BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-15
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:
XXXX XXXX XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/XXXX XXXX and ( XX/XX/XXXX ). I do NOT know what these are and they don't belong to me. i don't have any accounts with XXXX XXXX. I need these marks taken off my Trans Union report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XXXX XX/XX/2020 I got a notification from XXXX XXXX  that my credit was ran through a mortgage company. I google the inquiry and I believe is XXXX XXXX  I recently got my email hacked but my social was never attached to it. I would like to find out what information they received from whoever submitted the application. I have never provided my social to anyone other than two or three creditors in my lifetime. This was done unlawful and without my permission. I believe Transunion is the only creditor but I could be wrong.

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 2020-10-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I repeatedly am seeing updates on my Experian and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX  XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX first refinance and XX/XX/XXXX second refi by XXXX from XXXX Texas have caused me XXXX XXXX XXXX at the age of XXXX now by XXXX my deeds after they were notarized including but not limited to Grant deeds and trust deeds and they worked in concert with the banks and insurance companies. The notary XXXX XXXX confirmed this as well. I have all proof and certified stamped documents showing the fraud by all the attorneys involved down to the officer in control of currency that uncovered XXXX XXXX XXXX fraud and fraud upon the courts. There have been 2 Civil cases first was XXXX XXXX XXXX Civil case # XXXX and the second Civil case # XXXX where we had a XXXX dollar judgment in our favor that was awarded XX/XX/XXXX against XXXX XXXX XXXX   XXXX XXXX. Upon prevailing one of the attorneys got an unlawful stipulation to set aside for good cause and we lost the judgment. First lawsuit will show conflict of interest showing their attorney was handling the case which we had an attorney already and had no written concent or prior discussion with my son. Forensic report I have in possession will show Security fraud and lenders not paid ( investors wallstreet not paid ). There are more provacle forms of fraude done by the banks in concert with title and attorneys etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There are 2 charges on my credit card with this vendor which I am disputing. Not that anything will come out of it since this agency has been weakened and assault on taxpayers is allowed., but I will still give it a try.

I paid for 2 services with my Bloomingdales credit card. One in XXXX and the other in XXXX. The one in a XXXX was for an appraisal for a refinance. We were looking to refinance a property we were working on. The Bank we wanted to refi with notified us they were going out of business, like many banks in the secondary markets did during Covid. We had already approved Appraisal nation to conduct an appraisal for {$610.00} on our credit card. The appraisal never occurred and we definitely did not get refinanced. We filed a dispute with XXXX who is the issuer of the card. They at first provided full credit of {$610.00}. In XXXX the company appraisal nation provided a credit of {$440.00}. The company charged back the {$610.00} on XX/XX/XXXX. When I told them I had not received a full credit, they refused to credit my account back in full. I am short {$170.00} because they claim the vendor said I cancelled the appraisal. 

The second is for XXXX XXXX XXXX XXXX. We paid the balance on a work on this same project in the sum of {$1000.00}. This vendor never performed the full work and refused to perform the work according to functionality and CIty of XXXX standards. We had to pay 2 other vendors a total of {$1700.00} to get the airconditioning working so we may finally sell the house. The credit card issuer is refusing to dispute and hold the {$1000.00} charge as requested. 

I am not sure why the credit card companies are working as XXXX  XXXX  of debt for companies which they have no contract with. The contract us between the credit card holder and the vendor and the credit card company is a facillitator. Did the law change at some point? Why are citizens being subject to these assault from these companies?

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 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX, XXXX and Trans are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate 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 2019-03-26
Company: EQUIFAX, INC.
State: KY
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 and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX  : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : 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 2019-05-23
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a {$13000.00} item online and received an empty box. The credit card company is denying my dispute, claiming it was done on a 3rd party processor. My credit card company is Barclays, gold luxurycard.

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 2017-08-01
Company: Ditech Financial LLC
State: KY
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 have reached out to the company several times and asked that this information be removed from my credit. This account is current and my parents have taken over this account. It was not filed in a Chapter XXXX bankruptcy. It was filed in a Chapter XXXX and my parents took over the account and it is current.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Bread Financial 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: Account information incorrect

Complaint:
Accounts charging high interest Lowered my limit Excess charges not mine. 
Lenders/creditors have pulled credit without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but Equifax continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX 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 explanation
Consumer complaint received 2020-06-04
Company: Early Warning Services, LLC
State: VA
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 used my identity to open up the following accounts, and I never had these accounts. Because of this, my Early Warning Services and XXXX XXXX has a bad score for me. 

I never had : 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 2020-06-30
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Accounts charging high interest Lowered my limit Excess charges not mine. 
Lenders/creditors have pulled credit without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: WELLS FARGO & COMPANY
State: NV
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:
I dont remember tur date but I had had this credit card for years always on time I had set myself a goal to pay the account off so I had shred it the card and paid the entire thing off next thing I know I got a call stating I owed over {$1600.00} and i told them this was impossible since had paid off the card off and I told them I didn't even have a card for years now with them and they send me alot of charges that assure it was me when I told them that maybe someone got ahold of my credit card and used it for a long time with out my consent and they said that those charges where made from me when there where charged in california when I was here in XXXX and I had not gone to california in years also there where alot of XXXX and taxi charges when I had 2 veichles of my own not needing to use those services. Their response was telling me that those are my charges and wanted me to pay them the fill amount I even offered to pay them the total charges in a payment plan which was below {$500.00} which was the total charges someone used my credit card the other {$1100.00} was just intrest charges and late fees adding up to over {$1600.00} and they said no that I had to pay them for the full amount this is not fair since I didn't make these purchases. 

This account was opened XX/XX/XXXX and it was closed on XX/XX/XXXX over 11 years ago

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 2019-09-15
Company: EQUIFAX, INC.
State: WI
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:
XXXX, Equifax and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's  remove, they say will not do. Sent me nothing to substantiate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CFBP CASE # XXXX I am responding to the letter dated XX/XX/2019 from XXXX XXXX of Synchrony Bank. 


I her letter she stated that a new payment plan will take effect the following month ( XX/XX/2019 ). The new payment plan will be {$310.00} per month for 60 months for a principal balance of {$15000.00} at 5.99 % According to the attached amortization schedule ( please refer to the attachment ), the new payment is {$300.00}. There is a big difference between XXXXXXXX XXXX payment amount and my calculation. That is {$7.00} per month more Synchrony Bank is charging me. That is {$450.00} excess payment thru the life of the Loan. I will not accept the New Payment Plan Synchrony bank has been charging me {$390.00} per month at 5.99 % for {$20000.00} for 5 years. That monthly payment is also wrong. That actual monthly payment was {$380.00}. I was overcharged $ XXXXper month for the last 12 months. The total amount I over paid is {$210.00}. This is nothing but stealing, cheating by Synchrony Bank. 

I have filed my Complaint to the Office of Maryland Attorney General, Consumer Protection Division Office

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 2019-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 Capital One Bank mailed me a denial letter to inform me that my credit card application request can not be reviewed at this time because : based on the application information, income is insufficient for requested credit. 
Application ID : XXXX NOTE : I did not apply with this or any other bank in attempt to obtain any credit accounts whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Bread Financial 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: Account information incorrect

Complaint:
Children place has displayed wrong payment history and information on my credit report. Months have been paid and not paid on the history of the report that I have no ownership of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
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:
XXXX XXXX XXXX  has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation