BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
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:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Inquiries XXXX. XXXX XXXX XX/XX/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. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: SC
Product: Credit 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:
I booked a two bedroom apartment for one night through XXXX with XXXX adult and XXXX child ( XXXX XXXX XXXX ). I have a confirmation email confirming the reservation with the statement at the bottom of the email stating This property considers guests aged XXXX and under, at time of travel, to be children. PLEASE SEE THIS STATMENT ON PAGE XXXX, under " Guest charges and accommodation capacity '' of the " XXXX XXXX XXXX  '' Apartment manager called us the day before our reservation, accused us of lying by saying that our XXXX is a child, and refused to allow us to stay in the room. In a chat with XXXX they also said we lied, even though i have the confirmation FROM THEM that we didn't lie, and that a XXXXyo is considered a " child. '' I disputed the charge with my CitiBank credit card. They are refusing to credit me the {$590.00} even though we paid for the room for XXXX people, were not allowed to stay in the room, and were refused a refund, see " XXXX XXXX XXXX XXXX  ''. CitiBank will not refund the money unless XXXX agrees to give a credit slip. The entire reason I am disputing the charge is XXXX wouldn't give me the product AND refused to give me a credit for 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 2019-05-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2019 I was looking for an installment unsecured personal loan. XXXX XXXX from ace cash Express sent a verification form link to my email. It was actually a XXXX form which didn't redirect me to a website. They asked for my bank username and password for verification. I don't give that kind of information out, nobody should. So he called and I missed it. I called back and talked to XXXX at XXXX-XXXX-XXXX  a XXXX XXXX Texas number. He kept trying to get my username and password. I told him I didn't need a loan that required that. Later a phone from California called from XXXX-XXXX-XXXX. He had a strong XXXX accent but could understand he was ace cash Express trying to get my username and password again. Hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore loan management are charging me an extra {$5000.00} on to my mortgage payable over 5 years because they said my payments were delinquent. I have been sending my mortgage through XXXX XXXX over a year an 6mos. because when I sent my mortgage on time they would tell me they were late and charge me late fees. when I look at my credit report they said I was late over 24 times an charge late fees an interest. They are still taking out PMI an I have own my home for 14 years and have not missed a payment.My mortgage went up an extra {$100.00} a month in the year XXXX they don't send my escrow to me I'm not sure if it's accurate.When I would call them they would not listen would tell me I was in foreclosure.I would get robo calls all day and even after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: STERLING JEWELERS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I entered the XXXX XXXX  in XXXX at XXXX, located in XXXX MD. Upon entering the store, I picked out a few pieces of jewelry and proceeded to the counter, I offered the clerk my credit card ; which I've had since XXXX and have no late payments ; after processing my transaction, she proceeded to tell me she had to call in the charge, the amount was below {$300.00} and my credit limit is {$4000.00}, I thought it was strange, but waited. After a few moments the store clerk gave me the phone, the person on the other end told me that because of the state of my credit, they would not be able to process my transaction, and that they'd be closing my account, that day. I did not give XXXX XXXX  permission to check/run my credit, they did not have my consent, or my knowledge that it was even happening. 

I have no late payments to this account, I pay every month, on time, and can't understand how or why this happened. To date, I have not received a letter explaining this decision, as companies often do when you're denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In several occasions including XX/XX/18, a representative named XXXX, has contacted me via telephone while at work. She has been very rude with insults, profanities, and threats. While attempting to resolve the default situation with XXXX, I have asked XXXX for her superiors contact information to resolve the issue with someone else without insults and threats. She has refused to give me the information. Upon refusal to speak with XXXX, she began calling my mother and father along with her third part affiliates. She disclosed information about my debt in violation of fair debt collection acts. She has contacted them on numerous occasions despite being told in writing to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRA. XXXXXXXX XXXX posted an inquiry in XXXX of XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.

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 2023-09-01
Company: Block, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX my wallet was stolen in XXXX, MN, and shortly after it was stolen some of my credit/debit cards were used to purchase goods from XXXX XXXX and XXXX XXXX XXXX XXXX As soon as I noticed my stolen wallet I locked/canceled all of my cards and called XXXX PD to file a police report. 
( Case # XXXX ) I was working with XXXX Police Officer XXXX XXXX XXXX while filing the report. 

I called Square, one of my card providers, to report 4 different unauthorized charges on my Square Debit card. The representative informed me that I would have to wait for the charges to clear before a dispute could be started. 
Once the charges cleared, I reported them as fraudulent and Square opened a dispute for the 4 separate charges. Square investigated all 4 charges separately, and seemingly did so without noticing how all 4 separate charges were made within about 15 minutes. 
A day later, Square emailed me to notify me that the disputes had been lost and they werent going to reimburse the stolen money. 
I tried, multiple times, calling Squares customer service only to be transferred again and again without any of them being able to address the mistake, escalate the complaint, or give me any information regarding why the disputes were lost or how to challenge the decisions. 

Squares dispute investigation did not contact me, or look at the obvious break of pattern in my card spending, or notice how suspicious the charges were ( at XXXX XXXX : XX/XX/XXXX {$510.00}, XX/XX/XXXX {$540.00}, minutes apart ; and at XXXX XXXX XXXX : XX/XX/XXXX {$370.00}, XX/XX/XXXX {$370.00}, also just minutes apart )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My XXXX credit score decreased by 38 points and the reason is not clear. I have over $ XXXX in credit with 100 % on-time payments. I have consistently kept my credit card balances within 2 % to 4 % per card and total credit across all cards.. I typically pay balances in full immediately or within 60 days. I had to replace the a/c in my home and used ~ {$7800.00} of one card that has a credit limit of over $ XXXX. My credit score immediately plunged and continued to decrease with each subsequent purchase. 

I worked very hard for nine years to increase my credit score from low 600s to 800s. I have earned my credit and should not be unduly penalized if I occasionally have to use my credit. My total balance owed across all cards is less than 10 %. I have significantly paid down or paid off installment loans while managing credit cards.

I can not understand the reason for the drastic changes in my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
This Car loan was opened in XX/XX/2011, XXXX XXXX  has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up on this 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 2021-03-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX  XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX  XXXX XXXX Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX  XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX  XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).

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 2019-11-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I went to the branch in Minnesota because my daughter is going to college in that state. I reside in Hawaii and is needing a teen checking account so that my daughter has an account with Wells Fargo because her dad also banks there. The banker force us to opening another account with just my name on there without disclosing fees. I was informed that it would be a free account but later on found out that there's a monthly fee on the account and overdraft fee that they are refusing to be returned. I would like to have the fee refunded and close the account but I can't do that unless the fee is refunded. I would like to complaint because they illegally opened this account by forcing me into it and charge me fees.

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 monetary relief
Consumer complaint received 2023-04-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, I noticed my credit score went down by XXXX points. When I opened my credit report, I discovered there was a credit card not opened by me, that had about a {$750.00} unpaid, overdue balance. I never opened this card and reached out to the company. They had a hard time finding my account and after multiple tries, they were able to find my account using my maiden name, which I have not used in over 6 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, I received a letter from my current mortgage company ( XXXX XXXX XXXX ) informing me that they sold my mortgage to Carrington Mortgage Services , LLC . As of today, XXXX XX/XX/2018, I have received no information from Carrington, who according to XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/2018. I believe that they ( Carrington ) are legally bound to notify me that they are taking over my mortgage within 15 days of the transfer date, and provide me with the appropriate information to continue to pay my mortgage. They have not. Please advise on what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief