BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: NY
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:
During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was XXXX clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.

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 2020-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to get 2 items removed from my Equifax Credit report on six different occasions. One of the items is XXXX XXXX which is shown as a charge off account with a past due balance of {$2200.00} and the last reported date is XXXX XXXX. The second item XXXX XXXX XXXX which is as a charge off account with a past due balance of {$1000.00} and the last reported date is XX/XX/XXXX. 

These items have been disputed and I have asked for verification. Equifax continues to report these items which reflect as charge off accounts on my credit file. XXXX  and XXXX XXXX did remove these items after the dispute. In addition an official police report was filed in XXXX indicating someone had stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: NJ
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 {$0.00}, {$0.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, 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:
On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXX On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXXXXXX XXXX XXXX On the day of each inquiry, I was notified by XXXX and both XXXX and myself called XXXX to notify them that was not me the application was fraudulent. 

XXXX took the appropriate actions and notified XXXX, XXXX XXXX and Equifax. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - Equifax will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - XXXX helped during the initial dispute but now has no idea what to do. I asked them to notify Equifax that these two inquires are fraudulant and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Following up in regards to : PRIMARY CONSUMER PRODUCT AND ISSUE XXXX I did not have the opportunity for a rebuttle. I was hoping that case number can be re-opened so I can submit the documents I sent them over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Sequoia Financial Services
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Sequoia Financial Service. The Account Opened is Sequoia Financial Service Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$1900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a XXXX XXXX checking account at M & T bank XXXX branch on XX/XX/XXXX. I'd received an advertisement from M & T a few days before that which said I could qualify for {$300.00} if I opened a XXXX XXXX account and fulfilled certain conditions. I've attached this advertisement. The condition to fulfill for earning this bonus was to set up recurring direct deposits from an employer and receive at least {$500.00} in direct deposits within 90 days of account opening. I set up direct deposits from my employer and received a direct deposit of {$1500.00} from my employer XXXX XXXX XXXX  on XX/XX/XXXX. I received further direct deposit of {$2400.00} from the same employer after the 90 days, but had clearly received more than the required {$500.00} in direct deposits inside the first 90 days from account opening. The advertisement stated that the {$300.00} was to be paid out within 90 days of receiving {$500.00} in direct deposits, which should have been XX/XX/XXXX. I was never paid this money. I should mention here that there was another condition in the advertisement to be fulfilled, and that was I could not have received a bonus on an M & T personal checking account in the last twelve months counted from when I opened the account. I did receive such a bonus in XXXX on a different account, but the last bonus I received an an M & T personal checking account was on XX/XX/XXXX. XXXX while I opened this account on XX/XX/XXXX so more than twelve months had passed since the last bonus. So it's clear I was eligible for the bonus and met all conditions but was still not paid the {$300.00} on time. I also made doubly sure that the banker I opened the account with actually applied the promo code to my account. Not only did I give her the code verbally and see her put the code on the application, I actually emailed her the advertisement while she was opening the account so I may have proof that I presented the promo code while opening.

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 2020-05-13
Company: Risecredit, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have been harassed by the company. Mr. XXXX had contacted me and also went on some type of XXXX system and found names and numbers of family members I havent spoke to in years and called them about my debt. He has continued to harass myself and family members. He says I owe over {$4000.00} and I told him thats not true. I paid that loan. He threatened to have the sheriff department to come to my home and arrest me and then sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was used fraudulently to open a personal loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX account # XXXX balance {$11000.00} This account is fraud .MY identity was used fraudulently on XX/XX/XXXX to open this fraudulent account with XXXX  XXXX XXXX account # XXXX {$3600.00} this account is fraud.My identity was used fraudulently ON XX/XX/XXXX to open this fraudulent account with SEQUIUM ASSET SOLUTIONSaccount # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.

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 2017-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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 customer service

Complaint:
On XXXX XXXX, 2017 at XXXX XXXX CST, I called number XXXX and rep, XXXX, refused to transfer me to the Bank of America travel center. I was placed on hold for 12 minutes while XXXX probed, silently listened to me talk to my computer, and kept coming back saying we have no travel center. I could not get access via my Internet. I said this to XXXX. She agitated me. Then, I got transferred to a female specialist to help with my website and lack of access, who claimed they have no travel center only rewards. And, she said my phone was breaking up, that I was screaming at her, and to stop. Finally, after yelling at her that I felt like I was in the Twilight Zone, she gave me the travel center phone number XXXX, and sent me to, XXXX, in travel center took care of me and apologized. I do n't understand why these folks have to play with me and act dumb. I said " no '' to using my travel rewards 10 times. They claim they can not hear me unless I speak and use the correct tone of voice and verbiage. They act punitively toward me and it makes my phone transactions difficult and tiresome.

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 2021-02-05
Company: FIRST ADVANTAGE CORPORATION
State: KY
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: Public record information inaccurate

Complaint:
I gotten back my background check for XXXX XXXX. There is a XXXX  charge from Iowa in XXXX or XXXX but I've never lived no where but Kentucky and haven't been XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I promptly notified all 3 bureaus, all the creditors and sent them my ftc identity theft affidavit as well as police report and supporting evidence. 
XXXX  and XXXX fixed my report by blocking the fraudulent information. Equifax REFUSES to fix my credit report by blocking fraudulent accounts opened on identity theft. They told me i can pay them for a service to fix my credit. I am not paying them to make them follow the fcra. I have sent them it in certified mail, email and fax. They wont fix it and keep saying " they investigated and the account belongs to me '' which is extremely funny because when the creditors investigated, they deemed it fraud. I will be attaching the proof the equifax FALSELY claims it does investigations, how its a gross abuse of power and severe negligence under the fcra. 
I spent 22 hours fighting with them to get nowhere. The other 2 bureaus fixed it within 1 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: AR
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  KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX AND EXPERIAN, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND EXPERIAN STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.

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 2021-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of refinancing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
State: NY
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: NY
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-02-12
Company: Early Warning Services, LLC
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have a profile with XXXX app through XXXX ( XXXX ). Not sure what's the password. I contacted XXXX CS todayXX/XX/XXXXand they requested me the last 3 digits on back the card. I provided it to them but they sad it's invalid, of course, because XXXX has been replaced my card. The representative said I have to contact XXXX to provide me the last 3 digits of the old card. I don't need to say XXXX CS said it's insane nobody stored old information due to security. It's ok so I enrolled in XXXX using XXXX but I never get a password for, I requested reset password on the app and said the account has been locked. I contacted the XXXX CS again and they said my personal information 3 digits back of card and zip code doesn't match with XXXX information. Which is not true I have all my profile open on my side.Very complicate XXXX CS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was illegally foreclosed on by NationStar Mortgage. Prior to the foreclosure NationStar made numerous errors. These errors were brought to light by the memorandum of understanding dated XX/XX/XXXX by the DOJ and the United States Trustee. Our loan was transferred to NationStar in XXXX by XXXX XXXX XXXX. Prior to the transfer to NationStar my Wife and I applied for save your home California.The monies we disbursed to save our home and they collected the funds and still foreclosed on our home. 

There is definitely fraud going on here! 

Please Help Us! 






Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Credit Central Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My report from transunion only shows satisfactory information but is reporting a collections account to creditors. Info doesn't match the report they show me. In addition I am not able to log the dispute online because while they can see the collections on the back end, it is not available for me to see and dispute. I also have letter from original creditor stating balance was paid ( it was sent to collections in error see letter attached collection agency is XXXX XXXX XXXX ) I was repeatedly transferred between their offline, online, and special handling department speaking with multiple supervisors and no resolution provided just more transfers. I am actively seeking a mortgage and funding and this is negatively impacting me in a serious way. I have followed all steps they have asked me to try and there is still no resolve to remove this inaccurate matter. I have also attached a copy of the Transunion report which shows no collections history.

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