BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: HireRight Solutions, Inc.
State: IN
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:
HireRight LLC, consumer reporting agency must correct, or delete inaccurate, incomplete or unverifiable information, must be removed or corrected within 30 days. The agency didn't request documents I didn't receive documents related to the reporting, police reports, Accident reports, all reports on file, and remove all negative information that is seven years old. HireRight reporting agency is giving fraudulent information without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: AZ
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:
The following XXXX XXXX XXXX MasterCard account ending in # XXXX is a fraudulent account. I never applied for a credit card account with XXXX XXXX XXXX XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me. I did not apply for the account. I am a victim of identity theft and someone else impersonating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: MS
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:
This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.

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 2020-06-23
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: Information belongs to someone else

Complaint:
SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRASs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
- I contacted Bank of America 's ( BOA ) mortgage customer service on the XXXX number on XX/XX/2020, at XXXX XXXX - Spoke with representative XXXX - XXXX and I discussed COVID assistance options - After verifying my account she stated there was one option and that was a deferment - I agreed to enter in a deferment, XXXX stated " the 3- months missed payments would be added to the end of my current mortgage. '' - I was instructed to watch the mail for written correspondence of my arrangements, also that I would receive a phone call from the mortgage department to update my COVID needs closer to the end of the deferment period of XX/XX/2020 - On XX/XX/2020, at XXXXXXXX XXXX, I received a call from XXXX of the mortgage division - XXXX stated " You are not eligible for deferment so you were entered into a forbearance. '' - I explained, I never agreed to a forbearance, in fact the only option discussed was deferment, which is what I entered in with representative, XXXX. 
- On XX/XX/2020, at XXXX XXXX I wrote the CEO of BOA, XXXX XXXX - On XX/XX/2020 at XXXX XXXX, I received an email from XXXX XXXX a resolutions specialist - I called Mr. XXXX on XX/XX/2020 at XXXX XXXX and again on XX/XX/2020 at XXXX XXXX, he returned my call XX/XX/2020 at XXXX XXXX - During the call he acknowledged that incorrect information was provided during my initial COVID assistance call, he states, FHA offers 4 options, we discussed those options and I communicated the options are not favorable and place my household in a further financial bind - I restated, that I was offered deferment not forbearance of my loan. I communicated had those options been disclosed, I still would not have opted for a forbearance of my mortgage - I expressed that I planned to escalate my complaint, and that I felt this was a bait and switch situation - I question, where were those guideline during my call in XXXX? XXXX, never mentioned anything about my loan type affecting my COIVD options. 
- Mr. XXXX states, this is out of BOA 's control they must follow FHA loan guidelines. 
- We plan to touch based on either Friday, XX/XX/XXXX or early the following week - I contacted FHA 's resource line XX/XX/2020 at XXXX XXXX, spoke with XXXX - XXXX states BOA is the lender/servicer and FHA only provides loan guidelines - The HUD website ( https : //www.hud.gov/sites/dfiles/SFH/documents/COVID-19HomeownerHelp.pdf ) tells mortgage holders to contact the mortgage company or servicer, yet they are providing false information which further impacts the finances of millions of Americans

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 2021-10-13
Company: U.S. BANCORP
State: NV
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my US Bank account corrected with XXXX only. The accou nt was corrected with XXXX, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with US Bank.

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 2020-06-23
Company: Franklin Collection Service, 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: Account status incorrect

Complaint:
I made a payment to Franklin Collections XXXX on XX/XX/2020 of a settled balance of {$430.00}. They marked it paid in full, but never closed the account and deleted it like it should have been. This is still hurting my credit tremendously, and I wish for it to be removed since I settled the debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I had XXXX XXXX and XXXX, The XXXX XXXX XXXX  credit card I had with a balance of {$300.00} was charged of due to unable to pay which appeared on credit report. In XXXX I paid collection agency {$360.00} which was {$62.00} more than original balance on a charged off account to help me recover from my misfortune and health. The bank changed collection agencies and I was charged {$420.00} in late fees that have went into collections on XX/XX/XXXX from an account that was closed and charged off from XXXX I am XXXX and have neurological problems but this seems crazy and illegal to go after me 3 years later for late fees on an account that is already charged off on my XXXX and XXXX report. How can I have a collection and a charge off Trying to build my credit back up and from 3 years a collection account shows up for late fees not even the original amount of card this is not right both of these accounts from XXXX XXXX XXXX should be removed now this is fraud and harmful. Im sorry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received Certified Mail from Synchrony Bank, on behalf of Lowe 's,  saying I had a past due balance of $ XXXX on a Lowe 's Credit Card account that I never opened. Rather than calling the number on the document that was sent to me in the mail, I called the customer service number on the Lowe 's HQ website, and was directed through their system to the fraud department. They claimed that an account was opened in my name in XXXX, and that they closed it while on the phone with me once it was reported as fraudulent. They were not able to provide me a Confirmation Number, but said that I should receive a letter in the mail confirming the above on the next 7-10 days. They said the account will be reported as fraudulent and will thus be deleted from my credit history, but to the best of my knowledge, that action has not yet been completed.

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 2018-10-25
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:
Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, Equifax and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX/XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXXXXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXXXX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions 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:
inaccurate information, no knowledge of accounts, ftc violations

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.

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 2018-10-25
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: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of XXXX recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.

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 2022-02-02
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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:
Recently, I was denied an extension of credit by Penn Federal Credit Union on XX/XX/2022. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Penn Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

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 2020-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I noticed a recent new CHASE Total Checking and Credit cards  account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute ftc violation

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 2021-10-13
Company: Experian Information Solutions 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:
XXXX XXXX Acct # listed as XXXX Opened XX/XX/2018 Opened by someone named XXXX XXXX XXXX. This is a fraudulent account- my name is XXXX XXXX XXXX . I have sent this company my information and they just sent back to Experian and XXXX that the account was sold. I have my Texas driver 's license showing my legal name, so I need this deleted from Experian, XXXX, and XXXX. The address they gave on file is not my current or former residence.

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 2017-12-22
Company: DISCOVER BANK
State: CA
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 Discover secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XX/XX/XXXXand XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
bank of america is harassing me and reporting incorrect information about a crdit card account that doesnt belong to me there were fraud charges and they allowed the card to remain open and be used after i otified them, they cotninue to add fees and charges that dont belong to nme and i have disputed this account for over a year now and they are doing nothing about it except harassing me with over a dozen phone calls a day when i also asked those to stop as well

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 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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