Company: Collection Bureau of America Ltd.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBA - XXXX is reporting on my credit for XXXX XXXX XXXX XXXX and I looked them up, I have never done business with them nor did I have an account. I have had mixed file issues with my name and this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, our home loan service was sold from XXXX XXXX, operated by XXXX XXXX, XXXX. to LoanCare. We had been enrolled in a loan forbearance program while enrolled with XXXX XXXX due to the coronavirus global pandemic. This was initiated in XX/XX/2020 to expire XX/XX/2020. 
Upon transfer of our loan to LoanCare on XX/XX/2020, we received a letter dated XX/XX/2020 stating that our home loan was XXXX  months past due and was now delinquent. The letter was threatening debt collection, negative credit rating, and the possible loss of our home. There was no consideration or acknowledgement of our enrollment in the forbearance program, even though we had received confirmation of this enrollment through XXXX XXXX, XXXX. and LoanCare. 
In attempts to contact LoanCare customer service to express the concern regarding this threatening letter, I was told that there was nothing I could do because this was how they are communicating with all of their customers, even those on payment plans. However, this is a government-approved forbearance, so it is extremely unsettling, frustrating, unnerving, and angering to have our home and financial standing threatened in these unprecedented times. We were also told that we would continue to receive phone calls and letters with these continued threats of delinquency until payments resumed. The customer service representative implied that she had received MANY phone calls with this same complaint, but was unable to offer any other solutions. 
Our hands are tied at this moment and we are stuck with this company that seems to have no regard for their customers. I am also wary of how this company appears to be ignoring our forbearance and I am untrusting of whether or not they will attempt to follow through with their accusations of delinquency. If there was a way to transfer our loan, I would because the way this company is treating their customers is extremely poor practice and does not foster trust in their service, which should be paramount in our loan service provider.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The other day I received a job offer from my college to be a personal assistant. The scammer sent me a check that ended up being fake. After I pay the man bills the bank took the money out of my account, the money that was mine in the account and now I am left negative. The bank didnt want to help me recover the funds and now Im stuck with money to pay off and my bills to pay off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Account status incorrect

Complaint:
After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX XXXX Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( Transunion ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus

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 2017-12-19
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:
For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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:
For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXt and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, 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:
Equifax has reported fraudulent information in reference to my credit history. XXXX XXXX XXXX ( credit card ) has myself listed on the credit card as an " authorized user ''. Equifax will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.

Company response to consumer: Closed with explanation