BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having an ongoing issue with Transunion and not being able to access my credit report to complete Disputes online since XX/XX/2018. I have notified them of the issue via Telephone, customer service, and web support on multiple occasions. There has been no resolve. The advised that they created a ticket. The issue is not a login issue as I can login and I have a screenshot to prove it. I can login but I see system error and that they are experiencing technical difficulties after logging in. 

There is also an duplicate closed account that is reporting that needs to be deleted from The XXXX XXXX XXXX as I only have one current and open account. The closed account needs to be deleted

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 2020-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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 have been disputing this account for a long time and I havent got any fair result on this. The account was reported inaccurately because this is paid as it is indicated yet it is still in collections. Please help me get rid of 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 2018-12-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I spoke with a member from HUD. She provided me with a deeper insight on what has been going on with Chase and my mortgage. I informed her of all the background including the trial payment plan that I completed back in XXXX, Chase informing me that I need to get 3 payments behind before they can help me, and the false loan modification approval they gave me a few years back. Her response shocked me. Chase told me that HUD placed a terminal denial on my file and that it is was not done by Chase. Unfortunately, this statement by Chase is a complete lie. According to HUD, Chase was not servicing the loan properly according to HUD guidelines and because of that, HUD was not going to give Chase any money for a claim on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. Therefore, because of that, Chase decided they will not help me out in any regard. This is unfair to me. I done what was required of me by Chase. When I called, I was told so many different things including reapply when my situation changes. I never heard anything different until a few weeks ago where Chase said in XXXX a terminal denial was placed on my account. But if that is the case, they why did they process my loan application in early XXXX. It is apparent that Chase has goofed again, and now they are trying to throw me under the bus again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: General Service Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received any information regarding this debt. The collector said they mailed something to me, I never received it. Once I received the bill all it said was the amount, and not what services or any information regarding debt. I told them it was identity theft. They automatically wanted to talk to my attorney. They would n't take mail me the information as a response. I am not going to just give out information. My identity was stolen. I mailed them a letter stating my identity theft, and asking for all records retaining to my debt. They will not comply and keep contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}

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 2022-01-24
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 just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: PA
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 belongs to someone else

Complaint:
This is a complaint against EXXON/CBNA has run my credit without my authorization and left authorization hard inquiry that impacts my credit so i submit a fraud alert on 3 credit report companies and identity theft EXXON/CBNA Oil Company Credit Cards Inquiry date : XX/XX/2019 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, 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:
In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: FACTUAL DATA CORP.
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:
Factual data again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: WI
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:
There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not XXXX  until XXXX XXXX. I did not have access to the internet while XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2017-07-25
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:
In  XXXX     2017 I pulled my cred it report for all  XXXX  bureaus to find an open    XXXX   XXXX   XXXX    account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for on   XX/XX/2017  ) to  the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 th e company sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after  31 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( se e attached ) signed for on    XXXX   aski ng them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my origin al letter therefor vio lating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to m y letter s to provid e evidence.

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 2022-01-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance an existing mortgage with 5th 3rd Bank on XX/XX/XXXX, and submitted all the documents they requested. These documents included the following : Uniform Loan Application, Form 4506-T, Borrower 's Signature Authorization , Intent to Process, Social Security Income , and Pension Income, W-2 Forms. 
On XXXX, XXXX, XXXX was notified that Fifth Third needed some information : My most recent personal bank statement, all pages to document receipt and deposits of monthly pension and copy of my IRS XXXX IRS extension, which I did. 
In XX/XX/XXXX I sent a letter to XXXX XXXX complaining of the delay in processing my application because Fifth Third had lost my documents and delayed receipt of them when mailed registered and return receipt. 
On XX/XX/XXXX I mailed a letter to XXXX XXXX, President, Fifth Third Bank stating that the letter from his office dated XX/XX/XXXX but postmarked XX/XX/XXXX, in which his office said my application was closed as incomplete on XX/XX/XXXX. In my letter I asked why was my application closed as incomplete on XX/XX/XXXX when on XX/XX/XXXX his office requested additional information all of which I faxed to Fifth Third on XX/XX/XXXX? I stated that : " It is obvious to me that the loan officer looked for baseless reasons for denying refinancing when I have timely complied with all requests for additional information and when I sent duplicate information that was lost at your ( Fith Third ) end. 
On XX/XX/XXXX I received a letter from Fifth Third in which they stated : " Our decision to deny the loan application stands. Regrettably, we did not receive the required minimum documentation, through no fault of your own, You provided receipts as proof of having mailed the documents, however they never reached the Bank. Lack of required documentation is considered an incomplete application. '' I assert that the reason that Fifth Third denied my refinance application ( they hold the existing mortgage that have been paid on time, no delinquencies are any other problem with payment, my current credit is good to excellent, the loan to house valuation is high ) is because of my race -- XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortage is with Select portfolio services, I was told that I missed a deadline in may for them to help me with my mortgage. I lost my job in XXXX of XXXX and just recently started a new job as of XX/XX/XXXX. The bank is requesting that I pay a large amount to reinstate my account otherwise they will continue with a foreclosure. I asked if there are other options and was told no. At this point I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: MS
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
I just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it 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 non-monetary relief
Consumer complaint received 2019-11-21
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past 2 months, calls all time of the day on house and my cell phone. They will not work with me on the day that I can pay something on my account. They want to know who's paying my bills since I can't pay them. Over 10 calls a day on house and 10 calls a day on cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: CA
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:
The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually  paid a ahead.Ref

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 2020-04-21
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Complaint Against Discover Financial has run my credit without my authorization and has left Unautorized hard inquiry on my credit and this inquiry impact my credit on date DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX i just applied for credit card date : XX/XX/XXXX and i got approved which is accurate other above is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: CA
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:
The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually paid a ahead.Ref

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of 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 2017-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt not validated!!!! No documentation of the original application with signatures. I do not have a signed contract with portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hi, During the months XXXX, XXXX and XX/XX/2015, I experienced severe financial hardship and was unable to pay my credit card. I had been paying on time as seen in the attachment from my credit report. I was using this secured credit card to build my credit. When I had the opportunity of making a payment it was too late for Capital One as they canceled my credit card and applied the security deposit to cover what I owed them at the time. 

I have since opened another secured credit card with XXXX and they returned me the deposit after some months as I was paying on time. I hadn't missed a single payment on my credit report before the three missed payments with Capital One and I haven't missed a payment since then as well. I am writing this complaint because I have become a responsible individual but these missed payments affect my credit score still in a significant way. I have made several complaints for them to help me with dropping those from my credit report but have always received a negative response, that is why I'm looking for help with CFPB. 

Thank you for your reponse XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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:
Problem with credit reporting.

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