BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
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:
After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ XXXX XXXX , PU .. A Balance of XXXX.. Opening date XX/XX/2019.  That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except Equifax ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received or returned a phone call on XX/XX/2020 at XXXX hours to/from credit management asking how would I like to take care if a XXXX $ bill place with them for collection before it was added to my credit report. I told them over the phone whatever information you have please send it in the mail and I would respond to a letter, Credit Management never mentioned over the phone that I can dispute the debt. So after the call, I sent a letter stating that I am disputing the debt, and asking for validation and verification. They said they  received the letter on XX/XX/2020. On XX/XX/2020 I receive a notification saying a new collection account has been added from them. I called the same day and asked about it and the said the sent a letter on XX/XX/2020 and I asked what did the letter say and they said it was system generated and could not tell me, and wait for a manager or sup to call me back by the COB tomorrow. I waited and I called back on XX/XX/2020 and was told that they dont know and its been 30 days and I didnt dispute so they added it to my report anyway and its going to stay there until I pay it, even after mentioning I never received anything in the mail. And they told me that I have to contact the original creditor to get details, so I did. I called XXXX XXXX on XX/XX/2020 XXXX hours, after being transferred they told me that I couldnt get any info on the account because I didnt know the security pin or question, and was redirected back to the collection agency that has all the information and details of the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased a new 2022 XXXX XXXX XXXX and financed through BMO Harris. We applied XXXX $ down with the dealer which brought our principal balance down too {$28000.00}. 

After I was enrolled with digital banking I noticed the principal balance was correctly reported to my credit, but not my account balance where I make payments. 

I reached out to the bank and spent well over an hour on the phone in which determined one system showed the correct balance, while the other system showed a 0 down payment balance. 
I worked with the representative and thought we had figured out the correct department to handle it. But there was no resolution while on the phone as they said this would take time. 

It has now been close to 3 months and the balance issue is not resolved.

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 2020-07-06
Company: Experian Information Solutions 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 trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

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 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

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 2018-02-06
Company: STATE FARM BANK, FSB
State: MD
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:
State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions 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:
Ive been a victim of identity of theft, accounts attached does not belong to 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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion disclosure report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2018-02-06
Company: I.C. System, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have 3 hard pulls and do not know who they are.

1. XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

2. XXXX XX/XX/XXXX - Pulled a hard pull on my credit without my consent.

3.XXXX XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

I also have 2 derogatory accounts that I have tried to resolve.

1. IC Systems XX/XX/XXXX 2. 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 explanation
Consumer complaint received 2020-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX my credit limit was taken away CHASE Freedom XXXX Card. I lost from them {$9000.00} in credit in 1 day. I always pay my balances on time 100 %. I was never late in payments. I have no charge-off accounts. I have 28+ year excellent credit history overall, and I was not using more than 35 % of the balance on the card. They based their decision on false information on my credit report which was removed on XX/XX/XXXX. 

Chase Freedom Visa Card XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have always lived in XXXX. I moved for a XXXX XXXX job to XXXX  in XXXX of 2019. I called everyone of my bills, lenders, etc to give forwarding moving address. I moved to XXXX  and had difficulty with receiving a bill from Capital one. I had already given them the forwarding address. I have other credit cards with capital one, since they have brought out many of my credit card companies. I received all of the bills except one. I called Capital one, and the woman on the phone went through every one of my accounts and could see that my new address had changed to XXXX XXXX XXXX XXXX, XXXX XXXX. On this particular account though the person who had changed the account from Capital one had changed the address to XXXX instead of XXXX. There is no certain address. The USPS did not deliver and sent it back to Capital one marking undeliverable address. It took until I called to find this out. They have the correct address on all my other accounts with them, they have my  phone number, old address which could have been forwarded to me. The woman on the phone assured me that it was their error, that my account had been marked with non payment for XX/XX/2019 and was charged a XXXX late fee. I basically had a fit. I told the lady that I would pay the XXXX XXXX payment, as well as XX/XX/2019 since I was on the phone with her, and the XXXX. XXXX late fee. I pay XXXX total and my account was current. She apologized and stated it was human error. I stated this better not be put on my credit report since I have never been late on any of their payments, I had changed my address and it was their fault for typing address incorrectly. she stated it would not be. I then later applied for credit and learned that it had indeed been reported as an XX/XX/2019 late payment. Now why would anyone pay a XXXX late fee for a XXXX charge. for a credit card that ive always paid on time. Its ridiculous. I will close this account when its resolved because it is bad business. They are falsely reporting and breaking FACRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and XXXX  showing as account to me / FTC violations not known to me best of my knowledge

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 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 Vehicle loan through Capital One. Car was totaled in an accident. After insurance balance on account was {$1400.00}, gap insurance was supposed to cover and did not. Started making payments to resolve account. Made all payments in full and Capital One turned over as a charge off when the account was paid. Now this has made my credit score drop almost 100 points and I now have a negative rating on my report. Disputed and all they did was update as paid. Did not remove the negative hit on my credit. Another dispute has been submitted and Capital One will not discuss account any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I called XXXX and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX XXXX reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX and Transunion are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, Transunion and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.

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 2019-03-08
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account opened with XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX for the amount of {$260.00} has no reason to be listed on my report. This is not a debt owed by me and I wish for it to be removed from my credit report for it is damaging score.

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 2023-07-13
Company: Experian Information Solutions Inc.
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2019-11-22
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: Personal information incorrect

Complaint:
Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed 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 2017-12-15
Company: LHM Financial
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Three days prior to the close of escrow ( XX/XX/XXXX ) it was disclosed to the buyer 's agent that the lender was denying funds for a loan that was for the purchase of a home. There was a XXXX provided to both parties on XX/XX/XXXX with no indication of trouble with the buyer qualifying for said loan. The buyer was prequalified, escrow was pending, and suddenly the buyer 's loan is denied with just three business days left prior to the close of escrow. These are examples of extremely poor business practices by XXXX XXXX

Company response to consumer: Closed with explanation