BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
Company: ALLY FINANCIAL INC.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband lost his job and i contacted Ally Financial to possibly extend late payments to the end of the loan. I was told i did not qualify. I received a Notice of Default and right to cure loan letter i made one monthly payment as well as the late fees totaling {$700.00} on XX/XX/XXXX. I was still 2 months behind coming up on 3. I have since made arrangements with other creditors who were more than willing to work with me including entering a modification with my mortgage. I am struggling due to a temporary financial hardship and the only creditor that is not willing to work with me is Ally Financial? I obtained the loan back in XX/XX/XXXX and i am looking to keep the vehicle and i am trying to avoid filing bankruptcy. My husband has since gotten a new job and we are making an effort to get caught up, However we are unable to come up with 3 payments. Past due balance as of this complaint is {$2000.00}.

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 explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 having the most difficult time with Transunion, I recently received a copy of my TransUnion credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about unauthorized inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete XXXX of the XXXX inquiries on my credit file. I understand that Transunion should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Transunion has not provided me any proof or resolution to my concern.

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Unable or unwilling to fix the 50 errors on the credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, the day after XXXX, I went to Conn 's Home Plus to purchase an appliance package they had on sale which included a refrigerator, stove, microwave and dishwasher. They did not have dishwasher in stock and thy back ordered for pick up after XXXX. I never heard from Conn 's about item coming in to store. In XXXX I began getting text message about a late payment of {$44.00}. When I called customer service, I told them I never received dishwasher and was not paying for something I never received. I have spoken to customer service numerous time regarding this matter. I emailed corporate to let them know what was going on and they said they call customer service. Customer service finally said that someone pickup dishwasher on XXXX, XXXX. I asked to see the signed document regarding the pickup. They had nothing. Someone went into the computer and marked item picked up. I dont know why an employee code was not shown to see who completed this transaction. Conn 's is now threatening to turn account over to a collection agency. There is something fraudulent going on in that store. I NEVER PICKED UP A DISHWASHER AND i WILL NOT BE BULLIED TO PAY FOR SOMETHING i NEVER RECEIVED. I want proof that dishwasher was picked up and by who, I will sue Conn 's if they place any negative item on my credit report. I am also filing a complaint with the XXXX  becasue this makes no sense,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX. Has reported on my TransUnion report on ( XXXX, XXXX 2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.

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 2019-09-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to purchase tickets for a concert from a private buyer. She tried to use a different email first. Said there was problem with the payment going through so I should try to send it to a different email. I sent it to the different email. Both emails ended up being fake and I did not end up receiving the tickets as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX And XXXX XXXX XXXX Were sent the FTC and police reports they do not want to comply Sent affidavit also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.

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 2019-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is reporting info about the following accounts past the two year period The accounts are as follows : XXXX Schedule Removal Date - XX/XX/2019 XXXX scheduled Removal Date - XX/XX/2019 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax was the victim of a hacking incident on or before XX/XX/XXXX that involved the theft of personal information of approximately 143 million persons. The data stolen included social security numbers, home addresses, full names and birthdates. I used the website that Equifax provided, www.equifaxsecurity2017.com to see if my information was among those compromised. Equifax suggested that they believed that it was. I have placed a 90-day fraud report on my credit report via XXXX 's phone service. 

Equifax was made aware of the breach on XX/XX/XXXX, but did not notify any of the affected persons until XX/XX/XXXX, over a month later. This is a serious breach of trust on the part of Equifax. Additionally, Equifax has set up a website that seems to treat the data breach as a marketing opportunity. www.equifaxsecurity2017.com does not explicitly tell consumers whether or not they are among the consumers affected. It merely suggests that they may be affected and then begins a sign-up process for Equifax 's credit monitoring service. Finally, Equifax clearly did not take strong enough measures to protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

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 2019-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Me and my husband have a Capital One card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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 is missing that should be on the report

Complaint:
Me and my husband have a XXXX XXXX card that is not showing on my TranUnion account, and I also have a XXXX XXXX card not showing on my XXXX account.

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Many inquiries on my credit report that were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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: Account status incorrect

Complaint:
The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with XXXX was XXXX and it was over XXXX with TransUnion. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to  acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 contacted XXXX to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by XXXX that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped XXXX pts. 

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with Transunion regarding this informing them of the error, and I never got a response. I contacted XXXX again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.

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 2018-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
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:
This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at XXXX XXXX for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and XXXX XXXX   is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've been denied several employment opportunities because Checkr and companies like them report that I was XXXX three times and Checkr doesn't only tell what my XXXX in XXXX actually were but the XXXX  in place before the XXXX got involved. I have XXXX my time and my XXXX XXXX to satisfy the government. Chekr should not legally be allowed to share my information Under Any Circumstance unless for XXXX XXXX  persuing XXXX XXXX  against me or by XXXX XXXX. OR, They should agree to put me on their payroll as they are actively working to keep me and others like me, unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 )  XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) 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 2021-06-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact Equifax, XXXX and XXXX, I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


I did not give my written or verbal permission for any of the above hard inquires. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I contacted Equifax about identity theft that had accured to me. The guy on the phone said nothing could be done until I received their credit report and that I had to wait 5-10 business days to get it in the mail before they could do anything. This was after being on hold for over an hour and wasting my time. 

Fast forward to XX/XX/XXXX and having not received nothing from Equifax I called again and was put on hold yet another 30-45 mins and the lady by the name of XXXX couldnt understand a word I said her XXXX was terrible and she kept blaiming the phone connection another waste of an hour as she couldnt understand a thing. I phoned back yet again to get XXXX this time after yet another hour of my time only to be told I had the wrong department even tho their website told me this was where I was to go He would not help me at all kept telling me to call again and sit on hold. I asked to talk to his supervisor and he said sure but no guarantees how long I would be on hold for as I wanted a direct line and refused to sit on hold for hours more and waste more time. Nobody answered the phone I sat on hold for another 45 mins and gave up. 

Ive called the XXXX fraud agency and XXXX XXXX both I had to sit on hold but both were able to help me. Ive wasted prob 4 hrs + and 2 weeks of time waiting for mail and still nothing. Apparantly my sin number and birthday date was used with the wrong spelling of my name and a address that doesnt exist the wrong employee etc was used and somehow successful on credit card apps and money was spent wrecking my credit I only found out about it almost a year after it happened and only by chance I had applied for a credit card the last one was prob 10+ years ago only to get denied and I didnt know why as my credit was perfect in my eyes. I phoned to find out why only to find the indentity theft had accured to me. 

Ive done everything I can for now had a police file made called XXXX XXXX and the XXXX fraud agency as well as the credit card company that had issued the card and Equifax. Everyone except Equifax has been more then willing to help but Ive invested a lot of hours now trying to correct this. Equifax hasnt been if any help at all just wasting a ton of my time. What am I to do, my credit is messed up and I cant get these guys to do anything I am absolutely sick of wasting my time as to me my time is valuable and I am a victim with little to no help In this situation only to be super mad at the situation that should have never happened in the first place.

Company response to consumer: Closed with explanation