BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: CBC Companies, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The XXXX credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and may to help devaluate the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is my secpnd complaint on my account at J.P. Morgan Chase - first complaint # XXXX Chase still has not reconciled my account accurately on XX/XX/2016 a deduction of {$600.00} was taken out of my account because they claimed that on XX/XX/2016 {$600.00} was credited and then on XX/XX/2016 additional {$600.00} was credited this was the reason they claimed they took {$600.00}. I am so so confused my balance still is not correct and their represem\natives can not give me an answer why my balance is not accurate. I live on my pension and ss check, this is my primary account where my insurance, my grandchildrens insurance, my rent and other bills come out automatically I would close account when I can contact the different agencies. This has been very upsetting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, I am a victim of identity theft. I am writing because I did not make the change and I need the following information removed that is listed in the report. I ask that the items be deleted to correct my credit report. The theft of my identity was reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove the items as soon as possible.

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 2019-12-09
Company: Early Warning Services, LLC
State: GA
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:
Early Warning Credit reporting agency has incorrect information and has bad info on my credit report with them.I am not allowed to open any bank account because of this false information on Early Warning report. I have tried to settle this issue with them I have also created an account to report this to early warning but the website to do this is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ORG GC GP Buyer, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
They have called multiple times at my job that I just started. I 've already been called attention due to this matter. Please I need help with this. XXXX her name is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a good customer of Chase Bank for several years. 
Last XXXX, I responded to a coupon offer from Chase for a {$300.00} bonus if I opened a new Chase Premier Plus checking account. Per the offer, to qualify for the bonus I had to open the account with at least {$25.00} ( I deposited {$1500.00} ) and then have electronic deposits made of my paycheck. I followed the requirements and asked my employer to transfer my earnings electronically as required for the bonus. My employer, XXXX XXXX XXXX, is a small business, but they agreed to go through the extra paperwork to set up the transfer and make the transfers of my earning. For the past several months my earnings have been electronically deposited to my checking account from my employer 's account at the XXXX. 
Although I have fulfilled all of the requirements, Chase has not deposited the {$300.00} bonus promised after almost five months, nor can they tell me if and when the bonus that I have earned will be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: IL
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 had been doing credit repair for a little over a year and finally got to the point where I was comfortable letting my loan office pull my scores/reports to qualify me for a mortgage assistance program. However, they are unable to obtain Equifax scores because theyre receiving an error message : APPLICANT FILE BLOCKED AT XXXX - XXXX. Since I was made aware of this 2 weeks ago, Ive ncalled Equifax everyday for 2 weeks and spoken with SEVERAL supervisors. Ive read to them the error codes/messages that are clearly listed on my inquiry report, and they all state tat my Equifax file is not locked/blocked and should be accessible. THIS IS NOT TRUE ACCORDING TO WHAT I HAVE IN WRITING. My loan office Is now stating theres nothing they can do on their end to gain access to my files-it needs to be resolved through the credit bureau. However, Equifax credit bureau has just transferred me to several different departments, disconnected my calls, and given me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called USAA about my checking account. It was closed by them last year sometime. I called and asked for a general letter stating it was closed. The woman in the bank portion told me that they did not have such letter but then stated she reworded another form and would send it to me in my message box on the USAA website. It would take any where from 5 minutes to 2 hours. After 3 hours I called back. I was told there was no documentation in my folder nor any such form being sent out. Once again I was lied to and deceived by USAA. After all they stole my car and are ruining my credit score every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CORELOGIC INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The XXXX credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and may to help devaluate the dollar.

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 2022-05-13
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:
Hello, my name is XXXX XXXX XXXX, I am a victim of identity theft. I am writing because I did not make the change and I need the following information removed that is listed in the report. I ask that the items be deleted to correct my credit report. The theft of my identity was reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: FL
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:
I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Nelnet, Inc.
State: DC
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:
My student loans have been XXXX by NELNET/ XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX  CREDIT BUREAUS. SEE ATTACHED LETTER FROM NELNETXXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ive recently been trying to get the matter of a debt that was placed on my credit resolved. Due to this debt being falsely placed on my credit report ive tried different options with no success. Ive sent 609 letters asking for them to validate the debt with no luck its been over 4 months with nothing. Recently i called them directly and was transferred to a XXXX XXXX. it was stated that they have no clue how the amount came about and would have to investigate, i was told it would ake 48 hours, 48 hours passed by no update so i called them back only to be notified that they still are investigating where the balance came from. So i asked the rep you guys basically reporting a debt you have no clue about she stated they 're still investigating. I told her this needs to be deleted off of my report because its inaccurate in a nutshell she told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
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:
On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an Equifax data breach. Immediately delete those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Advantage Credit, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for mac and may to help devaluate the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received an email about XXXX XX/XX/22 stating the online application was being processed, and another email will follow for me to verify my email.

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
New inquiries on my credit report that was inserted and removed and then reinserted without proper prior written notification XXXX XXXX XXXX XXXX XXXX  XXXX man XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

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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 2016-09-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I check my credit Report and I found a deb, after I called XXXX and they told me I own some money from a /XXXX in XXXX XXXX the collection company never contact me for no reason I just found out from my credit Report, at this moment I have all the documentation to show I do n't own that bill, but at this moment my credit report got hurt for something I dont own.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Professional Debt Mediation, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency is listed as " XXXX '' on my XXXX credit report. I have no idea what agency this is or what the debt is in regards to. I have disputed this collection with the credit bureau, but to no avail. How can I research this if I do n't even know the name of the creditor? Mysteriously, this debt showed up as I was applying for mortgage loans. I have done my due diligence in trying to get this resolved with XXXX, but they are perplexed as to who this agency is also. It is not fair that a " ghost '' collection agency can add derogatory items to my report without a proper name or a way for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On Thursday XXXX XXXX, 2016 I received a call on my cell phone at XXXX from number XXXX. I answered the phone and the party on the other side said hey it 's XXXX. I replied stating who, he said again this is XXXX from Alpine Credit, I asked what the call was in relation to and he said he had a few bills in his hands. I asked him for who as I am not aware of Alpine Credit. He said I have a few medical bills here for XXXX XXXX that need to get paid. I asked again who are the bills for he said you I think yea you XXXX XXXX. I let him know I am not aware of any relationship to this company and to please send me a copy of the billing so I can look into this. He asked if I was at an old address still from 7 years ago that raised more concern. I looked up the firm on the Colorado site and they had no current license so I called the state attorney general 's office and XXXX had informed me that they use Alpine Credit Inc, but are now part of XXXX now. 

On XXXX XXXX, in the mail I received a letter stating this is my debt validation with a crudely crafted print out of some billing amounts and a card attached from XXXX. I have sent as of XXXX XXXX, 2016 the letter with copies of the items they sent requesting a clear and concise list of items to verify this debt and the ability they have to collect bearing any signature guarantee on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I just need my credit report clear of old accounts I was XXXX. And I'm trying to get on my feet again. Please help me.

Company response to consumer: Closed with explanation