BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: GA
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for 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 explanation
Consumer complaint received 2022-05-13
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: Investigation took more than 30 days

Complaint:
Account # XXXX XXXX  XXXX XXXX This account is not mine i have reached out the company and they have not responded to me it's been over 30 days and i want this removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: DISCOVER BANK
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Credit Line was suspended in XX/XX/2023 due to non payment. I was not aware of this until XXXX, 2023, as I tried to use the card for a purchase. In XXXX, 2023, i paid off most of the account, not knowing it was suspended. The account manager i spoke with, did not inform me that my account was suspended. I put myself in financial trouble trying to pay this balance off. 

The reason why the card was maxed out was that i had XXXX in XXXX and so did my daughter. I had to purchase everything with XXXX XXXX. It was very expensive. 
Since, my suspension, i was told nothing more than suspension reviews were conducted every month. I was given no review, or opportunity or even instruction on how to re-instate my account. 

In XX/XX/2023, I spoke with a review manager on the account and was told that my account would not be re-instated until my debt was paid off on my credit report from another company, not Discover. 
How is this right? I am forced to pay a credit card i can not use, and not able to use it because I owe a different company money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
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:
I got a message from XXXX saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with chase bank I have never had a chase bank account I called Chase bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for Amazon it was not mine I then called XXXX and requested a fraud prevention as well as it to be removed from my XXXX credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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:
I got a message from Experian saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with XXXX bank I have never had a XXXX bank account I called XXXX bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called Experian and requested a fraud prevention as well as it to be removed from my Experian credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my XXXX, Transunion, and XXXX credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open : XX/XX/2023. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2023-07-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I I recently use my debit card to complete a purchase on XXXX XXXX  for my XXXX  birthday party the XXXX  ended up scamming me and not writing me back I have proof from text messages and request trying to get my money back no answer I reached out to my bank to dispute the transaction they told me because of the type of transaction that it couldnt be disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX XXXX. XXXX XXXX reported 4 late pyts to Experian which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and Experian ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX School after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my XXXX grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call Experian saying perhaps they could help me. All Experian did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX hospital to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.

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 2023-02-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FIfth third bank filed a complaint to garnish my wages for an account Ive had no knowledge of and that I never opened, I was contacted by a mediate company randomly stating I owe a sum of {$1100.00}, I tried to explain that I never had a account with FiFth third bank and that I was a victim of identity theft years ago, the address they have on file for the account was a address I moved out of over 10 years ago and from what I was told the account was sent to collections in 2019, also I contacted the Fifth third bank customers service and they could not give me any information on when the account was opened, I never received ANY mail or letters pertaining to this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted several times to figure out why the interest and principle amortization has not been adding in correctly. I get several vague answers that dont make financial sense, i have requested a copy of my original contract and the company claims that 2 times they mailed me the contract, but i never received it. But in the time in between requesting it and now, i have received physical copies of my actual billing statement. They claim the only way to receive the contract is by fax or mail. I requested by email and they have said they would ask but at this point i do not believe them. The business practice has been less than above board. They are over charging me from interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for Wayfair card with a credit score of XXXX of XXXX. Made a purchase that could have gotten {$40.00} by using a new card. Waited for the response for approval and it never came. After multiples attempts to find out if the card has been approved, found out on my own that they did not. Gave me some general excuse about " income '' that did not make sense. Wrote them back by email, and was ignored, sent a letter and was again ignored. In the letter I document, other three instances o card being denied and with a checking account in Citi Bank with balances over XXXX at times, XXXX when less to avoid paying bank fees. This when they paid .01 % interest. Citi Bank at the same time denies credit card when I apply for them, offers me a {$30000.00} loan. If I am not a good candidate for a " credit card '' how am I a " good candidate for a XXXX loan? Something is happening and they keep denying credit to me when is a credit card involve even when the card carries a fee. Letter explaining in detail all these attached.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
+ Payment - MyAccount ACH XX/XX/XXXX {$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and I sitting here telling that to the customer service Payment - MyAccount ACH XX/XX/XXXX. 
{$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and still, they are saying that I owe {$360.00} due on XXXX when I have already paid them money of {$300.00} and I just owe only {$69.00} plus {$18.00} and I just got off the phone with them and my XXXX XXXX went up because of them and their telling me like when I get an extension I have to pay for that but nobody never said anything to me when I have gotten an extension all that I was told like when I make my last finale payment in XXXX I will have to pay off that amount that I owe and since when have anyone has to pay for that extension. and not to mention that Westlake Financial is the worst business on XXXX XXXX XXXX and they tell me when I pay half of my car note it charges for late fee and interest but when I add money to my account it's going to let me know what the correct amount that I owe plus the late charges because I have done it before to where I put {$200.00} and it left me with the remaining balance of {$160.00} pass due and they still won't correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: TX
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 contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME XXXX XXXX XXXX XXXX XXXX {$4800.00}

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 2020-06-09
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation