BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: WI
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 wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?

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 2022-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pulled my XXXX  credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with myXX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX  and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, 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 2023-08-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax had a breach of more than 143 million Americans personal information, including mine, earlier this month ( XX/XX/XXXX). To this date, I never been notified by the company that my information has been put at risk. The only reason I know about the breach is through news reports, and the only reason I know my information may be part of Equifax 's data breach is because I entered my SSN on their website as prompted to do so when trying to find out if I was affected and was informed I potentially was. I was then prompted to take steps to have Equifax send me an email to freeze my credit which has been nonexistent, like everything else with this company.
Last Saturday, XX/XX/XXXX, I contacted Equifax via email per instructions on their website to put a freeze on my credit and have yet to hear anything from the company. No email, no letter, no phone call. Nothing. I even contacted the company a second time this week ( XX/XX/XXXX) to no avail, which is completely unacceptable. If Equifax was trying to collect a payment from me, they would have no problem contacting me. Multiple times in a day, I am sure. But now that they comprised my personal information, putting my financial profile at risk, they are silent and I have no recourse? How can that be possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written multiple letters requesting validation of debts, removal of closed accounts and to stop reporting on accounts that are still in disputes. the response is always the debt has been verified without proof per the FCRA, closed accounts are still on my credit report and accounts that are still in dispute are still being reported on.

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 2017-09-25
Company: Big Picture Loans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was browsing the internet and came across a company Big picture Loans and I was in a financial burden I took out a small loan for XXXX $ and the company misled me and the interest rates were very high which was not stated initially and the payments dates were twice a month which is a tremendous inconvenience and placed me in more of a financial strain. Right now my balance is {$1100.00} which is outrageous can you please help me resolve this problem. This loan was given to me XXXX/2017. My account number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I attempted to obtain my bank history statements to use to comply with tax amendments from past years. 

While Bank of America ( BOA ) claims they provide Statements Available online up to the below amount of time, however, they failed to provide this online. 
Checking Statements XXXX years Savings Statements XXXX years Credit Card Monthly Statements XXXX years Credit Card Year-end Summary XXXX years BOA provides XXXX XXXX files for the past XXXX months only. Unfortunately that only gets me records to XX/XX/XXXX and that is insufficient for me to comply with completing my XXXX tax amendment. The part of the website that allows for past years to be provided fail to provide the documents in a useable format, only allowing Paper and PDF files from XXXX XXXX and failing to entirely let me request anything from Fall XXXX - XX/XX/XXXX. That is a big gap of information missing. Attention to this matter would be greatly appreciated. Additionally in the modern era it is critical that statement document be provided in electronic formats that are structured and organized such as XXXX XXXX files to be made available online.

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 2018-11-16
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am writing to file a complaint about an affiliate website with Chase, XXXX, and XXXX XXXX about their misleading information for the benefits of credit cards. 

I read an article on the site stating that I can get 33 free nights after I applied for the Chase IHG credit card. However, I found that the bonus was actually XXXX points, which were only enough to redeem for 4-5 free nights, far less than the 33 nights as they stated. The website has a bunch of articles like this. 

What concerns me is they are using misleading advertising in XXXX, and sending the users to the application pages in English. Some people may not read the English terms carefully and get the wrong information before they apply. I hope the banks and their affiliate can remove all misleading advertising. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Recovco Mortgage Management, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was cleared to close on XX/XX/2020. We finally were able to get the loan closed on XX/XX/2020 with a Right to Cancel deadline date of XX/XX/2020. Disbursement date of XX/XX/2020. 
On the day the loan was supposed to fund, the Lender informed me : There are some loans currently still in the funding queue with document dates in XXXX that they are pushing through. I understand the back log is frustrating and they are working through the loans as fast as they can. 

Meanwhile, my clients loan payoff and rate lock is only good until XXXX  XX/XX/XXXX. The Lender has still not informed me who will be paying the daily interest and any fees associated with them not funding the loan. 

Another issue is now that we've closed and we're past the 3 day Right of Rescission, we're stuck here and are unsure what actions we can take. 

These actions are going to create significant adverse actions on all the clients/borrowers they're closing loans for, this could include negative credit reporting and additional costs to the borrower. 

This Lender is still advertising the lowest rates in the wholesale market and they're not even able to maintain the obligations they currently have to the existing consumers. What actions can we take with this?

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 2023-05-16
Company: Convergent Resources, Inc.
State: IL
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognized. I reviewed. my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated reflect that the account is disputed and therefore a second validation letter was sent out on this day. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureau 's until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2020-07-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is not showing I have a credit report. So since XX/XX/2019 I have been sending my information so they can build a credit file for me. They still have not. Every time I call they tell me they have not received any of my information even though they have sent me letters regarding the information. They are refusing to do their jobs and are not giving me any explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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 status incorrect

Complaint:
A few years ago XXXX XXXX, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/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 non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, US DEPARTMENT OF EDUCATION these are hard inquiries on my report and I gave no one permission to pull my credit so I'm baffled of why I have any hard inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I requested a wire transfer from by Chase Bank account in the amount of {$7100.00} on XX/XX/21 to a XXXX XXXX  account that was supposed to belong to an end user that would be renting a new apartment to me. The money was withdrawn from my account on XX/XX/21, but I never received confirmation from the end user or supposedly XXXX that the request was made through. It turns out that the end user is a scammer and the apartment rental ad was made on a fake XXXX  site because the ad suddenly no longer exists. They made it seem real with icons, reviews, etc. It was originally found on XXXX, which no longer exists as well because that ad was also fake. The name of the correspondent was XXXX XXXX ( XXXX ) and the account holder name for the XXXX XXXX  account is XXXX XXXX  XXXX This person had initially refused to talk over the phone or meet in person so only email was used for communication. I read an article that someone using the same exact name XXXX XXXX XXXX XXXX had scammed someone in XXXX XXXX using the exact same tactics so this person should be stopped to avoid scamming others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NV
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 numerous accounts on my credit report that are not mine nor belongs to me. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TD BANK US HOLDING COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, TD BANK N.A. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation