BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX  XXXX.XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , 'XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.

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: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report 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 explanation
Consumer complaint received 2019-03-26
Company: TCF NATIONAL BANK
State: IL
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:
UNAUTHORIZED INQUIRY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to Equifax still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently purchased a home through the VA. Everything was going okay with my home loan, and every now and then I was a few days late with my payment ( but I always made my payment and never had an issue ). I recently found out my home loan was sold to Selene finance, without my consent or knowledge. When I purchased my home, I researched who I was obtaining my loan through, and would have never in a million years went with a company such as Selene. Yet somehow I ended up with them, and since being switched to selene, they have reported me to my credit bureau for 5 months straight, literally ruining my credit ( they are the ONLY negative report I have on my credit ). So now I cant refinance to get away from them. They will not return any of my calls, other then the very first time I spoke with them about why they would continually report me to the credit bureau. I dont know what to do when this company continually does things like this which is preventing me from obtaining any other way out and away from them. The fact that this organization services VA loans is even more beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Asset Recovery Solutions, LLC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX and received the following private loans from XXXX XXXX XXXX : Received {$10000.00} on XX/XX/XXXX Sent back ( {$2700.00} ) on XX/XX/XXXX Sent back ( {$5600.00} ) on XX/XX/XXXX Received {$1500.00} on XX/XX/XXXX Total- {$3300.00} ( plus fees ) I made payments to XXXX each month consistently until the balance said {$0.00} due. XXXX changed to XXXX, which changed to XXXX, which change to XXXX. There is now a company called XXXX which apparently owns the debt and they have hired Asset Recovery Solutions to collect. A total of SEVEN companies have been involved in this debt. 

I received several calls and letters from Asset Recovery and explained to them over the phone that the loan, as far as I knew, was paid in full. I explained several times to Asset Recovery that I needed a full accounting of this loan, starting with the original loan amount and a complete listing of each payment made. 

The burden of proof lies with Asset Recovery Solutions, not with me. They are telling me that I owe a balance of {$1700.00} however when making monthly payments on the XXXX and/or XXXX  website I paid until the balance said {$0.00}. This company has changed names FOUR times since my loan inception. 

Asset Recovery has failed to follow through with my request that I receive a full accounting of my account. Now, they are " offering '' to settle my account for 60 % of the original amount. They have completely ignored my request to send me a full accounting of what I originally owed and each payment made, probably because it is too much work for them. If they think I owe them money, then they must PROVE TO ME that I owe it. 

Further, I believe my credit score has been negatively impacted due to the actions of Asset Recover and I will make a demand upon them that they reverse their erroneous reporting of my account immediately to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America decided to stop supporting the Constitution and the second Amendment by freezing credit to gun manufacturers. This has a negative impact on me and will increase the cost, decrease the availability of myself and other law abiding citizens from exercising their 2nd Amendment 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 explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: CT
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 paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XXXX XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with WF. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per Wells Fargo request I have opened disputes with the credit reporting agency and last night I received an e-mail from XXXX stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND SBA loan of XXXX that was supposed to close 3 weeks 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 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2019, CAPITAL ONE add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
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: Account information incorrect

Complaint:
My current XXXX shows on XX/XX/2019 is XXXX, which is 22 lower than last month ( XXXX ) score of XXXX ; I always get my FICO monthly provided to me by my bank. 

Please correct or advise me as needed, since even though I just check the current Annual Credit Report and none of the negative impacts or any recent hard inquiry was shown in that report. 

Thank you. 

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 explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: FL
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 an account that is showing charge off in my credit report XXXX XXXX XXXX I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with XXXX XXXX XXXX I dont understand why they continue to show that my account was charge off by them when the account was charge off by XXXX on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX 2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: HW Holding, 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:
Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I am not sure you can even help me. But in 2019 I opened an account with Care Credit. I used it for a while and once I had it paid off during Covid I didn't use it. I thought I was doing the right thing and honestly didn't think about them closing it. Well, my credit limit was almost up to {$3000.00}. They closed my account the end of XXXX, with no warning, no notice nothing. I realize they have that right, and it was probably mentioned in 2019. I honestly didn't think about it. They literally closed my account less than a week before I needed it. My daughters cat got sick during the night and we had to go to an emergency vet. As you can imagine it was costly. I thought my account was good, and we were denied. Anyway since they closed my account it has severely hurt my credit score. You know how it works so I don't have to explain it to you. But taking {$3000.00} credit off, it has snowballed. I had XXXX balance, no late payments, NOTHING against me. But them closing my account has hurt something I worked hard for. I was penalized for something I wasn't in complete control of. IF they would have sent a reminder, I would have used my card and kept it open. I'm just so frustrated. I haven't reached out to Care Credit or Synchrony because I haven't been able to find a way to contact them. Please help if you can, or maybe help prevent it from happening to someone else. Credit scores aren't a joke and people work hard to get them. A company like this shouldn't be able to hurt people like 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 2018-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this several times not only is this inaccurate Equifax has it twice on my credit file XXXX XXXX {$140.00}, no balance owed and listed twice XXXX XXXX {$750.00} unknown and no such debt owed, no validation is obtainable, remove Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a request via email and over the phone numerous times asking for my PMI ( mortgage insurance ) to be removed since my home value has risen high enough that my loan to value ration is at 80 %. Mr. Cooper insists that XXXX XXXX  will not allow loans to have PMI removal unless its 75 %, however I do not find that verbiage anywhere on XXXX XXXX or XXXX XXXX  sites. Neither do the loan terms indicate what the LTV ratio requirements are if a house happens to rise well above 80 % LTV. They even initially hinted that I could easily get it removed if my house gets appraised at a certain value and had me pay for that appraisal ( Serviced by their own third party partner ). Then they come back with a new number saying its actuallt 75 % LTV. I have email records with me screen shotting XXXX XXXX and XXXX XXXX  sites making my case clear that I should be allowed to submit an application to XXXX XXXX   for my PMI to be removed since my appraisal proves I have met the 80 % LTV

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX colo XXXX number XXXX XXXX or XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have several issues with my student loans that I have requested help for multiple times and have not had any correction to my account. 

First I consolidated my FFEL loans as instructed in the PSLF waiver. My qualifying payments are all now matching but my leftover not eligible payments were not shifted over to my consolidation loans. My origional loans have 24 not eligible payments and my consolidation loans show 0. This is a HUGE problem because I expect these 24 payments to count when the IDR waiver is applied to my loans this Fall - Fall starts next month -and my loans will have over 120 payment. If those 24 payments do not go onto my consolidation loans I will end up with " hanging loans '' and I have friends who had this happen during the beginning of the PSLF waiver, they complained and just this week received letters that the issue can not be corrected! I DO NOT want to have some of my loans forgiven and be left with my consolidation loans for another 2 years because of an administrative error. I have contacted FedLoan, Federal Student Aid, several ombudsmen and CFPB about this issue that should be simple to fix but it is not fixed and I am running out of time since the IDR waiver is starting next month and Fedloan accounts will be transferred to XXXX soon. 
Second during one of the times when I received random information instead of having my issue corrected I was told that 6 months of my 24 not eligible payments is from a " unenployment forbearance '' but my income is certified for this period of time so that does not make any sense- it seems that those 6 months should have been automatically corrected.

Please help me, I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
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 have never agreed to open a credit card named " SYNCB/XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX  XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.

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 2021-05-06
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This charge was taken off one credit bureau XXXX. The company radius global is a collection agency. Didnt remove it from the XXXX  or XXXX. It is not my debt. They have an address on all 3 bureaus that does not belong to me. Never lived there and they wont remove that either. Ive sent disputes on this. This is XXXX XXXX last 4 of account XXXX. Thank you for any help.

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