BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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:
These inquiries are FRAUDULENT! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.

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 2018-05-30
Company: EQUIFAX, 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or  120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Today no access to website down, customer service line disconnects call, hold times for the last week two hours. Company won't use American workers so there is no follow thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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 information incorrect

Complaint:
On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from XXXX  XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with XXXX XXXX  debt collector. XXXX XXXX demanded money and would not hear me out that XXXX  XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. XXXX XXXX  then reported to the credit bureau and I have been trying to resolve and dispute this for months.

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 2016-03-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to XXXX XXXX and recieved little to no government assistance for some unknown reason, considering I was not dependant on my parents at all. This forced me to turn to private loans. Now, I have almost XXXX in private student loan debt. The monthly payments are {$1200.00} and I can not afford to live. Even after making this payments on the loans, my interest is 9 % ,8 %, 7 % interest so that the loans continue to get bigger. I own two businesses and would otherwise be doing well for myself. I have called, emailed, sent in letters to the private loan companies, only to have them raise my rates instead of lowering them. There is no end in sight, I would have to be making XXXX per year just to live a normal life. Where is the protection on these loans? Why ca n't I refinance them? 

The fact of the matter is this, this rock is too heavy to lift because it causes me to have a horrible credit score. Bad credit = no loans to buy a house or get money to start another businesses. It 's a vicious cycle and I have exhausted all of my options. I can not refinance them because no one will lend me a better rate because of my credit ( even though I make every payment on time ). 

Please help me do something, anything to get out of this debt trap I am in. It has caused me to tell everyone I know to forgo college until this fraudulent behaviour is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In my divorce it states that my ex husband is responsible for everything with the house. I signed a quit claim deed in the process as well. I am the primary borrower and he is the secondary borrower. I found out that he modified the loan without my permission. I called the lender to see if he had signed my name. They said they only needed one signature. I explained that I know you always need everyone 's signature. They stated that since I signed a quit claim deed they did not need my signature. After signing the quit claim deed I found out that the quit claim deed has nothing to do with the loan. After explaining this as well they told me sorry that 's the way it is. I stressed if they do n't need my signature then they do n't need my name on the loan and to remove it. They said that was not how it worked and just kept repeating that 's the way it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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 was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Sequium Asset Solutions, LLC
State: LA
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:
There is Incorrect information on my credit report. In XX/XX/XXXX A collection was placed on my credit profile by Sequium Asset Solutions for a XXXX XXXX account I had no knowledge of. I spoke with Sequium, who then told me contact XXXX XXXX, in which I did. On XX/XX/XXXX I received an official email from XXXX XXXX stating that it was investigated and discovered to be fraud, please give it 6 to 8 weeks for the collection to be removed from my credit report. Well Its now been well past their 8 week mark & neither company, SEQUIUM ASSET SOLUTIONS or XXXX XXXX will not properly handle this situation and remove the collection from my credit report. Instead theyre sending me in circles, blaming each other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
There was a tax lien on my credit report. It should not have been there. I filed with the IRS to have it removed. They did remove it on XXXX XXXX, 2016. I also filed a dispute with Experian. They found in my favor and removed the report from my credit report. I checked my credit report today, 33 days after the paperwork was filed, and my credit score has not improved. I called Experian at XXXX. I was told that the main number from their website was the wrong number -- their department ca n't handle this. The representative then transferred me to their Membership department. I was told that Experian does n't have any control over my credit score!!! I said that is plainly ridiculous, as this is what their business does. I was then transferred to a " supervisor '' named XXXX who also said he had no control over it, and my report simply needed to be " refreshed '' by the Dispute department. XXXX in the Dispute department said that his department did not handle this, the Membership department does. I was irate, and explained that I had been transferred and put on hold for an hour and a half. I demanded to speak to someone in management who could help me. XXXX said he 'd transfer me and the number that he transferred me to had a " this number is no longer in service '' recording and then disconnected me. I must emphasize that I was not verbally abusive in any way -- I was direct and calm. I was patient. My ordeal ended at XXXX with no one taking responsibility. My request is simple : I was told that the lien was negative and lowering my score, I went to a great deal of trouble to have it removed. My score should improve. Period.

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 2022-09-13
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom it may concern, Experian had previously deleted all the items off of my credit report due to identity and some company in violation of the fair credit report act. However, since has reinserted back on my credit report without any notifications.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, I've had a lock on my credit with all XXXX bureaus for years. Experian, is of course the most annoying. Instead of simply allowing customers to hit a single key to lock and unlock their credit, they have an annoying form to fill out. Apparently this process hasn't helped them, considering the fact that this process hasn't stopped these XXXX  from losing everyones information a few years ago. 


Because of the corona virus I'm applying for a credit card. On XX/XX/2020 I unlocked my credit with the other bureaus and no matter how many times I put in my password Experian doesn't allow me in. Their system isn't even allowing me to answer the security questions I painstakingly set up with them. Now these XXXX  have the ABSOLUTE NERVE to request that I send them a copy of my SS CARD. MY ID, PROOF OF ADDRESS AND BIRTH CERTIFICATE all in the same envelope. Are they XXXX? They lost our info before, now they want it in the mail system? 

I tried calling and of course their service is terrible. They run you in loops and then hang up on you. HOW ARE THESE XXXX XXXX STILL IN CONTROL OF OUR LIVES? I want them to unlock my credit!!! It upsets me that I need permission from these XXXX  to live my life!

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 2016-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXX and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

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 2017-10-13
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I owe no debt and have good credit. For the past two weeks I've been getting calls from some company, Trans World System. They left a voicemail stating, I have some legal documents associated with my name, social security number and theyre coming to my home/work to serve me. If they cant reach me it at either locations consider it as being notified and the filing will continue. 

Again, I've NEVER heard of this company and I do not owe any debt to be sued for. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian has had MORE than 30 days to looking into my dispute and have not shown any proof per FCRA laws I have done my due diligence as a consumer and have exhausted all options. They need to delete my inaccurate accounts since they are unwilling to verify and " show proof, '' key word is " show. '' Simply printing it with the exact same copy is not verifying or showing proof. Attached are the the XXXX reports that show the exact same copies of reports where nothing was updated as they claimed. They also need to delete inaccurate personal information it is not historical when it is n't mine. Telling me its from other sources is illegal it is n't mine. I am telling you what is my name and address you ca n't tell me someone else told you who I am.

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 2016-08-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted my initial complaint about Experian on XXXX/XXXX/16. 
Experian represented they were in the process of mailing the credit report to me, and it will take up to 10 days. 

Today, XXXX/XXXX/2016 I still have n't received the report. 
I was denied credit and am unable to get car insurance to get to work, because of flawed reporting by Experian. 
At which point can I sue these clowns for damages to my credit score?

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 2020-04-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Wells Fargo sent info about an account which dates doesnt match the year of inquiries or date month Id like this removed 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 2022-05-04
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first learned of this debt was an alert from my XXXX account. I have no clue how my name is connected to this I have never visited this dr office. I never had a procedure, never had a examination.

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 2020-04-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit scored went down because a inquiry from 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 2020-04-06
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have just refinanced with Freedom Mortgage and we have not been able to contact them to discuss our payment options due to COVID 19 I have sent an email two weeks ago and have called numerous times.

When I go to the website they have posted an option to apply for a forbearance but the terms state I must pay it all back at once plus my additional mortgage payment. 

That is not possible. I dont have the money now how am I going to have it in 6 months? 

This is completely unacceptable.

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 2015-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
No I have n't disputed anything with Experian because all the credit bureaus are doing the same thing. I just got a copy of the above report. It shows XXXX Inquiries, of which about XXXX of them I had no knowledge. I did n't ask for credit from anyone. I did ask for a lower rate from the XXXX credit card I have, XXXX XXXX. As far as " preapproved credit offers '' go I 've never in my life received a true pre-approved offer. These companies scan my credit to see if I 'm worthy of their solicitation. Then when I ask about it, they say now we have to run your credit to see if you " qualify ''. So there is NO firm offer of credit with those solicitations. They are using this ok from the government to look at my credit for illegal purposes. I have XXXX company that I am licensed with to sell insurance for that runs my credit whenever they feel like it. Yet, I am not given nor ask for any credit from them. This is outrageous. I want to make sure none of my credit info is given out to anyone without my knowledge or request. I 'm sure this practice helps enable the evil folks who want to steal identities!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief