BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The XXXX didn't perform the services that he was paid for by Citi Master Card. After we put the payment on dispute, he provided us a Release Letter stater that he wouldn't contest the dispute. However the Citi instead of contacting the merchant and having confirmed that crevice was never performed returned the money to the merchant and put a charge back on our account. Nobody in the Customer Service has any qualifications to answer why they did it after I spent hours on the phone with them.

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 2023-11-08
Company: Atlanticus Services Corporation
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was robbed for my drivers license, credit cards, debit card, and cell phone on XX/XX/2023 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 2021-01-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo has used my personal information to open and established fraudulent accounts in my name, I was in the military in 2009 came home late XXXX and XXXXXXXX XXXX XXXX  this is where it started they used my information to open accounts, I never open an account in 2009, I have been going through this mediation process over 5 years and still finding out that the wells Fargo rep that worked in the XXXX branch in ga used my personal information to commit identity fraud, trying to open insurance account, and other accounts, I have recently got a mediation form filled it out sent it back, I spoke with this claims rep in the mediation program I dont appreciate being antagonized on the phone, this has damaged my credit, and Im having someone to try to file taxes in my name I want this resolved, Im being trying to get this resolved but this guy XXXX doesnt want to realize what this has done to me, Im not going to deal with anymore I want someone to get in touch with me so I can resolve this before I take legal action, I know my options, I gave this claims rep XXXX settlement offer if XXXX plus Wells Fargo pay the taxes, now its a even XXXX or Im going to hire this attorney, Im tired of having the finger pointed back at me, now resolve this before I hire this attorney, I have a witness that heard claims rep XXXX say that their were other accounts open in my name but decided to change his story, wellfargo had leaked my information on the dark web, and I have spent countless hours calling credit bureaus, XXXX, XXXX, XXXX, Im tired of it, now resolve this have someone reach out to me before I file a law suit, Wells Fargo has done enough damage,

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 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/18, I spent nearly an hour on the phone with TransUnion trying to get my credit report freeze temporarily lifted so that I could apply for a XXXX credit card. I first tried TransUnion 's web site and was unable to find a link to unfreeze my report. All I could do was order a credit report. So I tried the phone number that XXXX  had on its letter ( XXXX, a number XXXX  said had been specified by TransUnion ), which led to another dead end ( after being forced to listen to ad after ad after ad ) and a disconnect. I tried again. Same thing : long wait then disconnect. So I found another number, XXXX, which, after again being forced to listen to ads, NEVER gave me the option leading to a credit freeze lift. I tried that twice. Finally, I tried XXXX and eventually found a real person. ( I wont even complain about the terrible connection and hard-to-understand accent. ) TransUnion then charged me {$5.00} to temporarily lift the freeze.

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 2023-04-08
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:
I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-13
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I used to be in forbearance with my mortgage company XXXX XXXXDovenmuehle since the pandemic started in XXXX XXXX. In XX/XX/XXXX, I chose to refinance with a different lender and requested my forbearance end and so I can begin process to refinance. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX repeatedly ignored requests for records from myself and from lender I was working with. The new lender needed to verify information I provided was correct, dates were correct of forbearance starting and ending, etc. XXXX XXXX at some point in XX/XX/XXXX provided false information to my lender who did their best to use for the refinance but the underwriter ended up rejecting it in XX/XX/XXXX and requested documentation again from XXXX XXXX, which they ignored and didn't provide. My understanding, a lender or mortgage company MUST legally provide documents requested by the customer. They repeatedly ignored or send false information. In XXXX. XXXX I had to give up my refinance process due to this and due to the rise in interest rates. Since XXXX XXXX I have been dealing with XXXX XXXX to get back on track with my account and have made consistent payments and they have provided several options, including deferral of outstanding balance to place it at end of the loan. In XXXX I made $ XXXX payment to help start this process and now I'm being told this is not an option. This is the most frustrating company I have dealt with that lies and lies on each phone call. Which takes me XXXX to be on hold. They are trying to wear me down and have even added late charges to my account. Each time I talk to a Rep, they don't know status of my request and put me on hold for long time for a Supervisor. Still nothing is resolved. Please look into these deceptive practices. I have witnesses of the lender I was trying to refinance that can provide statements if needed. At this point, what can someone do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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 belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly stated 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 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
account number XXXX account number XXXX  I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

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 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
XXXX months ago I checked my XXXX XXXX and it had dropped noticeably and I wondered why? I contacted XXXX ( XXXX source of my XXXX XXXX ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with Experian and on their advice also filed a fraud report with the XXXX XXXX, CA XXXX XXXX XXXX ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that XXXX had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance

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 2021-06-13
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 belongs to someone else

Complaint:
I have dispute this account XXXX/XXXX and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not

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 2021-07-15
Company: 1st Franklin Financial Corporation
State: AL
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:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
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:
Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor 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 2023-07-26
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-11
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-06-13
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car was totaled on XX/XX/2021. Since that time my insurance company ( XXXX XXXX ) has made repeated and unsuccessful attempts to contact Kia Motors Finance to obtain a letter of guarantee stating they would send XXXX XXXX the title for the vehicle once they issued Kia Motors Finance the check for the vehicle. I have also reached out to Kia Motors Finance on multiple occasions and have been unsuccessful as well. I have received a default notice from Kia Motors Finance and this account is still showing on my credit report. It has been 6 months that XXXX XXXX and myself have been trying to resolve this. XXXX XXXX has the check ready to be sent to pay this account in full but Kia Motors Finance has refused to cooperate resulting in a negative impact on my credit score and my ability to obtain financing. XXXX XXXX clearly informed Kia Motors Financing via repeated emails/phone calls of what was needed to issue payment and resolve this account in full, Kia Motors Finance will not respond or comply.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NJ
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 do not recognize these inquiries which are affecting my credit report XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX  Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00}

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