BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with TransUnion and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.

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 2023-07-20
Company: Experian Information Solutions 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:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter

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 2023-03-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Block this account that is erroneously reported in my file : XXXXXXXX XXXX XXXX  XXXX Balance : {$4900.00}

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 non-monetary relief
Consumer complaint received 2021-04-23
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Financed a sofa and bed with this company. Paid off principal with interest and then settled, company still saying I owe them money and despite request to stop debiting my checking account, they continue to try and do so

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I received a prepaid card from the Equifax Settlement Administrator ( http : //equifaxbreachsettlement.com ). The money was pre-loaded to the card and I expected that I would be able to use the card like money. 

However, it turned out that the card included a mandatory feature that would require that additional XXXX XXXX funds were available on the card whenever a payment was made to a restaurant ( XXXX XXXX XXXX XXXX XXXX. For example, I paid at a deli for XXXX, however, my balance was reduced by XXXX until the transaction fully settled. 

A set-up like this prevents consumers from using their funds fully and locks the money at the debit card, leading to a loss of funds. Given that a settlement is for {$420.00} XXXX, a significant loss to consumers will occur, and the gains will accrue to the debit card company and potentially to the XXXX  XXXX. 

Additionally, communicating with the XXXX XXXX is nearly impossible. I was ignored for over a month until I reached out to the settlement attorneys who escalated the matter, yet I wasn't helped anyway. I believe the XXXX  XXXX deliberately delays communication to further encourage people to abandon their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2023-07-20
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; sXXXX On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: WI
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 was stolen. I believe it happened at a Costco gas station at XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I bought fuel XXXX XXXX. On XXXX XXXX XXXX my address was changed and a Citi card was open with my name. The address was not my address and I did not open a new Citi card. I found out by not receiving mail and a water company emailing me that a bill was returned. When I went to pay the bill I received the letter from them with the fraudulent address attached to the letter. 
I filed a complaint with the post office, notified the credit card company and put a block on my ID. with XXXX and they told me to file a complaint with you. 
The address they used was XXXX XXXX XXXX XXXX XXXX AZ. 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 2019-03-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX/XX/XX/2016 I had XXXX XXXX XXXX XXXX repair my roof they were to replace 3 rafters, 200Sf of decking and the roof Plus NO MAINTENCNCE gutters! 
They did not replace any of the rafters or roofing deck! But they did fall through my ceiling and damage my electrical wires in the attic! This project was financed through XXXX a who is serviced by Synchrony Bank For over a year I paid XXXX and kept calling XXXXs To get them to finish the project and to repair the damaged they did to my home! 
Just got the run around from XXXX SO I notify XXXX of the problem and was told they could not do any thing about their home improvement Group! 

I stop paying with in 3 month Workers from XXXX start coming around and calling me 3 to 4 times a day. They did quite me a price of {$14000.00} to fix the damaged that they did to my home! I told them to go to H! 

Synchrony Bank also services XXXX gas and XXXX XXXX XXXX which I HAD credit Cards for. 
I paid line my XXXX card after I get my XXXX check as I have for OVER 5 year. But this time Synchrony Bank posted my XXXX payment to my all ready-paid XXXX Bill! Charged me {$27.00} late fee canceled my Credit card and reported me to the credit company for being late all the time! 
They all so canceled my XXXX XXXX XXXX and credit card! Also reporting me to the credit reporting companies! 

It did cost me {$7000.00} to repair the damaged wires, {$250.00} to fix the gutter that was spelling rainwater onto my DET meter box. 

Synchrony Bank has stop calling BUT Workers for XXXX XXXX XXXX XXXX and XXXX are still calling me some times 5 times a day and after 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 2023-07-20
Company: Experian Information Solutions Inc.
State: CA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 explanation
Consumer complaint received 2019-05-09
Company: WLCC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a Arrowhead Advance closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX XXXX that was closed in XXXX. The account was charged off - the Financial Institution labeled the reason as " ACCOUNT ABUSE '' when in fact it was not. The negative balance occurred because I was laid off and out of work due to Covid. The balance when charged off was {$160.00}. I paid the account IN FULL within less than two weeks. The bank reversed the fees due to the nature of the scenario - however they never edited the label from account abuse. I disputed this account with Early Warning Services and they refused to research. The onus of responsibility should not be on a consumer to prove that they DID NOT prove a crime. In America you are innocent until proven guilty - if XXXX XXXX is claiming that my account was close due to account abuse they need to produce the instruments and documents that prove this. They won't be able to do that because there was no account abuse. The negative balance would have been covered right away had I not been laid off from work as a result of the Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX sued in court without notifying me. I do not know what this is not did the company attempt to contact me. The court issued a garnishment that started on my last paycheck. I used to bank with company years ago but changed banks due to more than XXXX that just disappeared out of my account.

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 2018-02-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made purchases using American Expresses Blue for Business card. The marketing and online user interface communicate the option to use rewards points to make payments on " eligible purchases ''. Throughout my three year history, I attempted to " Use Points for Charges '' on their online system and received various restrictions and denies to use this advertised service. The system reported, various statements like : " There are no eligible charges for the time period you selected ''. Other times, the system said " The service is currently unavailable we're sorry for any inconvenience ''. 
When I called customer service to ask them to apply some of my available rewards points to my current remaining balance of {$13.00}, they said, " There are no eligible purchases to use points ''. They said this remaining balance is based on interest charges and you can't use points to make payments on this type of " charge ''. They chose to not retroactively adjust my account based on my previously paid eligible charges during my previous attempts to use the points for payments on the charge. 
They claimed no responsibility for the failed system online during the periods when the system should have allowed me to make payments using my existing rewards points. They showed no effort or acknowledgement that their system repeatedly failed to honor their rewards agreement. 

Additionally, when they market to the public : " Use Points to Make Payments '' they mislead them by not providing conditions of use statements with their advertisement. Within the terms they make clarifying comments like, " eligible purchases ''. In real life, their online system makes repeated failures during the appropriate condition for utilizing rewards for " eligible purchases ''. And, they communicate no intent to correct for system failures. 

Instead of honoring their agreement and acknowledging my past eligible purchases and attempts to use my rewards to make payments on my balance ; they denied responsibility for their online system performance and failed to honor the agreement of their terms. 

System logs will show when users experience error problems while logged in their account ; so, they are able to verify my actions. They showed no effort in attempting to consider my previous action and to make right on their terms of our agreement. This company blatantly misleads people to believe their " Charge '' is the same as their " Charges '' for " Eligible Purchases ''. This bait and switch tactic is unethical and not a fair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away in XX/XX/XXXX. His mortgage was held by Select Portfolio Servicing Inc ( SPS ). I went to court and was appointed as the Administrator of his estate. Once I had the applicable court documentation I called SPS to catch up the mortgage to ensure the property would not be lost. I first contacted SPS on XX/XX/XXXX and emailed in all the requested documentation to have me added as an authorized individual on the account. However even with the court paperwork they refused to provide me info on the loan, amount to get it current, etc. until I provided them my tax returns, pay stubbs etc. With each call they would try and trick me into applying for a new mortgage by providing all those documents all while the mortgage grew further behind because they would not provide info. After several calls where I tried to obtain the needed info and instead was tried to be tricked into taking a new loan in my name at the current interest rates which are double the current note rate I got my attorney involved. We called SPS together and of course upon hearing there was an attorney on the line they for the first time said they dont need my tax returns and pay stubs and can tell me whatever I need to know. Thus the first complaint again SPS is that they are trying to take advantage of individuals in difficult times after loosing a loved one to try and leverage them into new business even though it is not required by law they act as if it is. 

The second complaint is during this period of time when they would not provide the mortgage info to get it paid current they were without notifying us or consent sending technicians into our property. They changed the locks despite no communication or filing about any movement toward foreclosure. Upon paying the mortgage current we were still not notified of their accessing the property nor was the lockbox removed. They have now changed our locks and when opening the lockbox no key is inside so we can not access our own property that is fully current on the mortgage. Because they changed the locks and let unknown persons into the residence our property was illegally access and all my late father possessions have been stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Bridgecrest Acceptance Corporation
State: GA
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:
Around XX/XX/2017 some opened a credit card with XXXX without my knowledge. I disputed the account and XXXX refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and Bridgecrest and have received the same results, along with 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 explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section states I have the 602A right to privacy.

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out written instructions.

Company response to consumer: Closed with explanation