BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
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 have inaccuracies on my credit report. I've sent verification letters on XX/XX/2020 and method of verification letters on XX/XX/2020 and their only response is updated. There is a clear error on my report stating that I am late 90 days and 120 late but the months before that its stating that I'm on time.

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 2020-11-21
Company: EQUIFAX, INC.
State: OK
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:
Unauthorized credit inquires on my XXXX  report. Ive contacted XXXX  and they refuse to do anything about this. 18 total inquiries on my report that were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. EVERYTHING THAT I AM TRYING TO ACCOMPLISH IS NOW AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE 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 explanation
Consumer complaint received 2023-08-05
Company: CBC Companies, 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 have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXXXXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please 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
Consumer complaint received 2020-09-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get this resolved for years now. I have retained a lawyer, I called the police and filed a report, I spoke with the company one time but they told me sense I retained council, neither the collection agency nor the original company were allowed to speak to me about the matter. This account or collection or whatever you want to call it was supposed to be taken off for fraud and misinformation years ago but they still have it on my report. I never had association with the charges they had put on my credit file years ago. Its simply not mine. I never received any kind of notification or letter from either company, i assume because the debt belongs to someone else, and they received all the notifications and letter a debt collector is supposed to send out. Again, I wish i had more answers but unfortunately I dont. It has been YEARS that this fraud collection was supposed to be removed. I dont know how its so easy to mess someones life up, and there are no consequences for the big bank companies that ruin those lives. This is a simple fix, but unfortunately over the last few years, Ive come to find out that it is never simple with credit. At this point, I dont know what else to do. I feel helpless and just need 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
Consumer complaint received 2020-12-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My complaint is simple. PayPal has no customer service support. The support phone number automatically hangs up on you. There is no way to directly contact a representative of Paypal. I have an issue with a money transfer and for 3 days I have been unable to contact any support people. I feel like a service that handles money should have a representative to handle problems with their service and my money. Paypal does not have this option. So they have my money and i have no way of talking to anyone, their online chat people cut and paste the same thing repeatedly even though I keep telling them it isn't helping they refuse to provide any contact information to directly contact Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Bread Financial Holdings, Inc.
State: TX
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:
On XXXX XXXX2017 someone used my name and social security number, to open an account with Comenity Bank/Wayfair card. credit limit {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2020 I, like many others, was financially impacted by the COVID-19 pandemic. I proactively reached out to BMW Financial to request a lease deferral. On XX/XX/2020 I received both verbal and written confirmation from BMW Financial Services that my lease would be deferred for the months of XXXX and XXXX and that the automatic recurring payment withdrawals linked to my checking account would be placed on hold until after the delay period. 

On XX/XX/XXXX I went to the purchase groceries and to my shock my card was declined. When I checked my account balance, I learned that BMW Financial used my previously stored checking account information that they had on file to withdraw the entire balance owed without any warning or my consent. This fraudulent withdrawal is in direct breach of their verbal and written agreements to defer my car payments for the months of XXXX and XXXX. This fraudulent charge has resulted in numerous overdrafts fees, bounced checks and has left me with no money for food, rent or utilities. 

I am disgusted that BMW Financial has breached their customer agreements and they continue to illegally access checking account to withdrawal money from people who are in dire economic situations and who have applied for and been granted payment deferral by BMW Financial. They are predators who are taking advantage of their customers in the middle of a pandemic. 
I am happy to provide copies of all correspondence with BMW Financial including two separate letters stating my payments would be deferred along with documentation that BMW Financial accessed my checking account and withdrew the funds without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently started taking more of an interest in my credit and I've noticed some fraudulent activity on my credit report. I've gone ahead and submitted a complaint with the FTC. These accounts are drastically affecting my credit report and they do not belong to me. Please remove them from my credit report. I have attached the report with the FTC regarding identity theft.

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 2018-07-16
Company: EQUIFAX, INC.
State: OH
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: Problem getting your free annual credit report

Complaint:
I ordered my free annual credit report from all three bureaus XX/XX/2018, received my XXXX and XXXX  reports but have yet to get my Equifax credit report. The FCRA states that a consumer is to receive their requested credit file no later than 15 days. I dont care if Equifax is having high volumes of equests because that is not my problem, its Equifax responsibility to provide me with a free copy of my credit file within 15 days of requesting it. They are breaking the law and in violation of FCRA, they are potentially ruining my credit by not providing me with my credit report because I have no knowledge of what is on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This administrative complaint is filed on behalf of the complainant by her advocate. The complainant has limited English proficiency. 



The complainant was a self-employed hair stylist for many years. The ongoing worldwide COVID-19 pandemic forced her to close her business. She was approved for a forbearance on her mortgage loan for XXXX through XXXX. XXXX, SN Servicing Corporation representative, told the borrower to apply to have the forbearance payments added to the back of the loan after XXXX. The borrower applied to have her forbearance payments added to the back of the loan, but XXXX was no longer available, instead she worked with XXXX. XXXX was short tempered and negligent in clearly explaining the forbearance options, provide investor information, or explain the borrowers right to authorize a third party. 



The borrower submitted multiple applications to add the forbearance payments to the back of the loan. Correspondence regarding the forbearance application was sent to the borrower in English. She did not understand why she was offered a repayment plan instead of adding the payments to the back of the loan. She tried to authorize her daughter, but XXXX repeatedly said no, without explaining that a third-party authorization form needed to be submitted. The borrower feels that XXXX actions were inconsiderate of her obvious language barrier. Additionally, instead of explaining why the forbearance payments were not added to the back of the loan, XXXX repeatedly told the borrower to submit a new application. The borrower lost count of how many times she applied before XXXX told her the investor of the loan wasnt willing to add the forbearance payments to the back of the loan. The borrower asked for the investor information. XXXX told her to re-apply so they can re-review her, instead of providing the investor information. The borrower re-applied. The investor refused to put the missed payments to the back of the loan again. 



Never once did XXXX, nor anyone at SN Servicing Corporation, explain to the borrower that not all mortgages are protected under the CARES Act. The borrower believes information was purposely withheld as a tactic to lead her to foreclosure or force her out of her longtime home. Should SN Servicing Corporation representatives have clearly explained the realistic alternatives, the borrower would have been more cautious in accepting a forbearance plan. The borrower would also like to have CFPB be aware that SN Servicing Corporation is not offering reasonable options to homeowners who were directly affected by the on-going worldwide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
i am not liable for this debt Account Name : 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 explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, 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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX SV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These collections just started showing up on my credit reports a couple months ago. I have never heard of them before. All medical bills have been paid in full primarily with insurance, but also with payments at time of service. I have never been on any sort of payment plan. All paid I full at time of service. The provider they are listing was seen over 10 years ago. I have received no past due collections notices ever from these providers listed, or any others. There are approximately a dozen different account numbers and amounts. I think I would have gotten at least one bill. Also, when the items first appeared on XXXX  and I disputed them, these were removed. I then received one envelope of notices that contained just a balance due notice for each account with zero explanation of what it was for or when or anything. I won the dispute and the items were removed. Rash & Curtis then put them back on a couple months later. I had them removed again. This time, they also appeared on XXXX. XXXX  removed the items immediately. Now they are showing up on XXXX. I have disputed them here as well. As I win the disputes, they turn around and refile the collection on my reports. It is happening almost immediately after I win the dispute. 
This is a bogus company. I do not know how they can continue to put over a dozen items with different account numbers and amounts and expect me not to notice. These are not owed. These are really fraudulent at this point. 

Is there any way I can keep them from being able to repost? I am tired of disputing a dozen items across 3 credit bureaus every couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Sent three certified letters to each bureau requesting that they remove the public records provided documents to each bureau

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 2020-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase does not have the ability to close one 's account on their website ( or it is hidden ). It is not a menu option at their phone number. It is all but impossible to contact a person at the phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: MOHELA
State: IL
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 work for the XXXX XXXX XXXX XXXX and have my student loans in the PSLF and certify my employment yearly toward loan forgiveness. They received my certification in XX/XX/XXXX twice and still have not applied it and updated my payment count toward my loan forgiveness for the year ending XX/XX/XXXX. I have attached the certification and data showing they show it processed but have not updated my payment count, which should be 60 payments not 48 that I have made!! On top of this I have also been paying on the loans for 26 years on a income based repayment plan, since XXXX, so they should have all already been forgiven anyway as the law states they end after 25 years! As well I also worked for the federal and count government for a total of three years and these payments were never applied to the count either!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief