BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: MD
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 or about XX/XX/XXXX, I discovered that Experian incorrectly reported two hard inquiries back to back one from XX/XX/XXXX and another XX/XX/XXXX from the same company. On XX/XX/XXXX, I had previously contacted the issuer XXXX XXXX XXXX who had agreed that one of the two inquires was a soft inquiry rather than a hard one. I reported the issue by mail to Experian and included the correspondence from XXXX to my dispute. On XX/XX/XXXX, Experian claims an investigation was made, the result was no resolution. My current report regarding the inquiry from XX/XX/XXXX does not show contact information of the requester, but still appears as a hard inquiry. 

The credit issuer and I agree that the inquiry should be a soft inquiry and not appear on the report. Experian continues to report incorrect information despite no information to justify publishing the false entry.

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 2023-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this complaint are : drivers license social security card address complaint screen shot of whats happening Fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : DISCOVERBANK  XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$820.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid the total statement balance between XX/XX/XXXX and XXXX XX/XX/XXXX by due date of XX/XX/XXXX, but got {$57.00} interest charge. 
On XX/XX/XXXX, I made a purchase of {$3900.00}. The statement between XX/XX/XXXX and XX/XX/XXXX shows that New Balance Total {$3900.00} ; Total Minimum Payment Due : {$39.00} ; Payment Due Date : XX/XX/XXXX. 

On XX/XX/XXXX, I had {$62.00} of a statement credit. On XX/XX/XXXX, I scheduled a online payment of {$3800.00}. On XX/XX/XXXX, {$39.00} automatic payment was credited to the account. By XX/XX/XXXX, the total statement balance of {$3900.00} has been paid off. But {$57.00} interest charge showed in the statement between XX/XX/XXXX and XX/XX/XXXX. 

I have contacted the Bank of American and asked them to send the reasons and document about the charges, but I have never received. I filed on XXXX site, Bank of American has never replied also!

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 2019-05-10
Company: CITIBANK, N.A.
State: CA
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:
This email concerns the banks decision in the dispute I opened in XX/XX/XXXX, regarding the transaction of {$270.00} charged by XXXX XXXX XXXX XXXX A XXXX on XX/XX/XXXX. 
Im writing to you out of frustration of dealing with the banks transaction dispute department in regards of this transaction.. This merchant has been playing games for long time with unsuspected tourists and visitors because he thinks that can not get back to him just because they are from a different country. This merchant is a car rental company, and the transaction was intended to be an incidental authorization hold only for a pre-paid car rental. That authorization was supposed to drop off by itself after returning the car. 
Apparently, this merchant process those kind of transactions as a sale to keep the money for himself with no right to do so. Weve contacted the merchant multiple times and he lied and said that the transaction should be dropped and he has nothing to do, until he stopped answering our phones completely. 
Then I filed a dispute in XXXX, but didnt hear from Citi Bank until XXXX, asking me to provide a proof of return, or a credit slip. I tried to explain many times in writing and over the phone that the transaction does not involve any merchandise and thus there would be no credit slip, but no one is listening and apparently not reading my email, and they just repeat the same request of this proof of return. 
Its not fair that the bank just close the investigation this way, this is the last thing we would expect from the bank. We dont really know what kind of credit slip we could have from a car rental company that ran your card for incidental insurance. I want to ask every person in your department is s/he ever got a credit slip from XXXX, XXXX, XXXX or any car rental company in the world after returning the rented car. 
This merchant is 100 % dishonest, and we expected a stronger stance from Citi Bank, by instead of asking us an impossible and illogical request, it would ask the merchant why he charged this card, and what service, merchandise or anything he provided for this money. But unfortunately the bank is helping this merchant to get away with money he has no right to. 

Please note, we had the same exact problem, with the SAME merchant, for the exact same amount in XX/XX/XXXX. But at that time we thought it is just an innocent mistake, and after trying to contact the merchant multiple times, we sought the banks help. But now it is very obvious that the merchant is doing that systemically and deliberately.

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 2019-05-10
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued

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 2022-09-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I opened a credit card in XXXX through suntrust bank to pay for a home repair. I Paid off the balance of that card in XX/XX/XXXX. Apparently the credit card was bought out by Truist Bank. I was never made aware of these changes. I have not used the card since I paid it off. XXXX XXXX alerted me of a delinquent account this month. After further review, I noted Fraudulent charges occurred on this credit card XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to close the account and file dispute paperwork through the fraud department. I spoke to both the fraud department and the account department. Paperwork was supposed to be sent to me to dispute charges, and the account was supposed to have been closed at that time. I never received any confirmation from Truist about these interactions via email or postal. I called again on XX/XX/XXXX for written confirmation. The account was never closed and the fraud department claimed they couldn't even find the account. All I got was a run around and the account which was supposed to have been closed was still open for criminals to continue to use.

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 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am involved in a debt lawsuit with this company beginning in XXXX and ongoing. 

The company failed to send a required XXXX XXXX prior to lawsuit. 

The company has filed multiple false and misleading affidavits in this case ( Attached ). 

Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. 
This is in violation of XXXX 's recent XXXX agreement with the CFPB and the FDCPA. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2. This company has no permission to report anything using my information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Shellpoint Partners, LLC
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam : Shellpoint Mortgage Servicing, the servicer of our mortgage loan at XXXX has recently obtained our loan from XXXX XXXX XXXX. Please treat this as a Notice of Error pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 
Shellpoint notified us in a letter dated XX/XX/XXXX that we have been imposed with forced placed hazard insurance. The amount of coverage on this policy is {$250000.00}. There is no value remaining in the home and/or is the home in an insurable condition. The original lender, XXXX XXXX XXXX failed to follow the Flood Disaster Protection Act of 1973 and we lost all of our personal property and newly purchased home as a result of it. There is no basis for forcing hazard insurance as well as the unfounded amount of coverage they implemented. This is a violation of 12 CFR 1024.37 ( b ) and ( c ) 1. 
We are wrongfully being charged {$2000.00} worth of an annual premium for a policy that does not cover anything. Additionally, Shellpoint mortgage servicing is defrauding an insurance company for a policy on a home that is uninsurable. 

Thank you in advance for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2021-03-12
Company: Experian Information Solutions 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:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Google Compare Credit Cards Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Google XXXX owes me {$200.00} for the Trade-In of a XXXX  XXXX. So far, they have not paid as promised. 

The Following is the latest of several communique to Google XXXX, for credits owed for the trade in of Google XXXX  XXXX. The email below explains the problem. 

: To date, I have yet to receive the money you owe me ; neither for the unused coverage ( {$52.00} ), nor for the return of the XXXX  XXXX ( {$150.00} ). You keep giving the reasons that ; ( A ) The account must be fully closed, and ( B ) You need 30 days for processing. The Account has been closed since XX/XX/2021 ; that's 127 days ago. The reasons for the refund had nothing to do with either. The {$52.00} is due for the Traded-in of the equipment before the end of the coverage term and the {$150.00} is for the return of the equipment itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-11
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: Personal information incorrect

Complaint:
Please remove the names, XXXX XXXX XXXX and XXXX XXXX from the 'Also known as ' field from the personal data portion of my report as this information is inaccurate and not correct.

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 2022-09-13
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit karma told me I had high approval ratings on certain credit cards. Went to fill out the application and was denied. It happened 2 or 3 different times at different points in my credit history

Company response to consumer: Closed with explanation