BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX and Dispute Process Equifax Confirmation # XXXX, I have recently pulled my credit report and identified an unauthorized request to pull my credit which is considered hard hits to my credit report. Needless to say, these hits have reduced my credit score. XXXX XXXX XXXX XXXX XXXX within a six month period pulled my credit report XXXX times without my authorization and then the credit union was sold to XXXX XXXX XXXX XXXX who also pulled my credit report without my permission. I disputed these items with Equifax, and they have stated the records are factual and will not be removed. I inquired as to how they are factual because I did not authorize the pulling of my credit report for either agency. They stated because they have my credit information they can pull my credit report at any time. I questioned this because that means they are saying anyone who has my information can pull my credit and become a hard hit without my authorization and it counts against me. The statement made no sense. I then asked in their re-investigation did they ask the credit union to provide authorization by me to pull my credit report and provide proof from the consumer of this request, should n't I have been notified. Equifax response is they have no control on what is reported, so I asked then what are your investigation if " I '' the consumer is saying it 's authorized and fraudulent. The action seems to be an improper business practice by the credit union and lack of investigation into that accuracy of data from the credit reporting agency Equifax. I have seen marketing soft pulls for my credit which do not affect my credit score, but these multiple requests of my credit report from this agency seem fraudulent and is an attempt to draw to my score even further. I wish to have these unauthorized request removed from my credit report, and the reporting agency revises their investigation practices and further train their employees. Simply stating they have my information causes enough to pull my credit is not a reason to pull it without my signature or authorization or notification to the consumer of such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed a judgement that appears on my credit report from the XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2015-10-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Unreasonable delays ; long waits on every phone call. Generally, I wait for over XXXX minutes to speak to someone. No one point of contact is assigned and they fail to review the file and update the requests. Repeated ask for things they have and request things that are not relevant to the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CL Holdings LLC
State: AR
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 received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XXXX XXXX of 2021. I have never had a account with XXXX and will never. I am reporting Identify Theft in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I attempted to close my account with Citi Bank on XX/XX/XXXX. They told me it was closed and sent me a refund check for over payment of {$0.00}. After receiving that check I called and asked about the return of the deposit of {$200.00} that was required to open the account, and would be returned when the account was closed and all debts were paid. They told me it would take 30 ( thirty ) days for the to send it out. That would have made it XX/XX/XXXX. I called to see if it was sent out and they told me no that it would need 60 ( sixty ) days to be sent out. I am tired of this run around. I believe they have no desire to return my deposit as I have had so much trouble with them in the recent past on over  billing and made up interest charges. Please help.

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 2016-10-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car through Chase. At the end of the term, I turned in the car and received my final settlement statement including turn in, disposition fees, additional mileage, etc. I paid the total of {$970.00} in FULL. Months later, I received a collection notice from Chase in the mail for {$250.00}. I had never even been contacted by Chase about this. When I called their collection dept. to inquire, they stated that a teller had made a payment to my account in error, and I needed to pay for the tellers error. I now receive calls at least twice a week from the collections dept. To my home, to my work. My account was paid diligently every single month on the same day. This was a BANK error and I should not be hassled weekly for an error the bank has made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18
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:
I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2017-03-27
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FirstSource is harassing me by phone and by mail with a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My banking account was closed after my check was direct deposited, they have yet to provide me a reason for the closure or ask if any transactions was made by me. The bank in question is Citi Bank. I have called no less than 20 times and they refuse to provide me with answers or my money. The happened on XXXXXXXX XXXX and my family had to go without dinner or presents.

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 2022-07-22
Company: EQUIFAX, INC.
State: GA
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 applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX  XXXX  XXXX  XXXX  - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.

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 2021-12-27
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.

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 2021-12-27
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 is missing that should be on the report

Complaint:
My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

XXXX Credit Cards : I had credit cards in my name which reflect a solid repayment history. 

XXXX. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to TransUnion three times asking to not only to verify information on my credit report but to also get some information on a few closed accounts that appear negative on my account. These dates are XX/XX/2021, XX/XX/2021, and XX/XX/2021. I still have not received any updates.

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 2016-05-19
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This agency added an account from XXXX XXXX to my credit report. I received no notice from XXXX XXXX or National Credit Audit Corporation that there was any money owed on the account. Under the Fair Debt Collection Practices Act, the agency is required to provide me with notice of the alleged debt and I have 30 days to respond before the debt is assumed to be valid. I provided a forwarding address through the USPS. During a phone conversation on XXXX/XXXX/16, the representative from the collection agency admitted that I did not receive any notices from them. Yet, they reported the debt to the credit bureau. They violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting an alleged debt to the credit bureaus without following the guidelines established by the law. They are required to provide the notice and they knowingly reported invalidated information to the credit bureaus. I want the alleged debt erased from all databases and the credit bureau information updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Information belongs to someone else

Complaint:
MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do a payment plan with the collection fot the credit card of citibank and then when i paid for one year they want the all amount and in this time i not have the all money to paid. I opened the account in XXXX not in to XXXX. According by law it 7 years in the credit record and i past the 7 years. The same think of bank i moving to XXXX and i closed the accoubt by 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 2015-04-27
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Impolite people calling from something called " Convergant Outsourcing '' looking for someone I do n't know. 

Immediately began to ask me questions about myself after I asked them to NOT call here anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-27
Company: JTM Capital Management, LLC
State: DC
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 have tried for months to contact JTM CAPITAL MANAGEMENT to no avail. I have written debt validation letters and have called the telephone numbers listed. If I lived in New York, which honestly I doubt this company is even based, I would visit. I can not understand how a company who no one can seem to reach, can repeatedly verify a debt. This company appears to be playing some kind of fraudulent scheme. No website wont answer the phone to even to settle the account. I can seems to get no help from the original creditor OR THIS FRADULENT COMPANY. you can't reach them, but they can reach credit bureaus to verify information. Honestly, I just to this settled ASAP!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Academy Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is just an inquiry about mortgage insurance. I had a financial gift from a friend to purchase a house and in the interest of keeping my monthly payment low, my most important criteria, I opted to pay the mortgage ins up front, lump sum, so it would n't be added to my monthly bill. I was XXXX and it was my first home purchase, in 2014. I did this solo with no outside assistance, and though my intellect is good, financials make my eyes cross. Aside from that, everything is done so quickly, it 's hard to grasp what is actually happening. I opted to buy it up front, in the amount of {$4000.00}, thinking this would cover me for a few years until my record was established, and though they did ask me more than once if I was sure I wanted to do this, I do n't know if consequences of this decision were relayed to me. I do know nobody said this was not a wise decision, that I would likely end up losing more than I was getting. When my mortgage was sold after about a year, that money vanished. I 'm sure my mortgage insurance payments would not have been $ XXXX for 12-18 months, and mortgage ins never came up with the next mortgage company. When I refinanced with a different company, I was told that money was gone. I 'm just wondering if there 's any possibility of recouping a portion of these funds. If not, I have to accept that, but it seemed, at least in hindsight, that this was an area in which I was taken advantage of, being a novice in this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX, I attended XXXX in XXXX, ca. 
I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this information XXXX shared illegally without my informed and expressed consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.

Company response to consumer: Closed with explanation