BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-27
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 is missing that should be on the report

Complaint:
Step 1 - Equifax appears to be hiding my Credit report from Me and from those who pull my credit report. I have had several people tell me when they look at my Equifax credit there is nothing. My subscription to MyEquifax.com and XXXX revealed the same thing. None of my current items appear on my report. 


Step 2 I am having problems with Equifax getting a full copy of my credit report and having companies who pull my credit having the same problem. 


Step 3 I placed several calls regarding the issue. The first time I called the Equifax rep told me after verifying my new credit as of XX/XX/2020. Told me he would send me a report containing the full credit file. What I received was a report that said WE ARE UNABLE TO COMBINE YOUR MULTIPLE FILES DUE TO AMOUNT OF DATA IN EACH. 


I called approximately three or four times. The second Equifax rep. told me that I had two reports and it was a simple matter of merging the reports. While being transferred to the appropriate dept. with the Customer service rep. on the phone, I was disconnected or hung upon. It was a 20 minute plus call. 


Needless to say, after several attempts including speaking to a supervisor the last Equifax rep. I spoke to again told me that I had two reports but it was due to the fact that I had two addresses on file one for : XXXX XXXX XXXX XXXX &. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX I informed her they were the same place as XXXX XXXX is a subdivision of XXXX XXXX. I was instructed to fax a letter stating that they were the same address along with my ID and Social security card copies. And then once that was noted in my file the reports would be merged. 


To this day I am still receiving the WE ARE UNABLE TO COMBINE YOUR MULTIPLE FILES DUE TO AMOUNT OF DATA IN EACH. I can get no answers nor appropriate action or a solution to my dilemma. 


I am including the faxes I sent to Equifax as a detailed record of my attempts and copies of the reports I received from Equifax as well as copies I received from XXXX and myEquifax.com for my Equifax credit file. Please forgive my language of frustration. 


Step 4 - The complaint is about Equifax and their mishandling and misreporting of my credit file. 


Step 5 Equifax Customer Service and Equifax Management. The last Equifax customer service rep. I spoke to was named XXXX. They do not give out their last names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Hillcrest Davidson & Associates
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the past year or so, I have received calls from this company. They do not identify the company, only saying that they are trying to collect a debt for a XXXX XXXX. I tell them that all of my accounts are in good order and that I placed a freeze on my credit reports several years ago because of the data breach at OPM -- OPM in fact sent me a letter saying that my data had been hacked. I ask the agent for the last XXXX digits of the SSN of the XXXX they are looking for, and they do not match mine. Each time, they tell me that they will remove my number from their database -- and then I get another call. At no time have I provided them any personal information, not even the last XXXX digits of my Social Security Number, date of birth, etc. 

On one of the calls, I was told that they were trying to collect a debt for a home security system ( this seems to be a common thread of the complaints against the company that I have read online ). Further, I was given the name of my wife, regardless of the fact that I never have never been married to a woman. I have lived in my house for 25 years and never have purchased an alarm system -- why when I have XXXX dogs! -- nor have I ever contacted any home alarm systems company. 

The latest call was several days ago. I came home and found a voice mail from a " XXXX '', saying that I should listen to the message where no one else could hear. She then proceeded to say that she is trying to collect a debt -- again no mention of what company she works for or what the debt is for. I did not call back this time, because I want to file a complaint with you all so that the calls stop. 

Each time I get one of these calls -- and by now, I recognize who it is, I Google the phone number and read the remarks others have posted about this company, which is Hillcrest, Davidson, and Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( That " XXXX '' is at extension XXXX ) I do not know if this is a legitimate outfit or if these are scam calls. I would think a legitimate outfit would verify information first before calling -- and I do consider these calls to be harassment..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 at XXXX XXXX PST, Twice I tried to speak to a rep at XXXX for statement requests that I also emailed about earlier this month for beneficiary to get housing application completed. When I chose option 4 response : " max # attempt '' and phone hung up. 

Please see email attached from XX/XX/2020 in which XXXX XXXX explains I need to call them at above number to request statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BlueChip Financial
State: NJ
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also. 
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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:
remove not mine ; FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY 1905 PRESTIGE LOOP XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CT XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY selling my information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, I submitted a dispute to TransUnion concerning two hard inquiries that were made on my TransUnion credit report on or around XX/XX/2020. These hard inquiries were made by " Finwse/XXXX '' and " XXXX '' I informed TransUnion that the reason for my dispute was that I " [ d ] id not authorize and do not recognize '' these hard inquiries. 

On XX/XX/2020, TransUnion sent me what appeared to be a generic template letter that essentially instructed me to reach out to " XXXX/XXXX '' and " XXXX '' if I wanted to pursue any dispute. 

On XX/XX/2020, after giving TransUnion more than sufficient time to respond, I again contacted TransUnion regarding the disputes and pointed out their obligations under the FCRA when they received my disputes. In response, TransUnion again sent me the same generic template letter that essentially instructed me to reach out to " XXXX/XXXX '' and " XXXX '' if I wanted to pursue any dispute. 

I am being told by lenders that these inquiries showing up on my credit report are the reason that I am being denied loans. I am being harmed by TransUnion 's wilful failure to do their job. 

I am now reaching out to you for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX XXXX Equifax remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
There was a purchase made for {$1300.00} from my XXXX checking account that was fraudulent and the bank is refusing to refund the monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXXXX {$39.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: 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:
I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX Experian XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID 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 2021-10-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Issue : I am a victim of credit card fraud but Chase has held me responsible for a fraudulent credit card charge, which is illegal according tot he Fair Credit Billing Act.

Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to XXXX XXXXXXXX purchases. Chase was able to cancel the XXXX purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. 

Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. I called Chase over the weekend but they said I had to call a different number and could not help and that service was available only during the weekday. When I called the first number given, I was given another number and another time that was more restrictive to call. When I called the fraud department on Tuesday XX/XX/2021, I spoke with Chase representatives about my issue. They reported that upon their investigation, the fraudulent charge was considered " authorized '' by me because apparently the ticket was purchased by someone using my name. I argued that this was a case of identity theft and fraud and whatever alerted them to suspect fraud was correct. 

Chase said they would be willing to reopen the investigation but that it could take time to resolve. I emailed them additional information and called XXXX XXXX for more information. When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. 

XXXX XXXX was not able to give further information upon my request and they suggested I reach out to the credit card company, Chase. 

I provided Chase with an email showing evidence that on the day when someone stole my identity and traveled from XXXX to XXXX, I was in fact in XXXX CT. I am able to provide evidence showing credit card purchases from XX/XX/XXXX at restaurants in XXXX. Additionally, I emailed them a XXXX XXXX XXXX  of my hourly whereabouts on XX/XX/2021 when someone stole my credit card and identity to travel from XXXX to XXXX. I clearly demonstrated that this was a fraudulent purchase that occurred on XX/XX/XXXX and identity theft on XX/XX/XXXX, as I was nowhere near the Airport. This evidence will also be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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:
In according with the fair credit act. The account below has violated my federally protected consumer rights to privacy and confidentially under U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX. Also Has violated my rights to privacy 15 U.S.C. 1681 section 602 A. U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written consent. 


Also wrong personal information ( address ) is on my report due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So one day I went to get a oil change and them they told me that my car have some damage so they say I need to fix it so it wont get worse I first I was like idk so they told me about a loan and I say yes everything was going good until one day I found out that the repairs they say I needed they didnt do it so I call to make a complaint and they say that I was laying about it so I call the company of the loan and I told them that they used me to get money from me but they didnt listen to me so and the next day I went to the place to get a refund and they declared themselves in bankruptcy so now I still owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied months ago with Cardinal and received my pre approval. The file went through initial underwriting normally with the underwriting team responding back with Conditions that should be met before the loan would be approved. The conditions were suspicious and seemed to have nothing reasonably to do with ensuring my ability to pay the loan or complying with FHA guidelines. Some of them seemed very targeted and arbitrary, but none the less, I complied and completed every requested including pay off a tax obligation that was 1. not yet due 2. was not in collections 3 did not interfere whatsoever with the company 's ability to secure first position with the mortgage. The night after closing was suppose to happen, the underwriter seemed to question a document that I sent months ago that she approved. THe document referred to my student loan payment that was in forebearance due to a federal legislative act. She took issue with the document disclosing an " estimated '' payment instead of actual payment after forebearance. Because it said estimated and not the actual payment, she inputed a payment that is 4-5 times the estimated payment. This imputation that clearly at odds with evidence and what is reasonable, took me out of appropriate DtI which is now the bases for denial. I believe, and have said multiple times that I am being discriminated against in this loan.

Company response to consumer: Closed with explanation