BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: WA
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:
ALL of my personal identification data was made available to criminals for illegal uses by a large credit reporting bureau. EQUIFAX. 

My personal financial damages have not yet been determined entirely as of this point due to the fact that the likelihood of my identity being pirated at any time in the future for illegal purposes is quite high. 

My minimum damages from this breach appear to be XXXX per month for professional XXXX XXXX for the remainder of my life. For me and my wife, the total minimum damages is an estimated XXXX 

If my personal information ends up being used by criminals these damages could be XXXX higher. 

This is very scary! 

Please tell me the Consumer Financial Protection Bureau has my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US BANK FROZE ACCESS MY ACCOUNT FOR NO REASON WITHOUT INFORMING ME AND WHEN I CALLED INTO CUSTOMER SERVICE TO SEE ACTUALLY WHAT WAS GOING ON WITH A TRANSACTION THEY FRAUD DEPARTMENT AGENT TALKED INCESSANTLY AND AS IF HIS INCOMPETENCE LED TO A PROLONGED EXTENDED DIALOUGUE OF UNNECCESSARY REPEATED INFORMATION SO MY ACCOUNT HAS BEEN LOCKED FOR A REASON I HAVE NO IDEA AND I CAN NO LONGER CONTINUE WITH THE DISPUTE I NEEDED TO FILE BECAUSE OF SOME SLOW TALKING XXXX ON THE XXXX PHONE WASTING MY XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-04
Company: ORG GC GP Buyer, LLC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
GC Services has contacted me on several occasions stating that I owe XXXX in student loans. Some if these calls were during work hours. I have asked twice to have documentation sent to me showing that I owe this loan, which they sent me a cover letter that stated I owe the XXXX XXXX XXXX XXXX XXXX no itemized statements that i asked for. They have no proof i owe this loan, and I have disputed the debt both verbally and in writing yet they have put a garnishment against my wages. I took out a student loan for XXXX the only student loan I 've ever had, they state that I also had an XXXX  loan which i most certainly did not. This is why I 've asked for documentation and have received nothing. Also the customer service at GC Services is absolutely horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: MN
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 is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am submitting this complaint against, XXXX XXXX for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account XXXX XXXX purchased from XXXX XXXX XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. 

Original Credit card account details : Creditor : XXXX  XXXX XXXX Account Opened : XX/XX/XXXX Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed This information confirms that XXXX XXXX purchased a debt from XXXX XXXX XXXX, which had been established as Charged off. XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XX/XX/XXXX. 
This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX XXXX XXXX XXXX own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX claims the debt began. 

This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX XXXX XXXX, to 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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on 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 non-monetary relief
Consumer complaint received 2019-05-31
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written a letter years ago claiming I know nothing about the XXXX card, when I found out about a credit card debt. I wad advices by the store manager to write a letter to remove the information from my account. 2yrs later, its still reflective. i found the number affiliated to th3 debt collection and was told to write a letter so they could discharge it which was this year XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
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:
My identity was recently stolen, and I saw a XXXX card opened in my name. I spoke to XXXX, and filed a complaint with XXXX, and they fixed their report. As part of that, I got a report from Experian, which showed the fraudulent account on my report with them also. I attempted today to file the complaint online and over the phone and I could not do so, and also I could not get through to an agent to explain what the issue is. Additionally, when I put in my social security number online it tried to get me to log in. I didn't have the username and password so I clicked " Forgot username '' and it said it sent it to an unknown email address that I do not own. So not only did Experian not let me attempt to file a complaint about identity theft and fraud on my report they also have allowed someone else to access my identity and potentially made this problem worse. It would be solvable if it were possible for me to speak to someone about it but there is absolutely no way I can find to do so from their customer service number.

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 2017-10-04
Company: GVA Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collection account with the credit bureau 's and it remains on my credit. Upon investigation of my own, I have found out that they are n't even licensed to collect debt for Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: SECURITY FINANCE CORP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I an contacting yall for a second time, someone from the company has contacted me about the issue, but my problem hasnt been resolved! They clearly terminated the person doing what she did, BUT now she has disclosed my information to other people that have been contacting me through social media and sending me messages. I WILL NOT be threatened due to this company issues! I have screenshots of everything also screenshots of the emails from a lady that is trying to handle everything but she is not helpful at all towards me! 


I want this resolved and something done!

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 2020-04-24
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - I received a delinquent tax notice from XXXX County ( SC ). I immediately called Amerihome Mortgage company and spoke to XXXX XXXX XXXX XXXX. She told me to send the tax notice to XXXX ( do they need a entire department because they forget to pay people 's taxes a lot? ). She said they would get it done. 
XX/XX/XXXX - Logged into mortgage web site to ensure taxes were paid. The taxes were not paid and this " company '' decided to refund almost my entire escrow. The date of the " refund '' was XX/XX/XXXX. I have not received a refund check as of the date of this complaint - XX/XX/XXXX. I called again and spoke to A -- -- a -she said they refunded my escrow because I am XXXX XXXX  XXXX. I am not XXXX XXXX XXXX. Now my taxes are not paid and my house will be put up for auction if they are paid SOON! I then called XXXX county Auditor and the VA to ensure they did not send something to Amerihome. The Auditor and the VA both told me they did send anything the Amerihome. 
XX/XX/XXXX - Called Amerihome back and spoke to XXXX XXXX XXXX XXXX she said the account didn't say I was XXXX and she would contact the delinquent tax department and get everything straightened out. I asked to have a supervisor call me also. NOTHING has happened and a I was never contacted by a supervisor. 
XX/XX/XXXX - Checked Amerihome web site again - nothing has been done. I still do not have a check for a refund - where is the money? I put in a request on the web site for them to do their job. Nothing ... 
XX/XX/XXXX - checked Amerihome web site again and nothing has been done. Called and spoke to XXXX, she said the account showed me XXXX XXXX XXXX. I explained I am not XXXX XXXX XXXX and she said I needed to contact the County - I explained I already Had! I told her the taxes needed to be paid immediately. Now the penalties are adding up. I l also discovered the tax number was incorrect on their end. Who doesn't even know the tax number of the property they lent money on? XXXX XXXX XXXX  said the taxes would be paid by Monday XX/XX/XXXX. I will be checking on Monday and calling again to get a different answer I'm sure. I still have not seen a check- I asked XXXX if they could simply stop payment on the check and have supervisor call me - we'll see. Every time I call I get a different answer. My families home is in jeopardy because these people either don't care or are incompetent. This is unacceptable and I hope you can help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2019, and 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 2017-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, my wife and I sent a letter to Equifax requesting them to investigate certain accounts on our credit report. My wife has received her response. However, after 45 days and counting, I still have n't received mine. I am attaching a copy of the letter that we sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Cap One is reporting an unpaid balance and reoccurring delinquency dates for two cards that they canceled the debt on and issued me 1099 's for in 2015 to pay taxes on as income. They are illegally reporting these items still after all these years. 

See the screenshots of the 1099 's and recent credit report attached for the two accounts ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX, XXXX, Va XXXX has been sending me collection notices in the amount of $ XXXX collection is being reported as past due balance.I have never done any business with this company.This company does not have any contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
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:
I went to XXXX XXXX  XXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan. 

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

XXXX - Unauthorized hard enquiries XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX Equifax - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Affirm Holdings, Inc
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Certegy Holdings, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Twice I attempted to cash a Texas XXXX XXXX check at XXXX XXXX and XXXX, both declined for reason XXXX : The transaction did not meet acceptance guidelines. When I requested and received my file disclosure report to explain why the check cashing was declined, it states : NO INFORMATION ON FILE. I am filing a complaint because whatever is hindering my check cashing needs to be removed and because this has caused tremendous inconveniences and costs regarding the cashing of this check.

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 2020-12-22
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: Their investigation did not fix an error on your report

Complaint:
I disputed an account that has been settled in full on XX/XX/XXXX. Experian failed to properly investigate this dispute. XXXX XXXX agreed to settle the account in full in XX/XX/XXXX. This account now has a {$0.00} balance after I paid {$180.00} for four months and a final payment of {$180.00} on XX/XX/XXXX. I uploaded all documentation that showed the settlement agreement from XXXX XXXX along with a statement that showed all payments made. Experian updated the dispute today on XX/XX/XXXX and it continues to say that I have a charge-off with a past-due balance of {$1300.00}.

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 2022-04-06
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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