BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX  XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX Now XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on Equifax Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on Equifax Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on Equifax Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX  Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report On XXXX XXXX the following companies had Unautorized Inquiries Reported on XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX On XXXX XXXX the following companies had Unauthorized Inquiries Reported on XXXX Credit Report : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXXXXXX XXXX XXXX., XXXX. XXXX ( XXXXXXXXl. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2021-02-24
Company: eToro USA LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I bought XXXX $ of crypot currency ( XXXX ) from etoro platform First thing i observed that the currency price when I submitted was at least 4 % More the chart price. To make sure I tried again without submitting the order They do the same thing which is change the price. 
Second of all I tried to withdrawal my money many times but I couldn't. I tried to report the problem to the company but they didn't answer my email Also therr phone number is only automated mailbox. 
Third. 
Yesterday they shoot down the platform because of the lower market. 
I just need to withdrawal money

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2021-12-20
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance : {$43000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was stolen and was never found. My insurance company paid out both me and the lease holder ( Mazda Financial Services ). I confirmed with Mazda Financial Services that they received their payment and show a {$0.00} balance with regard to the lease. However, Mazda Financial Services told me they would continue to charge me my monthly lease payment ( 2 months in at this point ) until they received a specific letter from the insurance company. All of which is out of my control. So even though the lease had been paid off and had no balance Mazda Financial Services said they are not going to close my account and stop payments on their end until they get the paper because " that's just the way it is '' as they put it. So I am paying monthly for a car that doesn't " exist '' and which everyone has been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
What happened? 
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX/m 2. XXXX XXXX  took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX   took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Push to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: FL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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: Account information incorrect

Complaint:
During the week of XX/XX/2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were removed.

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 2022-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BANK OF AMERICA charged my low account ( acct # XXXX ) {$10.00} to {$35.00} overdraft fees on the following dates and refused my request for a courtesy refund today. 

I have also emailed their CEO and corporate staff about this. 

XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XXXX, XXXX and XXXX they charged a XXXX XXXX monthly fee. 

The total fees charged was about {$1100.00}.

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 2018-08-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I was alerted by my credit montioring service that XXXX XXXX the issuer of my XXXX XXXX Credit Card had closed the account I had with them. Prior to that I was in a payment arrangement with the company. There was not any past due prior to this since the arrangement had been agreed on. After now and without notice or warning they closed the account and reported to the credit agency I thought something would change with the account or arrangement. On XX/XX/XXXX the account became past due by 30 days. After harassment from the company and no explantion of why it was closed when I was making the agreed payments, I requested a DO NOT CONTACT via a phone conversation. As of today XX/XX/2018 the bank is still charging interest on a closed account. I have not had any notice of the agreement being cancelled and the bank has broken my request for DO NOT CONTACT by calling an old number listed for me and giving out information on the account. they also threaten that if I did not call them back that day being Thursday XX/XX/2018. That they would pursue actions. The action taken my XXXX XXXX  are unlawful and decietful. I was never informed of an issue with the account or given reason why it would be closed. the arrangement I had with them had not been broken to my knowledge and they never stated I would continue to receive interest charges. they never stated they would report the account as closed at any point. Their direct actions caused my credit score to drop 20 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
made a balance transfer of {$7000.00} from citibank to pay for XXXX XXXX XXXX transaction was confirmed by citibank that they transferred the money to XXXX XXXX on XX/XX/XXXX, XXXX but the money was never credited on my XXXX account. i made the balance transfer via citibank app online using my cellphone. when i called citibank to verify the account number from XXXX, they said they have a different last XXXX of the account from XXXX XXXX. i made calls and correction multiple times but they also insisted that they have already transferred the money to XXXX XXXX. i called XXXX XXXX but they said they can not provide any solution to the problem because it was citibank 's fault. this has been going on for months. citibank already charged me for {$7000.00}, a money i do not owe citibank coz i didnt received any money/payment for my XXXX credit card. i can no longer count how many times i called citibank to just cancel the bank transfer but they declined. they said they can not retract a money that is already sent. few days ago, a citibank account manager set a conference call with XXXX XXXX  during the conversation, XXXX XXXX stated they did not received any money from citibank for my credit card in XXXX XXXX citibank kept on telling me and the XXXX XXXX representative that they have customer id number and trace id number. citibank also requested XXXX XXXX to conduct and investigation where the money go. but XXXX XXXX refused to conduct and investigation and refused to take the customer id and trace id number. i dont know what to do anymore with this situation. citibank refusing to remove the {$7000.00} that they charged me and XXXX XXXX is refusing to conduct an investigation re this matter. please 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 non-monetary relief
Consumer complaint received 2018-08-25
Company: Experian Information Solutions 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX Experian : 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 2023-11-02
Company: EQUIFAX, INC.
State: IN
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:
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


XXXX  XXXX Late Payment {$0.00} EXTRA Late Payment {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX : Since the date that my mortgage was transferred to Shellpoint/ NEWREZ XXXX, XXXX, Shellpoint has applied my monthly payment to previous months ' ( even though I had paid those payments ) and/ or placed payments in Suspense and has not applied the current month payment to the current month debt ; Shellpoint would then inaccurately report that the mortgage payments were late or the loan was/ is in default. This has occurred so many times that I can not name all of the months of the errors -- majority of the months ' payments have been incorrectly applied and therefore, I have been sent notices of non-payment, charged late fees, and been reported delinquent to the credit bureau. I have filed multiple complaints with the Loss Mitigation unit with Shellpoint. The error eventually gets somewhat remedied ; however, some late fees continue to remain. I have spent ~75 to ~100 hours working on these continued errors, and I ( usually XXXX credit score, at least ) was even denied credit for an Auto loan then am paying an exceedingly higher APR as a result of my mortgage inaccurately showing as delinquent. Shellpoint takes many months to correct the issue and then will make the same mistake the next time. For instance, XX/XX/XXXX payment was misapplied to another previous month resulting in the issue of " late payment '' notices and reporting then " delinquent '' reports, that ultimately caused me to have an Auto loan, etc. impacted by Shellpoint 's mistakes in early XX/XX/XXXX. As is the pattern, Shellpoint corrected the mistake in late XX/XX/XXXX, and then again applied the XX/XX/XXXX payment to another month and is now pursuing me for " 'late payments '', fees, etc.. They advise they are investigating and that it will take time. I receive calls from their collection team. This keeps continuing. I can not receive a mortgage from another company because of the history with Shellpoint and the likelihood that they will make this same mistake again during the application process erroneously reporting me as late or delinquent. It is affecting my whole life. Shellpoint has correctly applied my mortgage payment maybe a handful of months from XX/XX/XXXX to XX/XX/XXXX. 
I am happy to provide more information and am attaching the most recent response from Shellpoint regarding my most recent complaint ; I don't agree with Shellpoint 's final conclusion attached, but it does summarize the veracity of their errors and consistency. I don't know where to start to provide more efficient information. It would be a bank statement showing payments every month and Shellpoint 's correspondence majority of the time that I've been with them that they " have not received my payment. '' This can not be happening to just me. It is likely a programming error. Please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: OH
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 am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However Equifax and XXXX still show accounts, XXXX XXXX XXXX showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.

Company response to consumer: Closed with explanation