BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Fraudulent inquiries

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 2020-02-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, my mileage for XXXX  ( XXXX XXXX ) was shutdown from XXXX. Citibank is the administrator of these XXXX  credit cards I signed up for. 

I followed Citibank 's sign up bonus terms and conditions, including spend requirements, to achieve miles by the sign up bonus and spend for my XXXX   mileage account ( XXXX ). However, XXXX XXXX claimed my points being obtained were exploitativly obtained. Citibank Credit Cards therefore are responsible to the damage that XXXX XXXX has caused me because the points were considered exploitativly obtained. Citibank should have provided these miles to customers in a nonexploitive manner, and provided promise and security to its clients that they would not be taken away from customers who fulfilled Citibank terms. Now I have signed up for many credit cards, spent many tens of thousands of dollars, and become the victim of Citibank 's devious practice and lost all of my rewards because of them! This is totally unfair that I am screwed for something Citibank did.

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 2023-09-18
Company: EQUIFAX, 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:
I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: CT
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 was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.

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 2022-04-07
Company: Meridian Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I got XXXX timeshares with XXXX XXXX, I became unable to maintain this account and got notice that the properties was going to beforeclosed. And that I had a chance to surrender it, so in XXXX I surrendered the properties back to the resort. Since then I have fought to remove this off my credit report its 10 years later. The originator collector was XXXX and over time they have given this account to different collections agencies and saying that it originated in what ever year it is which is not true so right now it is with Meridian and I have disputed this over and over. Please help me remove this problem, I have all email correspondence from XXXX. Each listing is thousands, how is it if you surrendered it back to the resort years ago that you still are fighting years ago. XXXX XXXX XXXX Last reported XX/XX/XXXX {$2900.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 7 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2500.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX  Opened XX/XX/XXXX ( 2 yrs, 6 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open I only had two timeshares that were surrendered back in XXXX and this is what they keep doing these accounts were originated in XXXX obtained.

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 2019-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Everythingelseiskeepmefromgettinganythingidon'thavenocarortruckornothingevertimeItrytobettermyselfbecauseIreallyreallyreallyneedsomecreditstartedhowcanIwhenIkeepgettingdeniedoneverything??allthebankandfinancialcompanyandcardealershiptelluntruefultellnooneouttherewantedworkwithmebecauseiamonXXXX.XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX  years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Credit Plus Inc
State: AZ
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:
To Whom It May Concern : I recently reviewed my credit report and noticed the following authorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
XXXX was asked on XX/XX/XXXX and XX/XX/XXXX to transfer an overpayment of {$1900.00} electronically to my XXXX XXXX XXXX  account. This is because the accidental overpayment caused a large over draft to my checking account. After first saying they could, they refused to electronically transfer and instead sent a check snail mail, causing the customer to suffer prolonged overdraft. Again, XXXX should immediately credit my checking electronically. Once processed and deposited electronically, they can cancel any check that may have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Well Fargo has sent me a customer remediation check for the closing XXXX my accounts with them and has not compensated me for the unlawful violations they have made upon me and my financial ability. In the letter sent to me they stated they assessed service fees and admitted to causing me damage because of funds they stole from my account and closed.

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 2020-12-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hate to be revisiting this issue but this a huge problem on your end that needs to be rendered immediately. You are reporting inaccurate information on my credit report. You are reporting late payments from XX/XX/2020 to XX/XX/2020. Not only did you not notify me of the late payment and the delinquency on my report which is required by LAW. You are also reporting inaccurate information which is a violation of 15 USC 1692 d ( 1 ) and a defamation of character. I have been making on time payments and this account needs to be updated to paid on time immediately or further action will have be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Covid-19 relief plan to defer payments for a total of 6 months. 3 months into the plan, I got partially back to work and stretched to make payments again. 

I was told that the total on a loan modification would be ~ $ XXXX $ XXXXish that would get put at the end of the loan in a non-interest bearing note due at the last payment of the mortgage. 

I got all of the forms back, and the amount due on the loan is DOUBLE. I called to ask what's going on, and they had no information. I was not getting credit for payments that I already paid on. I also now can't see all the information in my account that I used to be able to see, including past payments and such. 

I asked for a supervisor, and was advised no one was around. I was also told there were extra fees being charged. I was NEVER told that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$5900.00}, XXXX XXXX XXXX XXXX : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XX/XX/XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XX/XX/XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : XXXX XXXX XXXX   XXXX AMT. XXXX, XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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 value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Upon starting my new lease I enrolled in autopay to handle the monthly payments. Everything appeared to be set up correctly and the XXXX XXXX site reflected that my account was set up on autopay. When the first payment came due, I received a confirmation email stating that a payment had been made to my account through XXXX XXXX recurring autopay. Upon reviewing the online transaction history through XXXX XXXX, it also appeared as though the payment had been made. Because I previously had problems with misleading items on XXXX XXXX 's payment portal, I logged in to ensure things were ok leading up to my second payment. The page showed that my lease was overdue, but still appeared to show my previous payment being made. When I clicked the button to send a payment, I was prompted to ask if I was sure that I wanted to send a payment as my account was set up on autopay. At this point I contacted XXXX XXXXl via chat where I was informed that my autopayment wasn't working even though it appeared as though the payment was sent the previous month on the transaction history page. I received zero communication that there was an issue with autopay at the time of set up, when the first payment failed, or when I logged into my XXXX XXXX account page. Even when attempting to make a payment, I was dissuaded from doing so since my account was set up for autopay. It seems as though XXXX XXXX is blatantly deceiving consumers in an effort to collect extra fees and late payment charges. At a minimum they should be required to notify consumers that autopay has failed via multiple methods ( email, a prompt on the website when you log in ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: General Motors Financial Company, Inc.
State: NC
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:
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by GM Financial. But despite that, GM Financial continues to report this account on my credit profile. I have been in contact with the credit bureaus and GM Financial to correct this error, but the account continues to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to do a temporary freeze lift in order to change phone companies, which will save me more than {$300.00} per month. Both XXXX and XXXX made this available. Experian made it absolutely impossible to talk to a live agent and required a LETTER mailed to them with the request for a freeze pin included in the letter needed to be a copy of my drivers license and a utility bill. I mailed them the letter with all the information and copies included. It is now 3 weeks and I have still not heard anything back form them. I am now in danger of losing the better phone deal which will cost me more than {$3000.00} annually!!!

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