BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I left the XXXX, XXXX address in XXXX XXXX and sold the XXXXXXXX address in XXXX XXXX when I exited the XXXX. I do not understand why addresses that are over XXXX years old are still on my Equifax credit report and not my most recent addresses? Please correct to reflect my most recent addresses : XXXX Deer XXXX XXXX, XXXX XXXX, XXXX XXXX - OWN/purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX I purchased my second home to escape the noise in apartment living. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting XXXX account number XXXX which is a fraudulent account which belongs to XXXX XXXX, not XXXX XXXX. I am attaching a letter from XXXX XXXX acknowledging the debt is hers. I am attaching my XXXX XXXX mortgage document for my previous residence of XXXX XXXX XXXX XXXX , which has my signature and the date in which I resided there. I am attaching my property tax document for my current address which shows the date in which I started residing at my current property XXXX XXXX XXXX XXXX. I have resided between the XXXX and my current XXXX XXXX XXXX XXXX residence exceeding 15 years. I did not have any affiliation with the address on the XXXX application, DID NOT SIGN and was not aware until seeing on my credit report. I have also attached an incident report from the XXXX XXXX PD. Also, I ask that I please have an extended fraud alert applied if not already there, I know I had one. I am attaching XXXX XXXX application page with the fraudulent signature which can be compared with my XXXX XXXX 's mortgage page.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit reports it is showing XXXX different company names XXXX and on the other FINGERHUT/WEBBANK. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XXXX/XXXX/12 and the other is showing XXXX/XXXX/12 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, XXXX, AND EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This credit bureau has reported me from everything as dead to having an incorrect social security number.I have had the same ss # for XXXX years, I assure you I am quite alive. I receive my social security check every month. The other XXXX bureaus no I am alive.I have sent copies of my drivers license, social security card, security officer license and a XXXX from last years income tax report.They responded with an incorrect report with wrong name, wrong credit report and wrong ss # .I hope to reach someone with a brain to straighten this out.My name for XXXX years has been XXXX not XXXX and my ss # has ALWAYS ended in XXXX not XXXX.my email is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion reports a hard credit inquiry from XXXX on XXXX/XXXX/2015 I have never - ever - never- ever applied for credit from XXXX in my lifetime I am a XXXX customer and have been for 20 years, and I want this supposed inquiry deleted from my credit reporting. It is fraudulent, it never happened.

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 2021-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called equifax numerous times and they have yet to remove these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
After getting information today ( XXXX/XXXX/2017 ) that my SSN may have been compromised on XXXX/XXXX/17, I tried to contact the XXXX credit reporting agencies to request an initial fraud alert. I was unable to make a request either online or via the phone number provided for XXXX or XXXX. I went through the process on the Equifax automated phone system and was eventually told that there was already an initial fraud alert for my SSN. I did not request this initial fraud alert and am concerned that someone else has my SSN and has requested the initial fraud alert so that they are contacted with credit requests instead of me. The Equifax automated phone system told me to send additional information to their Office of Fraud Assistance in order to request ( another? ) initial fraud alert. I tried to contact a representative at Equifax to find out when this initial fraud alert was placed ; however, there was no way to speak with a representative or get that information online. I tried to contact the other credit reporting agencies as well but could not speak with a representative. I called the FTC and CFPB for suggestions on what to do next, and the CFPB representative suggested that I file a complaint here. I also have a XXXX account since my information was part of the XXXX breach a few years ago. According to that account, there has not been any activity using my SSN as of XXXX/XXXX/17 ; however, I 'm trying to be proactive in preventing fraud from occurring at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
6 years ago they told me a account was in my name and my info. They said the amount the account had on it was  XXXX . I tried to report it as fraud but they would n't do anything about it. They have a address on file that I would not have used since I had a bank account at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Submitted disputes with company where either information was incorrect or did not update. When items were reported to be removed by creditor, they were not removed. Timeliness and accuracy of reporting was inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no clue what Western Shamrock is.And they are asking for $ XXXX.Where I have no idea of any loan, or other services that I have received from them.

Company response to consumer: Closed
Consumer complaint received 2016-06-27
Company: Curtwright & Klein, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called and left voicemail stating that some debt was filed pertaining to my Social Security number and that I needed to take immediate action and called them right away. I have no delinquent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I have been charged late fees on my Barclay 's MasterCard ( credit card ). 
I collect Social Security and make all my payments on or around the XXXX of each month ; in line with when I get my Social Security check ( on or around the XXXX. ) I recently looked at my Barclay 's statement and saw that they 've been charging me a large late fee - almost every month - since almost 2105. 
I sent them a XXXX-page letter along with a printout of their spreadsheet about my account. From that letter and the spreadsheet, you can see that I 've always made my payments ; how they credit my account is NOT correct. 
They have sent me a letter asking me to call. This is not feasible ; they 're most recent letter to me makes little sense.

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 monetary relief
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
2 weeks ago I called Equifax to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these accounts nor did i use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: CORELOGIC INC
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Lately I 've been monitoring my credit report, and out of nowhere I saw that my score had dropped XXXX points, which really discouraged me because I 've been trying to pay my bills on time to have my score in a good standing point. I looked for further details on why my score dropped and it was because CREDCO pulled my report. I 'm not familiar with this company, and I 'm not even located in XXXX XXXX, XXXX, im located in XXXX. I then took action and sent them a dispute letter, for them to remove this item because they are violating the law by having no permissible purpose on pulling my report. 2 weeks later they sent a printout, which i will attach, basically saying they had a permissible purpose, and that someone that I have no knowledge authorized them to pull it from my report. I then sent another letter demanding them to remove it, and today on XXXX/XXXX/15 they sent me the same printout, which is far away from proving that i authorized them to pull my report. Even after i told them I have no knowledge of this company, they still did not delete this off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax, have incorrect information in the credit files of XXXX and XXXX XXXX identical twin brothers, creating violation of the fair credit aact and fair transaction act causing adverse decision in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A debt collector by the name of XXXX. Is trying to get {$190.00} for a XXXX accoung I have never had. I have not dealt or had business with XXXX in over 10 years and even then never owed or received a bill for {$190.00} ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select portfolio Service is our loan holder ; we have been attempting a loan modification since XXXX of 2016. They sent us a letter indicating they had all the information they needed and we were pretty much approved. One week later we were asked again for the same information we have already submitted several times. Based on everything they have done and said they have no intention on giving us a modification, even though they admit they are legally required to do so. We and hundreds of other customers are treated unfairly and are the victims of illegal practices and an overall culture of attempting to stall and do everything possible to not help anyone. They are at best incompetent bumbling idiots that work there or more likely - following company policy which seems to be to help no one and try and accumulate as many fees as possible ... .they charge us for evaluating our property about 6-7 times a year, they charge us to make a payment. They are acting criminally.They are predators and should be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Arbitration

Complaint:
I am objecting in general to the forced arbitration clause in all my credit card contracts. I would like CFPB to prohibit such clauses in all financial contracts. I support XXXX XXXX in its opposition to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: JPMORGAN CHASE & CO.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or aboutXX/XX/XXXX14 I got a XXXX alert that a XXXX car loan was put on my credit report.I t was thru chase bank.I notified them that I did not sign for a car loan or ever saw a contract for car loan.Never knew of a car loan, until after contract was signed.Chase bank fraudulently kept me on a car loan for a year and XXXX and made money on a loan I never signed for.They sent me letter stating I would be responsible for the loan if it defaulted.They have broken banking laws that protect consumers from this.The contract was a sham and fraud from the beginning.Chase bank did not verify who signed the loan document or had it notarized at all.This amounts to fraud and keeping someone on a loan who never saw it for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire of {$4900.00} using the CHASE app. the money still missing until today. 
The receiver have not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: John C. Heath, Attorney at Law, PLLC
State: MN
Product: Other financial service
Sub-product: Credit repair
Issue: Customer service/Customer relations

Complaint:
Lexington Law firm has been charging me for services and not affectively delivering me the results that they promised as far as deleting the credits that was once off by them, but is some how is now back on my credit report. And they have been charging me XXXX a month instead of XXXX a month for charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
J.P. Morgan Chase Bank have used confidentiality laws 15 united states code 6801-6804 to avoid acknowledging its facilitating the crime of fraud. My children the heirs to my ex-spouse property illegally hold my assets in account at Chase Bank with Chase Bank assistance. While I was incarcerated during the XXXX period my ex-spouse allowed Chase Bank to place my investment assets within her account without having my consent of her being appointed my financial guardian. The account in question is a Michigan account kept under the following names. My ex-spouse in XXXX unknowing to me died plus willed control of the account in question to her the children XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX born XXXX XXXX, XXXX plus XXXX XXXX born XXXX XXXX, XXXX. 
chase possess no legal documentation authorizing my assets being placed within the account but still it with intent on aid fraud hold my assets within that account plus refuse to turn the assets over to me. 
The assets were initially placed in the account at the XXXX XXXX which was purchased by the XXXX ( XXXX ) which was purchased by Chase Bank. Despite fact this crime was committed before Chase Bank became overseer of the account Chase Bank is liable being it will not address the criminal act instead it hides behind account confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Transaction issue

Complaint:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. There were several charges made on various cards including wire transfers from my bank account all for absolutely nothing. I have filed complaints with the XXXX and have recently discovered that I may have not received the proper handling of my disputes when I was denied last year. I am hoping that this complaint can get to someone capable of re-opening and properly investigating my claims as they should have done when last year when I first reported. The charge that I am refuting is for {$6400.00} to XXXX XXXX XXXX aka XXXX. The reason for this dispute was due to their deceptive sales tactics they used to obtain by business. They did not provide the services I was sold and did not disclose the additional expenses that would be required of me. These charges for goods and services that were significantly different from that which was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: JPMORGAN CHASE & CO.
State: AK
Product: Credit card
Issue: Other fee

Complaint:
I used a balance transfer check to purchase a car on XXXX/XXXX/2016. I could have charged the purchase on the card but I thought the check would be more convenient. Now I am being charged a fee for using the check. The fee is mentioned only in fine print at the bottom of the accompanying letter ( see attachment please ). The fee is not mentioned anywhere that would be noticeable to the normal reader. I feel that this fee should be reversed since it is not clearly presented on the check offer. I feel I have been tricked and this fee is not fair under the circumstances. I am requesting a credit for the illegitimate fee charge.

Company response to consumer: Closed with explanation