BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
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 CONTACTED Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.

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 2017-06-13
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, I contacted both the Exchange Credit Program and  XXXX   XXXX   XXXX  to inquire about a debt that incurrent in  XXXX  of  XXXX . I was told that the balance on the account as of today was {$2800.00}. The original balance on the account was {$2400.00}. The company has already taken {$1300.00} from my tax returns. I never received notice, a court order or anything stating that my tax returns would taken. I was told that the account had a collection fee and interest since  XXXX   XXXX ,  XXXX  by  XXXX . I was told by the Exchange Credit Program the account was not transferred to  XXXX  until  XXXX . I have received zero proof, a letter stating they were collecting the debt but the account is still being reported on my credit report.     There are some many things wrong with the situation. (  1  ) The incorrect balance and added fee ( Which maybe be against the law ), (  2 ) Reporting  to my credit report without notice ( 3 ) Garnishment of tax returns without notice.     *****The exchange credit programs acts as if its a federal agency doing whatever it wants to do because it offers credit to military members. ********

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 2022-09-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On my Equifax credit report my credit score dropped XXXX points overnight. I believe an issue arose when my wife filed XXXX  XXXX but reaffirmed the car and is still making payments on time. I never filed Bankruptcy. I think the finance company XXXX XXXX representing XXXX XXXX XXXX located in XXXX Tennessee listed me as filing Bankruptcy because I co-signed with my wife on the car. They can not do this according to the Bankruptcy lawyer for my wife. I asked Equifax to explain and they said they would send me my report. I told them I already accessed annual credit report for them. It said I had a Bankruptcy but when I tried to dispute it it said I had no Bankruptcies. Obviously this is an error that urgently needs correcting as I was about to apply for a real estate loan but can not until this is removed and my score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ORG GC GP Buyer, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by XXXX XXXX XXXX of a collections notice that has impacted my credit so I requested a full credit report to discover there are two XXXX XXXX accounts with two separate addresses ( XXXX XXXX XXXX XXXX , XXXX XXXX NV XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX NV XXXX ) that were past due in the amount of {$69.00} and {$1300.00}. I have never had any business with XXXX XXXX so I called to report the fraudulent account, also contacted all three credit bureaus and filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the company ( Midland Funding LLC ) on XX/XX/XXXX, I was told I had a cease and desist on file but never sent one in. Once I updated the information on the website to remove the XXXX XXXX XXXX, I tried to talk to someone in reference to a settlement on the account. I was transferred from rep to rep and no one could or would assist me. I was than told that there was a judgment placed on XX/XX/XXXX on this and they could not give me a balance owed at this time and I would need to call back on XX/XX/XXXX. I called back and on the XXXX and I still could not get a balance owed on the account. I called back a few hours later and was placed on hold for over 10 minutes. I called back again and asked to speak to a supervisor. XXXX ID 'd herself as one and stated the balance could not be given. I than asked if I could get proof of the judgment. She placed me on hold and a few minutes later a XXXX came to the phone and I asked him for the proof of judgement. He advised that he would see if they could get it but he now had a balance. He stated that it took some time to get it because of the judgment and they had to make sure all fees and or interest was included. I asked if there was a judgment on the account than why was it not with the legal department? I than asked for a supervisor so I may settle this account, he offered account rep. I advised that I was at work and asked if someone could give me a call back and he stated no. I advised him that I will be filing a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I filed complaint XXXX with CFPB. Experian responded that they would investigate. They did not all they did was send me an email with a link to dispute inaccurate, outdated personal information. This is not a dispute. I have never had 11 addresses. So much of the information is wrong I should not have to DISPUTE my personal information.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.

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 2021-05-14
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinance of my current loan with Quicken Loans/Rocket Mortgage in XXXX of 2020. On a monitored and recorded line the loan officer XXXX XXXX NMLS # XXXX stated I would receive a rate of 2.99 % with total closing costs of {$8500.00} and it would take a total of 90-120 days to close. I authorized Quicken to take a {$500.00} deposit. After receiving conditional approval for the loan, the terms of the loan drastically changed. The closing costs tripled and the rate was only locked for 60 days when XXXX stated on a monitored and recorded line the loan would take 90-120 days to close. I tried to work this out amicably but Quicken refused to honor the original agreement or refund the {$500.00} deposit. Unfortunately, there is no way for them to undo the hard credit inquiry that will stay on my credit for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on Experian and XXXX credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with Experian in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called Experian who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
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:
XXXX XXXX Equifax XXXX XXXX XXXX XXXX These are my complaint numbers from CFPB All 3 credit bureaus wanted a police report and identity theft report. Copy on my drivers license. 
For there investigation on XXXX XXXX. 

I am a victim of identity theft. I never opened an account or loan from this company. There is no inquiry from this company on any of my credit reports. All three credit bureaus have a fraud alert on file. No one from XXXX XXXX contacted me to ask is it was me for this loan. My phone number is on the fraud alert. I call their customer service number. It goes straight to voice mail. This maybe a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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 was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Re-multiple complaints to Chase Bank Claims Department For Two XXXX transactions on XXXX XXXX for {$2000.00} and another on XXXX XXXX for $ 2,000Case stated on these dates that these transactions were cancelled due to y previous account history. Great. However. I have been pleading with them to place my money back into my account. I never authorized these transactions. I made a police report. With XXXX county Sheriffs Department. This was fraudulent. Im XXXX  and XXXX it took me a very long time to save these monies. Please help. There is much more Scam information I can provide upon your request. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
On XX/XX/2021, I paid my monthly car payment to Lexus Financial Services via their app as I have every month - using the same bank account - as I always have. On XX/XX/2021, my credit monitoring services started alerting me to delinquent account from Lexus Financial Services. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, Lexus Financial Services never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. Lexus acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to Lexus Financial Services indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Their investigation did not fix an error on your report

Complaint:
There are 2 hard inquires on my credit report that I did not authorize. Ive also disputed the account as well. The company said that they will correct it. However they havent done so and will not get back with me. I filed a dispute. After later calling Equifax to check on the status, the rep & supervisor told me that the did an investigation and the other party did not respond but they will not delete the inquires although I did not authorize them and have proof. The rep and supervisor said that the are factual records even though the other party did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is to request your assistance in resolving a problem with a wire transfer that has been lost. 

I submitted a wire transfer from my account with USBank, in XXXX, CA. I am purchasing a home, and the money transfer was required for XXXX. The details regarding this transaction are as follows : Date : XX/XX/2022 XXXX {$18000.00}. 
Reference XXXX On XX/XX/2022, a wire transfer to XXXX XXXX XXXX was processed for escrow. Several days later, the escrow officer notified me the wire transfer had not been received. 

As of today, XX/XX/2022, the wire transfer has not been processed and I have not received any information or assistance from the XXXX branch. I have made numerous trips to the bank and repeatedly spoken to XXXX XXXX, branch manager. 

It is extremely frustrating that the branch manager had no information and responded that he didnt know anything. 

Wire transfers are supposed to be available to send secured funds in large amounts and completed within minutes. It has been seven days, and US Bank has not located my money or provided any assistance. Each time I ask about the wire transfer, XXXX XXXX is dismissive. Finally, I was advised that the wire transfer is under investigation. 

On XX/XX/2022, I was advised by the wire transfer customer service office that XXXX XXXX had failed to respond to their correspondence. It appears XXXX XXXX is either incompetent or simply unconcerned about customer service. This afternoon, I contacted the Corporate Office and was referred to the supervisor, XXXX XXXX XXXX. I left numerous messages, but she never returned my call. Lastly, I contacted the bank and wire transfer office but can not resolve the issue. XXXX XXXX advised me the wire was processed today ; however, escrow has not received it. 

This error may cost me thousands of dollars because the interest rate on my loan may be significantly higher. In fact, I may lose the opportunity to buy a home because of this error. 

Thank You, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a XXXX XXXX XXXX credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. XXXX XXXX XXXX does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from XXXX XXXX XXXX on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.

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