BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recieved an alert notification from my XX/XX/XXXXXX/XX/XXXX account indicating that I had a new account reported under my ss #. 
I checked my account to my surprised discovered that a citi bank credit card showed reporting under my name and social security number. I know I never sign up for a credit card by citi bank. I am aware that my husband added me as an authorized user on his account but not a responsible party for any financial lost. My husband never gave Citi bank my social security number only my name and date of birth. My husband Clearly made sure Citi bank will not report this as my credit and being responsible for any of the debts while using my husbands citi credit card. He added me as an authorized user on XX/XX/XXXX shortly after we got married. 
Citi bank reported me to the 3 major credit bureaus i e XXXXXXXX XXXX and XXXX. 
My husband contacted Citi bank and explained to them that I was only to be added as an authorized user and nothing more. He also asked them how did they locate my personal information to report me to the credit bureaus. They said it came from XX/XX/XXXX, a warehouse store that requires a membership to shop and paying an annual fee. However XX/XX/XXXX does not required anyone 's social security number to obtain a club card unless that individual decided to applied for a credit card. My husban open a Citi credit card I believe on or aroundXX/XX/XXXX of XX/XX/XXXXHe opened a XX/XX/XXXX XX/XX/XXXX card onXX/XX/XXXX. 
Citi bank reported me the credit bureaus XX/XX/XXXX. 
The call was made to removed me from the reporting and to closed the citi bank credit card. 
I feel this practice is not legal and it is adversely effecting my personal credit negatively and Citi Bank needs to be addressed and inform regarding to this practice.

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 2020-01-29
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was from over 2 years ago, why am I just being notified of a debt I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023 I paid off my mortgage XXXX # XXXX and never recieved my escrow deposit until XX/XX/2023 due to the fact that they mailed it to my old address where the property was sold. The check they send expired and was 90 days old. I tried to deposit the check but it was returned. On or about XX/XX/2023 I requested a new check and was told that a new check would be reissued to my current address On XX/XX/XXXX I was told no check was issued but they would process a new check which would take 30-90 days to process. XXXX in HSBC servicing department claimed that a new check was never sent but would request a new check which would take 30-90 days to issue. HSBC had 12 security questions and since I got one question wrong refused to service my request until my wife called and got all 12 security questions correct which were different than my questions. Getting HSBC to respond is difficult enough but they have not returned my funds to me and its been now 6 months since I paid off their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2022, I went to buy a vehicle from XXXXXXXX XXXX XXXX XXXX XXXX. The dealership contacted PENFED to file an application for financing. The salesman had calculated the payment using the 6.24 % interest rate that PENFED uses ( at the time ) for clients with low credit risk. PENFED responded with a 7.99 % ( 175 basis points higher ) allegedly because my credit report showed certain flaws. The salesman pointed out that the payment wasnt proportionally much higher. 

A few days later, I received a letter from PENFED that showed a credit score of XXXX from XXXX which is considered excellent, ( the credit bureau company they used ). The payment offered at a higher rate does not seem to be much higher, but the interest accumulated over the life of the loan is ( {$5200.00} estimated by PENFED vs {$3900.00} ; a {$1200.00} difference ). 

I submitted a formal request to correct the interest to the proper rate and was declined because PENFED does not renegotiate loans as you can see in their response uploaded. Their representative said they take other things into consideration, but did not care to point them out. 

This seems to me like a scheme to hook up the client with a published interest rate that will not be honored unless you find out what is going behind the curtain. My XXXX credit score is excellent, I do not have major bills because my house is fully paid, my only two credit cards have XXXX balance and there is nothing else.

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 2023-09-25
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 non-monetary relief
Consumer complaint received 2022-08-07
Company: DISCOVER BANK
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:
on XX/XX/2019 an account at XXXX XXXX was established in my name, I noticed that fraud account was reporting on my credit report and tried disputing this account multiple times as identity theft fraud and the end result is, the account is still reporting on my credit report as charged off. when I called XXXX XXXX and supplied the customer rep with my social to look up this account, the account could not be found. I supplied the rep with the account number that i received and was told that the ssn doesn't match what's on their file. I have filed another dispute with the credit agencies to have this information removed from my credit report. I asked for validation of this debt, I have yet to receive it. this fraudulent account has lowered my credit score and held me back from getting approved by apartments, this account has cause me unnecessary hardship. I need this account removed from my credit report and compensation for the hardship I endured. 

the ssn number on the account or application doesn't belong to me, this account needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-10-23
Company: ENOVA INTERNATIONAL, INC.
State: MT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I applied I was under the impression that the loan had an interest rate of 10 %, however the 10 % is charged on the balance of the loan after each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Incomm Holdings Inc.
State: CA
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:
1. heres the predatory company i'm complaining about https : //balance.XXXX/ # / 2. why doesn't vanilla gift card have an online way of contacting them. i demand an email to their supervisor XXXX i have a vanilla gift card but i can not use it to buy anything at a physical store, since they lied to me, i demand they mail me a physical gift for the same amount with no fees/charges/etc.. 

4. the gift cards says " Visit XXXX for more information about your XXXX XXXX XXXX Account. The Virtual account XXXX be used for online, telephone, mail order, and participating physical merchant locations. '' but they don't provide a list of physical merchants. i demand this list

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance and XXXX XXXX. These two organizations used deceptive and manipulative acts to coerce me into signing a auto contract. The two companies did not disclose my right to rescind. This transaction included a Finance Charge which is the sum of all charges according to the Truth in Lending Act. I was manipulated into paying cash as a down payment and making monthly payments for a vehicle. Violation of the Truth in Lending Act holds XXXX XXXX and Credit Acceptance criminally and civilly liable for noncompliance.

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 2022-07-13
Company: Bread Financial Holdings, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: WA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company is fraudulently over charging and not applying my extra payments overcharging for account amounts late fees I never had any knowledge of until this day XX/XX/XXXX when I spoke with XXXX who advised there are late fees on my account that have never been satisfied from XXXX, XXXX, XXXX and XXXX despite I have been paying an additional amount of {$50.00} towards my account for the last three years additionally I paid {$1200.00} in XX/XX/XXXX and on my due date for XX/XX/XXXX the statement amount owed is {$410.00} when my actual amount due per month is {$350.00} despite the pandemic and my XXXX I am being XXXX for money I do not have and violated as a consumer I need this investigated

Company response to consumer: Closed with explanation