BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from my current mortgage company about the transfer of my loan to loancare with the new account number and the effective date of XX/XX/XXXX. I have n't heard or received a letter from the new mortgage company.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
YOUR COMPANY BROKE MULTIPLE LAWS UDNER THE FCRA, MY NAME IS XXXX XXXX AND IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE UNAUTHORIZED CREDIT CARDS AND TWO AUTO LOANS ALONG WITH HARD INQUIRIES WHICH IS HINDERING ME FROM GETTING APPROVED FOR MY NEW HOME. PLEASE LET ME KNOW WHAT I CAN DO TO HAVE THIS RESOLVED AND REMOVED ASAP.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: ME
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 PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX XXXX ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX XXXX ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.

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 2016-08-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several hard inquires that were not authorized by myself. XXXX are from a fraudulent XXXX XXXX Credit Card that was opened in my name. XXXX XXXX canceled the card and reported it to the XXXX credit bureaus and this was removed from my credit report except for the hard inquires with Equifax. Equifax refuses to remove the hard inquires. I also have a hard inquiry from XXXX XXXX XXXX, and XXXX from XXXX, neither of which were authorized by myself at any time. The hard inquires that I have on XXXX are accurate and correct, but Equifax refuses to hear and act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
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: Reporting company used your report improperly

Complaint:
Improper use of credit. Unauthorized inquiries that I did not consent to.

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 2020-06-19
Company: EQUIFAX, 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:
FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove from Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
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:
FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove from Inquiries : 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 2016-06-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Have been disputing issues with Equifax in reference to my case and credit reporting errors since I have been a victim of fraud. It seems that they still have erroneous credit inquiries and debt accounts on my credit report. I requested an accurate copy of my credit report and Equifax states in a document on XXXX/XXXX/2016, t that my credit history is stored in different files. I want to have it to where I have XXXX credit file, with accurate credit reporting and I would like for them to remove the fraudulent credit inquiries on my credit file. I am in the process of beginning the journey of purchasing a home for myself and my XXXX children, and with inaccurate reporting it will be difficult for me to gain a home with a reasonable rate if they are inaccurating reporting my information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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 sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

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 2015-11-16
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
This is my XXXX time contacting the CFPB with a complaint concerning Discover Student Loans. I am a week or so away from having my loan charged-off. 

Me and a co-worker/counselor have called in every month to do our due dilligence on what programs may be available through Discover to fit my budget an afford payments. Discover has offered payments of X, Y, & Z to which none are affordable. 

I received this e-mail today from the Director of Operations at Discover Student Loans ; '' Dear XXXX, If you are having difficulty making your monthly payments, we have options to help you temporarily manage your student loan. Please call us at XXXX. We have a repayment option you may be able to take advantage of over the phone. 
& XXXX XXXX to XXXX EST, Monday through Friday ; or XXXX to XXXX EST, Saturday XXXX to XXXX EST, SundayThis option will only be available to you for a short time, so please contact us as soon as possible. 
Sincerely, XXXX XXXXDirector of OperationsDiscover Student LoansPhone : XXXXXXXXThis is an attempt to collect a debt and any information obtained may be used for that purpose. " We had called in three days prior to listen to options, which ended up being the same, and when receiving this e-mail, thinking something new might be out there. 

So, naturally, we called in to check on what options thinking that my loans may have reached a status where something new could be arranged, and when we call in, we are offered the same plans that have been affordable the previous four months. 

Discover sent an e-mail with false hope that I 'd be able to re-pay my debts and arrange something to prevent further trouble, but come to find out, we wasted our time listening to the same garbage we 've been fed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, On XXXX/XXXX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
affected my credit. After now the company made several mistake trying to issue said reason for which it was closed. after many fail attempts for them the account is restores however my credit and credit score is destroyed this has cause some much trauma and stress to me a XXXX XXXX XXXX man.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I was offered a XXXX % cashback promotional rate from Discover Financial on my Discover IT credit card for all purchases made with XXXX XXXX from XX/XX/XXXX - XXXX/XXXX/15. I received cashback for XXXX of XXXX transactions and received e-mails XX/XX/XXXX and XX/XX/XXXX that I was being denied for the XXXX other purchases becuase they thought the purchases had contained gift cards. When I asked for them to clarify what I was being denied the XXXX % cash back rate for, I was told I needed to provide receipts for each purchase. This, weeks or months after-the-fact. There was no mention of receipts needing to be retained when the promotion was launched, or at all during the entirety of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is the second case I 've had like this. There system is replacing reported data with " NR ''. For years, Equifax has report my XXXX automobile account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is turning months into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: CO
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:
I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-12-27
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: CO
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:
I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?

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 2020-06-19
Company: JPMORGAN CHASE & CO.
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:
My wife and I had a shared Master Card credit card account with Chase. Account # : XXXX XXXX XXXX XXXX. It was begun in XXXX and the last cards we had expired XX/XX/XXXX. 

XXXX XXXX XXXX last 4 SS : XXXX XXXX XXXX XXXX Last 4 SS : XXXX On XX/XX/XXXX Chase wrote off {$12000.00} of bad debt for the jointly owned credit card. The 1099-C was addressed to me. I reported this on our XXXX joint tax return. 

On XX/XX/XXXX Chase wrote off {$14000.00} of bad debt but this time sent the 1099-C to my wife and said it was for a Chase credit card # XXXX XXXX XXXX XXXX. 

I called the support line and talked to a woman in XXXX. She said they took my wife off of the joint card and created a new account for her My wife never had a credit card from Chase with the # XXXX XXXX XXXX XXXX. 

I said I wanted a fraud investigation by Chase but she said only my wife could initiate that. 

Chase needs to advise the IRS that this is wrong and rescind the 1099-C for the XXXX tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe Northwest Collections {$0.00}. I have contacted them many times and disputed the collections on my credit reports and they have failed to remove the " collections. '' There were XXXX separate red light tickets that were paid directly to XXXX.

Company response to consumer: Closed with explanation