BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-04-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. I have not received any verification of debt or reply. company violated the cease and desist by reporting to credit bureau without providing me written proof as requested. i have not received any proof of debt of signed document by me that validates the debt and its been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove this negative account from all bureaus IMMEDIATELY! will be looking to file suit and complaints with FTC because my rights and livellhood has been affected by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: MN
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:
TO WHOM IT MAY CONCERN, IM NOT PERFECT BUT I WAS XXXX XX/XX/2016 AND I SEE WHERE SOMEBODY WAS USING MY NAME TO GET FUND FOR COLLEGE AND GO TO SCHOOL. I NEVER ATTEND COLLEGE IN LIFE MY AND IM NOT SAYING COLLEGE IS BAD BUT I DIDNT GO TO COLLEGE AND HOW CAN I ATTEND COLLEGE WHEN I WAS XXXX XXXX AT THE SAME TIME SOMEONE WAS USING MY NAME. THESE ACCOUNTS IS ONLY SHOWING UP ON MY EXPERIAN REPORT MAYBE THIS IS A MISTAKE/WRONG PERSON BUT WHAT I DO KNOW THIS IS NOT ME THIS IS FRAUD.

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 2023-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX Balance : {$700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Exeter Finance Corp.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Exeter failed to provide a written disclosure of the annual percentage rate, finance charge, monthly payment, and all other required disclosures under the Truth in Lending Act prior to obtaining my signature. The terms of agreement were not clear and concise. Exeter sent a copy of a contract not signed by me ( forged signature ) which does not align with the original document I signed. ( I have uploaded both copies ) Exeter has also failed to provide me a written notice explaining why I received less favorable lending terms. They have also failed to respond to previous notice of Dispute Billing Error and Notice of Default Opportunity to Cure. Also has violated my request to cease and desist and to only send correspondence to the address I provided during dispute by sending an individual who refused to identify himself in an attempt to repossess my vehicle. They are also incorrectly and illegally reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Used my Serve card as a deposit for a hotel room on XX/XX/2021. 
As of XX/XX/2021 {$57.00} is still on hold. 
Hotel released deposit on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased my vehicle in the month of XXXX of XXXX, the car was repossessed a year later in XXXX due to a very high payment of {$490.00} that was impossible to keep up with. Due to the loss of the car, I lost my job and was unable to provide for my family and my children. 

A couple of days ago, I came across an article on the " XXXX XXXX website '' stating that Santander Consumers USA INC. was involved in a nationwide investigation throughout 34 states ( Including Georgia ) and found evidence of sophisticated credit-score tracking methods designed to prey on those with the highest risk of loan default. Santander Consumer USA INC.was later found guilty in the class-action lawsuit for deception and predatory lending practices. In the settlement, Santander had agreed to relieve all defaulted loans and to help repair the credit of the individuals that were affected by Santander 's deceptive actions from the timeline of XX/XX/XXXX through XX/XX/XXXX ( In which my account falls within the timeframe ). 

XXXX reported the date of last payment was XX/XX/XXXX, but XXXX and XXXX are reporting a different date of XX/XX/XXXX which is a 3 years and 9 days difference. 

Lastly, XXXX had another inaccurate information of the date last active that shows a date of XX/XX/XXXX, while XXXX reports:XXXX and XXXX reports:XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: PA
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 notified and disputed a incorrect information on various accounts I sent a court order and they refuse to acknowledge it

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 2022-12-08
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm not sure if I'm in the right spot for a complaint or not but it's worth a shot. My conventional mortgage on my home was transferred to Flagstar Bank in XX/XX/XXXX. I've been paying {$120.00} per month in PMI on my loan. My escrow analysis was run in XX/XX/XXXX by XXXX. After reviewing the XXXX analysis, I noticed that my PMI amount increased monthly to {$240.00} per month. I called XXXX immediately ( XX/XX/XXXX ) after noticing the increase because PMI is not supposed to increase. The first representative tried to tell me my PMI amount has always been {$240.00} but I knew that was wrong, so I asked to speak to someone else. The next person told me that the additional amount was for something called a rural annual fee which she couldn't explain to me. I looked this fee up and it seems this is PMI for USDA loans in rural areas. My loan is not a USDA loan and I live within the city limits of XXXX FL so neither of these apply to my loan. She said she was going to ask for an escrow analysis to be re-completed to remove this from my account but as of XXXX. on XX/XX/XXXX this has not been completed. I called again on XX/XX/XXXX and the bank said they were going to mark my request as urgent for an escrow analysis re-run. 

This all matters to me because this issue has both increased my payment starting on XX/XX/XXXX due to the additional {$120.00} per month and has also caused an escrow shortage on my escrow account in the amount of {$1400.00} which in turn also causes my monthly payment to increase again. I feel like this bank is trying to deceive people on the PMI portions of their escrow accounts. Their lack of urgency in resolving this matter or getting me an answer at all really makes me feel as though they have a deceptive practice going on.

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 2021-06-16
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name was forged when they tried to serve me. I tried to contact it was a Indian Reservation Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm XXXX XXXX XXXX XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.

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 2021-06-16
Company: Professional Finance Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with two representatives today on XX/XX/2021, with Professional Finance Company in XXXX, CO. The first rep provided me with the file number # XXXX and maintained adamantly that I owed this debt. I attempted to call the original creditor, and was promptly informed that the balance showed {$0.00} owed. I then called back Professional Finance Company and spoke to another rep. She indicated that somehow they sent me a letter back in XXXX at my new address, and that she would not be able to issue me a new letter until I requested one in writing. According to FCRA they have to provide written correspondence when the consumer requests it. They also can not continue to contact me via phone if I've requested such. So in the event they attempt to contact me again, you'll absolutely be seeing a new complaint filed if they contact me via phone since I've asked them not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Possible Financial 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : POSSIBLEFINA XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
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: Information belongs to someone else

Complaint:
XXXX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Issue summarized : I've been unable to buy/sell crypto coins, withdraw coins, and withdraw my XXXX USD for over 30 days ( yet somehow I'm allowed to deposit USD with no warning funds will be trapped ). I've sent 2 support tickets ( # XXXX, # XXXX XXXX, requested help on Binance US ' official twitter/IG accounts and the Binance subreddit. I only got one reply 2 weeks after submitting # XXXX - attached screenshot - asking 'If you still need assistance ', which I replied 'yes, please ' to, and was never replied to thereafter and left on read. I can tell Binance US saw my plea since I have Streak for XXXX. 

Screenshots attached of my deposit history along with dates and current wallet balance. Although the funds I have on your platform does not seem like a lot to you, it is a huge deal for small investors like me and it hurts that all my funds have been frozen in such volatile market environments like today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: NY
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

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 2022-12-18
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants credit guide company sent me mail stating I have debt from XXXX XXXX immediate care. Debt of {$400.00} is owed which is false. I have emails and text proof from the hospital stating I only owe {$250.00}. Im confused as to how I have been getting one notification a month from them stating the same amount is due. Yet somehow all of a sudden your company is claiming I owe {$400.00}. I can not afford to pay right now I have quit my job from being harassed by my boss and will pay when I am able and have a new job. I do not appreciate constantly receiving phone calls from multiple different numbers ( maybe 4/5 ) per day, as well as mail. Stop trying to scam me for more money. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Equifax has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Express and Comenity Bank has to be one of the shadiest companies in existence I used the card once to ensure I was using it I purchased one shirt i paid off said shirt same month which was months ago.

I paid this using certified funds debit card on a recorded line with a live agent they stated they were having system issues and it needed to be applied manually I uploaded proof of payment 4+ times and spoke to countless supervisors all of whom stated they were zeroing out account They charged me interest and {$90.00} in late fees for {$36.00} transaction predatory tactics they waived these like they were doing me a favor they said UM no you were trying to rip me off and its predatory so you waived They have added the same {$90.00} in late fees and even more interest since such time they said they resolved this months ago they slashed my credit citing missed payment which was also to be fixed not only did I not miss a payment you scam artists I paid early and it was a whopping {$36.00} I assure I did not miss and this has been verified over 20 times in the last 6 months I was absolutely appalled when I randomly logged in to see if they restored my credit limit for the holidays I was thinking of using and not only did they not as advised they have yet to XXXX this out as stated in XXXX XXXX XXXX XXXX XXXX They even advised if I filed a grievance I might be subject to account closure what kind of mafia style bank is this I have countless accounts with you never once late you disgust me Seriously? You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this zeroed out and no payment due you have already advised countless times no payment due this is your absolute error and system issues

Company response to consumer: Closed with monetary relief