BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2023-09-19
Company: EQUIFAX, INC.
State: PA
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'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 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX  XXXX XXXX and got a loan threw Santander with an extreme bought interest rate 26 percent. The car had XXXX mille on it when I purchased it at XXXX miles the motor looked up and I had to have a replacement. The notes were XXXX $ a month even though The car did not work i still paid. After i had The motor replaced XXXX miles later the car transmission went out. I was still paying never late. When the transmission went out i gave up and let XXXX have it back i am a single parent, with a non running vehicle i was paying an outragious note on. I turned the vehicle in and quit paying. 
Santander knew i could not afford the vehicle yet they knew i was disperate and sold to me at high interest which should be illegal. I would like the XXXX $ on my credit for the lemon taken off please. I would of kept paying on it if it ran, or Santander would of lowered my interest rate. 
Please take this into consideration. Santander is committing price gouging when it comes to people who they know can not afford there interest. XXXX, disperate people who need transpertaion. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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:
When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX. that I did not do. 

XXXX XXXX XX/XX/2021 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-07-28
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-06-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Was purchasing Airline tickets on Frontier Airlines website on XX/XX/XXXX of this year. They had an offer for their credit card, for if youve approved you can use the card to purchase the tickets. Was approved and continue to purchase, but there was an error utilizing that card. Called Customer Support for the Frontier Airline card and discussed the issue. After going back and forth with him, he stated that was a well known issue and nothing he could do at this time, it sometimes takes a day or two to the symptoms to sync. Also stated that the {$89.00} annual fee isnt charged for the first year. Asked him a few times, just didnt believe him. 
So I applied for the card to pay for the tickets, couldnt use the card, as soon as your approved the account is opened and I owe the {$89.00} fee. Can not cancel once approved. This is a scam that Frontier Airlines is using. The customer service representative that I just spoke with also said that it was a well known issue with not being able to use the card to purchase the tickets. They advertise it with a {$200.00} statement credit, so of course thats a lot of money towards the tickets. Again couldnt use it, cant cancel the account without owing them {$89.00} fee. Again they are aware of the issue with purchasing. 
That to me is a scam!!!

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 2023-11-24
Company: Sezzle Inc.
State: AR
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:
Sezzle charge payment to Preply in 4 for {$120.00} starting XX/XX/2023. 
Next payment to Preply on XXXX XXXX for {$120.00} Third payment to Preply on XXXX XXXX of XXXX Fourth payment is scheduled on XX/XX/2023. Charges I did not make!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I unexpectedly lost my job in XXXX and I contacted Fifth Third Bank in XXXX to discuss mortgage relief options. 
I requested mortgage relief assistance on XX/XX/2023 from FifthThirdBank I called the phone number and was told to apply online. 
I uploaded the form online and my mortgage relief application was closed on XX/XX/XXXX  No one contacted me or told me why it was closed or what additional information is needed to continue with the mortgage relief assistance program. 

I contacted the support via messaging and they told me that I had never applied and there is no application open and that I need to apply again. 

I called the support phone number again they said the same thing that I had never applied and no application is pending and then proceeded to give me circular answers that I need to call and check on it while the application is open. There is no record of alerts, messages or any information regarding my application status, it was closed without any notes or details. 

None of this makes sense, I am not being provided with proper guidance or assistance and from my perspective they are closing my application, not telling me why and not providing assistance during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I called and spoke with A supervisor who was rude, disrespectful anx hung up in my face by the name of XXXX agent ID numbe - XXXX. I have expressed I have been unable to get my credit report or see any of my information and she stated I had to submit my drivers license which I have done prior. I explained to her I have completed that process and this company has refused to resolve the issue. This has been going on for over A year now! I informed them my last name was no longer XXXX and had been changed to XXXX and I provided my drivers license as proof. They have not updated any information in their system and instead keep asking me to resend the same Drivers license I have already sent now 3 times! I was A victim of fraud and need to have access to my credit report to go over. I have been unable to access it threw my XXXX XXXX  i have been unable to access three myequifax profile. And I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I completed all requirements for Citibank 's " Citi XXXX Account Package '' {$700.00} checking promotion, however I did not receive the advertised bonus. On XX/XX/21, I opened the account on their website via the promotion 's landing page. Eligibility confirmed by providing zip code. On XX/XX/21, I deposited {$51000.00}. Per the bank 's terms, I maintained a balance greater than {$50000.00} for 60 days ( XX/XX/21 to XX/XX/21 ). The {$700.00} bonus is supposed to post within 90 days of meeting those requirements per their terms. Thus, I am supposed to have received the bonus by today ( XX/XX/21 ). Additionally, I maintained a non-XXXX balance of {$25.00} in the linked savings account attached to the account. " The terms stated : " Earn {$700.00} when you open a new checking and savings account in the Citi XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. ''

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our residential property at XXXX XXXX XXXX, XXXX, OH XXXX was purchased on XX/XX/XXXX. The mortgage loan was refinanced with XXXX XXXX  on XX/XX/XXXX and concurrently a Home Equity Line of Credit ( HELOC ) for {$15000.00} was established. Subsequently XXXX sold the mortgage loan to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and the HELOC to Rushmore Loan Management Services ( RLM ). 
The mortgage loan was fully paid off on XX/XX/XXXX and the lien was released by XXXX in XX/XX/XXXX without any complications. 
The HELOC with account number XXXX continued with RLM even though funds have never been borrowed through that facility. 
In XX/XX/XXXX, RLM arbitrarily informed me that the borrowing facility would no longer be available. Their decision to freeze the HELOC was based on some unknown reduction in my credit score. My credit reputation has been and continues to be unblemished and their action was unjustified. Not only did they deprive me of this financing facility but they have continued to deny me the opportunity to obtain similar financing from other institutions. 
In repeated correspondence with RLM they are insisting that I should pay a {$40.00} fee for releasing the lien. This fee is not stipulated in my original agreement with XXXX nor was it assessed when the mortgage loan was paid off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove the extended fraud alert from my credit file. 
My current address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Please ensure the only contact number on file is 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 2022-07-08
Company: BARCLAYS BANK DELAWARE
State: MD
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:
XX/XX/XXXX RE : FRAUDULENT CREDIT CHARGES : BARCLAY BANK OF DELWEAR CHOICE PRIVILEGES VISA SIGNATURE ; XXXX XXXX XXXX This notice/letter of compliant regarding Barclay Bank of XXXX  De XXXX XXXX 
To reinvestigate credit charges of {$460.00} including late fees and interest. 

To date, I have sent certified letters ( dated ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Barclays Bank hasnt replied to the specific information request regarding unauthorized charges. 
In this reinvestigation, Im requesting the vendors/bank to provide viable document evidence bearing my signature reflects the date, amount, and services provide. Also requesting the names, email- address of individuals you contacted so that I may follow up on any/all data provide must be verifiable information reported accurately. 

In the interim this item should be noted on my credit reports ( XXXX, XXXX, XXXX ) as in-dispute until disputed actions can be solved. 

This issue has been in Non-Compliant with both Federal and State regulations and codes. 
Fair Credit Reporting Act a. 611 ( a ) [ 15 USC 1681i ] ( a ) b. 612 [ 15USC 1681j ] c. 604 d. 623 ( a-3 ) Fair Debt Collection Practices Act 1. 807 ( 8 ) Thank you, in advance for the prompt attention to very important matter. Look forward to having this discrepancy resolved soon. 
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