BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with 0 balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Public record information inaccurate

Complaint:
I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has released my SSN and other vital private information to the public without any recourse for me to be protected. While they are offering " protection '' ( quotes are important ) it removes any ability for me to be properly reimbursed for my time and expense to clean up any issues created by Equifax. It is important that the CFPB work with Equifax and other reporting agencies to determine everyone affected and to for no cost to those affected place an immediate credit lock on their reports for at least a period of 5 years. In addition the only way to remove this lock should be to contact, in writing, at the address on file from before the breech was committed, the person having their credit being queried, modified, or otherwise interacted with to prevent future fraud for those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon viewing my credit file with XXXX, XXXX, XXXX  I became aware of Security Credit Service reporting an amount : {$1200.00} owed. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. This creditor should remove this account from my file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Army and Air Force Exchange Service
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have three late payments that were reported the three credit bureaus on XXXX, 2014 and XXXX, 2014 and XXXX, 2014 that I am sincerely begging to be removed, besides those three payments that was sent out the the Bureaus I've been on time ever since and have continue to work extremely hard to pay off this credit card in which is almost paid off. I have contacted them via email and certified mail with a goodwill letter and they weren't willing to change the status nor help me. During that time, I was on a field op in XXXX, AZ while in the XXXX XXXX. I was unable to make payments at that time due to not having internet service or cell phone reception. I have not been late since and have continued to pay on time since then and of course I will continue to do so.

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 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Wrongfully posting credit accounts on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just saw a debt with Ability recovery on my credit from XXXX XXXX I contact them about this debt I advised them that my personal information was stolen and that I had no need for there services because I have my high school diploma. They told me to send over copy of my diploma in which I sent my transcript showing I passed they told me it will be look and update in 24hrs as of XX/XX/2020 now I called back they are telling me they cant help me.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-08-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initially contacted Equifax because they were reporting incomplete information on my credit report. They posted an account with no information on who was reporting it. I received a response saying they added the name of the creditor " XXXX  '' after I asked them to delete the account from my report for not reporting it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Throughout my home refinance application process Chase Mortgage Loan/Underwriting personnel acted in " bad-faith '', committed over-reaching in requiring irrelevant personal information unrelated to my creditworthiness, acted capriciously both over the phone and in email messages and misrepresented information to me. After 2 1/2 months and numerous personnel being involved even at the Executive level I was informed Chase was denying my loan for " business reasons '' I objected to this and will refuse to accept my {$500.00} deposit they have returned to me until this is resolved to my satisfaction. 

Additionally, and after the fact, Chase sent me a letter advising I had " withdrawn '' my application which is false, potentially libelous, and misrepresented the facts. This has caused me financial damages in having to secure alternate financing at a higher rate than conditional approved of by Chase. I have also incurred additional time and expense in prosecuting this and a corresponding Complaint with the Office of  Comptroller of the Currency in case # XXXX. As long-term Chase customers with previous and current loans and multiple deposit accounts this conduct and their " bad-faith '' denial of my loan is reprehensible and unacceptable. Chase Mortgage Lending actions have also called consequential financial damages to my ex-spouse as she incurred penalties related to securing her separate financing with her own Chase loan. She is filing her own OCC complaint as well as an affiliated and party to this transaction as her legally entitled funds were a part of my refinancing efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: OPTUM BANK, INC.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX Account XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Doing business as XXXX XXXX, refuses to provide any explanation as to why it has not disbursed the money for the claims that I submitted on XX/XX/2022. I called on XX/XX/2022 to inquire why the money had not been disbursed. I was told it would take up to 5 business days. I called again on XX/XX/2022 and they would not disclose why the funds had not been disbursed or even give me any timeframe for the resolution. I have not been allowed access to the funds that the plan with this company establishes for 2022. 

I submitted a reimbursement request for {$30.00} and another one for {$150.00} on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX, XXXX, I attempted to apply for a loan with One Main Financial on-line. I received a call from XXXX who seemed to be asking extensive questions. After I hung up I realized what I thought I was applying for was going to be secured by my home or my vehicle and I wanted an unsecured debt consolidation loan. So I called back XXXX immediately and cancelled my loan application, she asked why and I said I changed my mind. She never said anything more. 

On XXXX XXXX I received a denied application notice. I was surprised since how can a cancelled application be denied. I called on XXXX XXXX ( because I work ) and talked to XXXX. Explaining the situation, told him of my concern. He did not do anything except offer to send me the reason for the denial. 

1st email Thank you for considering OneMain for your credit needs. After careful review of your loan application, unfortunately, we are unable to approve your loan request at this time. 

If you would like a statement of the specific reasons why your loan request was denied, please contact us at OneMain, XXXX. XXXX XXXX, XXXX, IN XXXX, or call XXXX, within 60 days of this letter 's date. We will gladly provide you with a statement of reasons within 30 days of our receipt of your request. Please include the reference number and the date of this letter in all communications. 

Our review process may have included information obtained from a credit reporting agency. This agency was not involved in our decision on your application and can not provide you with the specific reasons for our decision. 

Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your report from the credit reporting agency listed below within 60 days of the receipt of this notice. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have the right under the Fair Credit Reporting Act to dispute with a credit reporting agency the accuracy or completeness of any information in any consumer report furnished by the credit reporting agency. 

2nd email Thank you for contacting us about your OneMain loan application. Below are the specific reason ( s ) your loan was not approved at this time : Incomplete Application We invite you to visit OneMainFinancial.com/Learn, which has valuable resources and tools that can help you learn how to achieve your financial goals. 

Sincerely, OneMain XXXX. XXXX XXXX XXXX, IN XXXX For me there is a significant difference between a cancelled and a denied application. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A payday loan was charged to my account online. I never apply or received any cash to my knowledge. Now its on my credit report and I want it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
We are not able to get coverage by our warranty company for an incorrect judgement in our file. We are the ones who won the judgement Not the ones given judgement against. Can not reach any one at credit reporting agency ( Experian ). We can not close sales without this and is about to close our business down due to their mistake.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  has recieved all my documents for my identy theft case and still will not remove the items. I have called and asked that need and i have sent it.. Never a clear response and no one will ever help me. 

Also they never responded to my Method of verifvaction letter and thats kind against the law but they dont care.

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax was hacked and according their website XXXX, I am a victim of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV
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:
I was never notified that I had an outstanding balance with the XXXX XXXX XXXX XXXX XXXX. I have an still enrolled and have paid for clasees now and have not had a notice of delinquency. I also never received notification from CONSERVE collection agency was attempting to collect a debt. I found out by looking on XXXX XXXX. 

The account with Conserve was paid on XXXX. It is still however being reported in XXXX. So my paid collection is not 11 months old it is 1 month old or new, drastically lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Someone applied for a credit card using the misspelling of my name and my current address. Because of the credit application, a Hard Inquiry is now on my credit report which brought my credit score down. I contacted the credit card company and they agreed with me that it was fraud because they had the misspelling of my name, they didn't have any other information on file for me not even my phone number, and they only had my address. They deleted the application under the misspelled name but they would not take off the hard inquiry. I contacted one of my consumer credit reporting agencies and they said they could not take off the hard inquiry until they get a letter to delete. Also, someone put in an change-of-address with the postal system under the wrong misspelled last name. This caused problems with my mail. I am not receiving my mail.

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