BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted Trans Union on XXXX XXXX, 2016 and disputed duplicate entries and wrong balances with a company called " XXXX XXXX '' aka XXXX. They have affected my credit score tremendously because this company changed names and made it as though my husband and I now have XXXX separate accounts totally more than {$45000.00}. We only borrowed {$20000.00} on this predatory loan from XXXX XXXX and this company has changed names 3 times and all of this is showing outstanding on our credit reports after multiple disputes and as CFPB lawsuit company is still using credit reporting to hurt consumers.

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 2016-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX is deliberately reporting erroneously information on my credit report. Payment due XXXX/XXXX/2016 with a 7-day extension to XXXX XXXX, 2016. XXXX XXXX reported on XXXX XXXX, 2016 that consumer was 30-days late. I have disputed this information with Transunion, and the investigation states the information was verified. XXXX is deliberately lying. How can a bill be 30-days late on XXXX XXXX, 2016 when it was due XXXX XXXX, 2016?

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 2016-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was unable to make payments to Chase for the first 3 months when my loan repayment started. I attempted to pay what I was able for those months. Chase did not accept my payments. Now, they will not give me information about the status of my loan and I do not know how to makes payments. I am now gainfully employed- not sure if Chase sold my loan off or what the status of it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Affirm Holdings, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022 I financed a purchase through Affirm.com for XXXX for {$4700.00}. The item that was to have been delivered was initially lost and not delivered, when it was found the freight company refused to deliver and returned the product back to the shipper in California. I attempted many times to resolve the issue directly with XXXX and Affirm.com to no avail. On XX/XX/2022 I initiated a dispute with Affirm. I uploaded supporting documentation that showed the spa was not delivered, and then was returned to California, but prior to being returned to California it was rerouted by XXXX to a consumer in Texas where they resold the spa. After months of uploading documentation and not hearing back from Affirm.com they responded XX/XX/2022 that the dispute I opened was resolved in the companies favor with the company reporting the item was delivered. There is no proof of delivery because the item was never delivered to my house, again I uploaded supporting documentation that showed the spa delivered in Texas, where I do not live. I continued to file complaints and disputed thorugh the Department of Consumer Affairs in both California and Tennessee, and thXXXX XXXX involving both Affirm and OutletSpas. XXXX recently acknowledged in an email that they authorized the loan to be canceled by Affirm.com when the spa was initially lost. However, Affirm is telling me I am responsible to make the payments for the entire loan balance on top of the payments I have already made. I have never received merchandise. This has been going on since XXXX and both companies are refusing to cancel the loan and refund my money. XXXX made money from my initial purchase, and then when they resold the spa. This is being reported on my credit report, when the loan terms were not carried out, there was never receipt of merchandise which I have proven to Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Despite my repeated requests to have the accounts deleted, TRANSUNION continues to report in my credit file outdated, factually inaccurate accounts with XXXX and XXXX. These belong to my former spouse and stem from an acrimonious divorce dispute with her. I simply want the accounts deleted as they each contain numerous errors and they have refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: MD
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:
After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX, XXXX, and Equifax but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to have the paid charge offs removed from my report, the companies said they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm making a complaint against the incompetent organization, TransUnion. I 've provided the proof required to show that they are reporting XXXX different public records incorrectly and I am including a copy of my credit report in the attachments ( see page XXXX - public records ). 
Here is the body of my letter to TransUnion : XXXX XXXX XXXX All XXXX bureaus have the wrong open date for this account and how can the correct open date be XXXX/XXXX/13 and XXXX/XXXX/13? Not possible. You also have the date that this account went negative incorrect. I need for you to send me the proof immediately or it needs to be removed. 

XXXX Recorder of Deeds XXXX # 1 you have " paid tac lien '' as the title of this one - what is that supposed to mean? 
# 2 you have `` county clerk '' for the court - which county clerk? 
# 3 I 've already made complaints to the CFPB and I 'm including this with my letter! 
# 4 the filing date that you have is not right - unless you have the paperwork to prove this, I need for you to remove it US BK CT XXXX # 1 you have the wrong filing date # 2 you have " us bankruptcy court '' - which bk court? Which city? Which state? 
# 3 the docket # that you have is not complete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I submitted a refinance application with Chase Home Mortgage. 
The refinance closed in XX/XX/XXXX. 

My first application request was closed. My second application request, Chase offered a higher interest rate than the first application. My third application request was processed after 16 monthly recertification of all my financial documents. This long process prevented me from maximizing the use of my credit in order to avoid having my application declined or rejected. 

As a long-standing loyal Chase client XXXX my application should have been streamlined for expedited processing. 
This 16 month process resulted in unnecessary excessive payments of a higher interest rate,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation

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 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are many inquires and accounts that are on my credit report that have been open or pulled without my consent. There are XXXX judgements that should not be on there. I went to circuit court and they dont know where they even came from. I disputed this in the past but they still reside on my credit report. I also have numerous inquiries that I am not aware of that are on my report as well. Along with an account for XXXX and XXXX and XXXX that show on my credit report as well. And I have also disputed these accounts as well and they still have not been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: FinCo Services Inc DBA Current
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
My taxes were filed XX/XX/2022 and XXXX XXXX and XXXX XXXX repeatedly stole the money from my account each time the irs deposited to XXXX XXXX  I received denial letters my taxes were deposited again on XX/XX/2022 and they stole them again. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all helped each other as they have been getting loaners payday advances in my name These people began stalking me and my family installing listening devices and tracking devices these people have been terrorizing me and my family for months and has stolen my entire life I have been notifying current bank and current kept allowing these people to steal my funds. These people are relatives of mine and I just pray to get some help and closure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
Experian refuses to remove negative incorrect or fraudulent information off my credit report that does not belong to me. I have tried to dispute to no avail. They are in violation of the FCRA.

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 2015-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 'm very disheartened as my SS # was used to obtain credit by an unknown party. This occurred over 14 years ago. I spent a year clearing my name and the accounts were removed from my file however, the names that the individuals used ( not mine ) are still attached to my report. This is such an injustice to me and my family as it appears that I have several alias names. After trying for years to have the names removed, it seems that I can not. I do not have the key information attached to the accounts ... some accounts were used to purchase cars and obtain loans, using my SS # and a variation of names, all of which were obtained using my good credit. I discovered the theft with the assistance of my banker as she came across the names during a banking transaction ... further research showed that there were unpaid parking tickets in a different state. The car was traced back to me ... for which I did n't own. The car loan was obtained using my SS #, someone else 's name and a XXXX XXXX in another state. The car loan had been paid in full but the car was listed using my SS #. The police determined that the suspect was most likely a car dealer for which my husband and I had purchased a car from. The dealers last name was used in addition to variations of my first name ... the list of jobs associated with those illegally obtained credit reports are extremely old and were places that I had worked as a teenager ... I 'm XXXX and am a professional with a successful career and yet, some low life car dealer destroyed my credit, caused me to live a year of XXXX and yet, his name is attached to me forever? Why will no one remove the names? I just feel like I 've been violated all over again when ever I see those names on my reports ... having to explain to bankers, employers and showing the police reports after all these years just to prove I 'm the victim just seems cruel to me. Why can no one remove the names from my report? It 's not like there are accounts still pending ... that 's all been cleared ... it 's the names that are with me that I ca n't seem to shake. Please advise ... I 've tried everything but I do n't have any information left to even dispute ... there are no accounts, just some crazy names stuck to me like a disease. Am so frustrated ... even after all these years ... What 's really maddening, I do n't even need to apply for credit but the fact that a thief is tied to my good name infuriates me. 
Any help or advice regarding the removal of fictitious names would be a blessing. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: AL
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:
Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!

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 2016-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In a matter of months, my FICO XXXX Score reported by Experian fell from XXXX down to XXXX. The only XXXX transactions in that time were paying off XXXX auto loans, replacing them with a single {$12000.00} loan on a new {$35000.00} car, and re-closing a XXXX Credit Card I had closed three years ago that XXXX left open. I have NEVER missed or been late on any payment in 50 years over XXXX of loans. I still have a no-limit XXXX XXXX card that I opened in XXXX that I pay off every month. I still have a XXXX XXXX I opened in XXXX. I have a $ XXXX mortgage on a $ XXXX house against a $ XXXX annual income. I have no other debt. I " joined '' Experian and received my Credit Report dated XXXX/XXXX/XXXX with nothing but Green on every single entry for XXXX loans listed that go back 44 years showing " Never Negative '', 11 years average account age and 44 years for the oldest account. I spent HOURS on the phone with Experian ( mostly on hold ), being bounced from department to department but NOBODY could explain why my Score crashed XXXX POINTS for no reason. I explained to several of XXXX agents that I am a XXXX year-old XXXX-out by the frustrating treatment to no avail. 
EXPERIAN 'S CREDIT REPORT # IS 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 2016-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with experian and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.

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 2016-01-04
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation