BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.

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 2022-07-27
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:
On XX/XX/2022 i noticed there was a fraudulent collections on my credit report from XXXX XXXX XXXX XXXX. 

On XX/XX/2022 i noticed a fraudulent collections on my report from XXXX. 

Ive never done any business with ether company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Allgate Financial, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received this summons and have not heard from these people before. I can not contact them for information as I do n't have any communication except for this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent two requests to this company requesting they provide verification of this debt. Each response provided does not provide the requested documents needed to confirm this is in fact my debt. In fact their last communication accused me of submitting a frivolous request when this company has the obligation to validate this debt I say I owe. I am making a request that is within my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 I made a payment of {$3100.00} to my Citi bank credit card to payoff the balance of a balance transfer offer that was expiring on XX/XX/2022. At around the same time I agreed to an offer from the same company on a flex loan for {$10000.00} for the purchase of a major item. Instead of the payment for {$3100.00} being applied to the balance transfer offer that was expiring, they applied it to the flex loan of {$10000.00} I just received. At the time of payment, I assumed the flex loan was completely different than the remaining balance, as it was showing up on the statement as a loan. 

Wednesday XX/XX/2022 I contacted Citi bank about the issue. I spoke to 2 customer service representatives about this issue and was unsuccessful. I was offered a few subpar offers to rectify the situation that would have cost me more in fees. I am not asking for any money back. All I was looking to accomplish was to have my intended payment on XX/XX/XXXX be applied to the balance of the expired balance transfer offer that is now being charged 20 %.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
ive been trying to get a free transunion credit report and score online for months and im unsuccessful.The site keeps saying sorry, unable at this time.I even tried XXXX XXXX XXXX and unsuccessful.When i try to get a free report from transunion, it asks for credit card.I shouldnt have to input a credit card for a free report.I dont know whats wrong with transunions site.They make it difficult.XXXX and XXXX is real easy.I want a transunion report

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 2016-10-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I purchased a home in XXXX of XXXX. We put 5 % down so we had to get Mortgage Insurance. This XXXX XXXX I was able to pay the principal down to 80 % of the purchase price. I called to get the PMI removed. I was told by a Chase representative that I would have to pay for an appraisal ( approx {$450.00} ) to get it removed. She also said that if I paid it down to 78 % it would be automatically removed by the computer. I did that and paid it down to under 78 % loan to value on XXXX XXXX. I called back and they concurred that I had paid down the principle to under 78 % but a different representative said I would still need an appraisal to prove the property had n't dropped in value. However according to the law all PMI should be removed once 78 % of the original purchase price is reached. I spoke to my mortgage broker who obtained me the loan through Chase and he said that they are breaking the law. I have since been charged XXXX additional payments of {$170.00} for my mortgage insurance since I have paid it down to 78 %. I want Chase to refund these payments to me and take off the PMI on my property. I have recently applied for HELOC and I have obtained a copy of the appraisal done by XXXX. I have attached that as well. It shows my property appraising at {$40000.00} more than the original purchase price in XXXX. This is ridiculous that they are holding me hostage on this PMI and still charging me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The interest rate on my federal student loans is so high that I literally can not pay them down ( 8.5 % ). My total debt has increased from {$66000.00} to {$86000.00} in only 5-6 years, and I make monthly payments diligently ( nearly $ XXXX/month ). I attempted paying ahead by a month, to see if that would affect the accruing interest, but it has not changed anything. The monthly payments are already high enough to keep me living paycheck to paycheck, and I feel I may never be able to afford a house or a family in this lifetime. The educated future of the United States is being robbed and tossed aside. 

SOMEBODY PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2022-01-25
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: Their investigation did not fix an error on your report

Complaint:
Evaluate this account : XXXX XXXX XXXX XXXXXXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase violated and continues to violate, with impunity, both Regulation Z and XXXX Banking code. 
Chase claimed on XXXX XXXX, 2016 that they received a dispute claim on XXXX XXXX, 2016 and a fraud claim on XXXX XXXX, 2016. It is worth noting the neither banking law or regulation Z make any distinction between the XXXX. 

On XXXX XXXX, XXXX Chase claimed that the cardholder called them about a fraud claim, this is false. Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, 2016 again Chase falsely claimed that the cardholder called them, again Chase Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, Chase alleged the letter of XXXX XXXX, 2016, received on XXXX XXXX, 2016 was insufficient, yet Chase made no attempt to speak to the cardholder to clarify any purported misunderstandings. Chase also claimed, correctly, that letter was set to the wrong address, however, this defense had not been raised before and the USPS did deliver the letter to Chase and Chase did sign for the letter on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Evaluate this account : XXXX XXXX XXXX XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.

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 2018-06-02
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt should have been included in my bankruptcy. It should be removed from my credit report. See page 15 of the attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have not been able to use my card since around XX/XX/2022. When I call the Customer Service number I am unable to speak to anyone. I am either on hold for an excessive amount of time ( over an hour then I hung up ) OR a recorded message reports a high call volume with extended wait times OR suggests that you call back at a later time due to a high call volume..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. WEBBNKFSTR XXXX {$48.00} ETERGYAR XXXX {$960.00} CREDENVERM XXXX {$1400.00} MOUTAINRUNSOLUTIONS XXXX {$2300.00}

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 explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$650.00} XXXX  XXXX 'XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}

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 explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XX/XX/XXXX amount for {$2800.00} does not belong to me XXXX, XXXX. Opened XX/XX/XXXX amount {$550.00} does not belong to me XXXX XXXX Opened XX/XX/XXXX {$1300.00} does not belong to me these negitive accounts are not mine and i wish to have they removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We made a request of XXXX to come out of forbearance on XX/XX/XXXX, XXXX They presented options to us but failed to disclose to us that we would be put into a 3 month trial period and would not be able to refinance for 6 months after a loan modification. If we were told that, we would have immediately rejected it. They also said that bringing the mortgage to current interest rates was XXXX of the tools that could be used in the loan modification. They told us it would take up to 30 days to get contacted. When we did not hear within 30 days, I contacted them. They rushed a package out to me. 
When I got the package, it was completely unacceptable on multiple fronts. We had less than 20 years left on our mortgage and they put us into a 40 year mortgage at the old interest rate instead of a current interest rate and had language about a 3 month trial period which means we can't refinance for XXXX months. 
I called and was told that lowering to current interest rates was NOT something they could have done. I requested a change to a deferment and was told that I would have to wait XXXX XXXX days for an answer on that. 
They are clearly and unscrupulously dragging their feet to keep us from being able to refinance. Their competitor, XXXX XXXX, turns their deferments around THE SAME DAY. That makes sense because a deferment doesnt change the terms, it just adds a balloon at the end of the loan. We got into this because of economic injury and do not need this company keeping us from being able to refinance to lower interest rates. 
Please help us.

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 2020-05-22
Company: Experian Information Solutions Inc.
State: AL
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 am attached to three student loans from XXXX formally known as XXXX XXXX. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with XXXX XXXX for the education institution called XXXX XXXX XXXX XXXX XXXX XXXX. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however XXXX  XXXX XXXX XXXX XXXX obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company XXXX, nor the education facility called XXXX XXXX XXXX XXXX XXXX .I have spoken with the Department of Education and they have informed me that Student Loans obtain through XXXX XXXX now XXXX can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and XXXX XXXX to clear this issue up I am still in the same place. I am a single mother of XXXX children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified XXXX of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner

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