BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT 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 2019-09-09
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A XXXX XXXX XXXX Report has been completed with no resolution or a response. Money Lion has had a troubled history with actions taken by VA & other  states. I signed up for the {$79.00} membership plan including {$29.00} + {$50.00} mandatory investment. The online message system is unacceptable. The contact forms online serve no purpose as every time, there is absolutely no resolution. You get non resolved emails. Additionally, Money Lion online does not match what is available on the PHONE APP and I do not have a smart phone. I have no idea my checking acct bal unless calling and no statements with the online account. No view of checking or investment accts. I have a review by XXXX XXXX and I need statements email to me by tomorrow. 
Additionally, money lion takes about 9 days to credit the money to the investment account. My loan # is XXXX. Checking XXXX XXXX acct XXXX. Additionally, they purposely hide their phone number of the New York Corporate Office - no one knows what their number is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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: Old information reappears or never goes away

Complaint:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: TN
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 A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT 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 2020-07-01
Company: OneMain Finance Corporation
State: NV
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:
Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I  have no power over them to require removal of these.I need your help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EXPERIAN XXXX. XXXX  XXXX XXXX TX XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # 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 2018-06-14
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was agreed upon a set amount to be paid to the creditors which i pay the same day we all had disused. The payment was made on the ( XX/XX/17 ) but this creditor refuse to remove it from my credit report even after sending letters, calling and asking them to remove this account as we all agreed on that they was going to remove it once i paid. I don't understand why they are doing this but is really stressing me out because, of the damage this is causing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both Equifax & XXXX in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to Equifax & XXXX in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told by the customer service agent, that if a made a payment of {$150.00} that I would not be marked for a 30 day past due ding on my credit report. I paid that amount and it was still reported on my credit as 30 days past due. As of now i am currently caught up on all payments to the current company. I also told them that we can set up automatic payments as well. I still recieved a 30 day past due mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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:
Ive disputed with the original creditor XXXX XXXX XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have multiple hard inquiries on my credit report that I do not recognize and are unauthorized. I have called TransUnion as well as sent a fax. Their response has been to get in touch with the company that originated the inquiry. When I have reached out to the company who has originated the inquiry the tell me to talk to the credit bureau. 
As you can imagine this is very frustrating. As you know hard inquiries are looked as a negative on a credit report and can cause me to get turned down for potential loans, credit, and mortgages. 
The following inquiries were not authorized by me : XXXX XXXX 12XX/XX/XXXX XXXX- XX/XX/ XXXX- XX/XX/ XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/

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 2018-02-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JPMorgan Chase keeps sending bogus letters with no information on them. They say they are working on the issue. I don't know what issue they are talking about since I have not contacted them. They assign a different executive specialist ever time. I called XXXX XXXX close to twenty times today. The executive specialist never answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Trident Asset Management, L.L.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This organization has purchased the debt at issue from XXXX XXXX. 

I have never done any business with XXXX XXXX or Trident Asset Management ( hereinafter TAM ).

I have informed Trident via reply to one of their notifications regarding this debt. I have informed both XXXX  XXXX and TAM that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement. 

Trident claims I opened an account online with XXXX XXXX. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and Trident will not receive one penny towards this false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing was transferred from XXXX  to XXXX XXXX. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX that were not reflected in the balance XXXX XXXX stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance XXXX XXXX said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by XXXX XXXX 's records reflecting my loan was transferred to XXXX XXXX on XX/XX/2019 instead of XX/XX/2019.

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 2018-02-02
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : 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 2018-02-02
Company: Equitable Acceptance Corp
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by Equitable Acceptance inXX/XX/XXXXXX/XX/2017. They told me that I may be able to qualify for student loan forgiveness plans. They explained to me what that was. That depending on my income, which they eventually received and some other information, they told me that my payments would be {$15.00} a month for 25 years. After the 25 years the remaining balance would be forgiven. They also informed me that these programs that were put in place by the Obama administration were going to be removed by President Trump.  They also informed me of their monthly fee of {$39.00} for 33 months, which totaled {$1300.00} financed. A couple weeks later I contacted the government and they informed me that I actually had no payment due and that such things they told me were untrue. I called Equitable Acceptance right away and they said someone would contact me, they did, and they said they would listen to the audios and get back to me. But no one has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it 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 2021-06-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to make an online deposit to my savings account and was not able to. I called customer service and was told the bank ( Chase XXXX closed my account and was not given a reason nor notice of the closing until my call. This occurred yesterday, XX/XX/XXXX, XXXX my balance in the savings account was {$13.00}, XXXX when the bank closed it. I called the bank and they refused to tell me why. I believe it was discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I have auto pay though my bank for my Capital One credit card payment to pay on the first of the month. The credit card company posts it every month after the due date almost two weeks after they received the payment and then charges me a late fee.my payment is due in the seventh today is the eleventh and still not posted. I will now get collection calls but they have the payment. I have tried to resolve either them they say its my bank, my bank says its them and I am the one stuck in the middle. 
Please advise Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2018-06-18
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been paying bill for several months and when I looked at my credit score,  Overton, Russell and Doer filed a credit complaint with one of the three credit reporting agencies. It said I owed XXXX $ which I do not owe. I received a letter ( attached ) that my insurance information had been hacked from XXXX XXXX. I called to notify Overton Russell and Doer ( ord ) but no one got back to me. My credit score went from XXXX to XXXX overnight. I need help with this communication snafuu. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: Waypoint Resource Group, LLC
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 reached out to this company many times to get this credit reporting corrected. I have noticed their is A company by the name of waypoint resource group reporting that I owe them A balance of XXXX on behalf of XXXX. I have never had XXXX service & I have never done any sort of business with way point resource group. I reached out to the company requested A copy of original contracts showing I entered an agreement with my signature. I have yet to recieve proof of owning this debt. Instead they have been reporting this misinformation for some time of my report. I've also tried reaching out to XXXX who information me because they sold the debt to this company they could not do anything about my concerns. I explained to them this was A fraud account and again I have never had XXXX nor have I entered a legal binding agreement with them nor way point resource group. Still they report this fraudulent account knowing it is misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Account Date Open XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Whenever a third party accesses your credit report, a notation referencing that action termed an " inquiry '' is made on your credit report. Unfortunately, the presence of inquiries may negatively impact your credit score. The more inquiries present, the faster your credit score may drop. 
Close XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017  XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX   XXXX via XXXXXX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017

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 2018-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
Due to experience gross negligence I have 90 inquiries on my Experian report on XX/XX/XXXX I was looking through my credit report on experian.com and found 90 inquiries and a whole bunch of accounts that don't belong to me I tried to dispute them but they refuse to dispute called customer service and all they did was stall tactics I called him at XXXXXXXX XXXX. On a Saturday the stall tactics are so frustrating that I had to come here

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