BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, recently I saw late payments on my credit report from XXXX XXXX XXXX XXXX XXXXXXXX and XXXX that I do not recognize. I also been studying laws that protect me as a consumer and according to the FCRA, transactions such as payments are not supposed to reflect on a consumer credit report anyway. So I have the right to dispute this info and have it updated as soon as possible. I know that this is just a billing error and I just would like for it be corrected and updated to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the Citi Advantage Platinum Select World Elite Mastercard and was approved on XX/XX/2021. 

In order to receive the XXXX XXXX XXXX miles it was stipulated that you had to charge {$2500.00} in 3 months. 

Its XX/XX/XXXX and I still do not have the card and thus have NO opportunity to begin using it. So I called Citi Group earlier today and was told that the card would be delivered 10-13 business days from approval. I was told the period for the XXXX XXXX miles bonus began on XX/XX/XXXX and ends XX/XX/XXXX. 

So Im calling foul. Nothing in the XXXX & XXXX I pulled from the Citi website indicate when the period begins. Citi can delay the delivery of the card as long as it likes. 

To me this is clearly deceptive and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-10-31
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Closing appointment XX/XX/22 for Heloc at PNC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Came in at XXXX the time of our appointment. 
The person we had the appointment with decided to assist a different client. Which made me feel discriminated against. Then we were passed off to a different person, who was not trained to do heloc closings. They were not able to describe the paperwork to us and did not know where or how we needed to sign. They found out that they were missing some of our information because their teller misplaced our checking account information. They made us feel like we were an inconvenience and they were visibly frustrated. Making us feel like it was all our fault. They wanted to reschedule me but that was not acceptable to me. A manager who was not present instructed the individual how to proceed over the phone and we finished the process, or so we thought. 

They made mistakes on how were were supposed to sign and we have had to come back to resign several times. I have made complaints with their company but still I dont have a resolution. My loan closing is not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: IL
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 froze my credit report however Experian, made it extremely difficult to freeze. I took several phone calls. The prompts are misleading. I created a login account however there is not an option to freeze the report. ( The other two agencies were easier to freeze the reports ).

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 2023-03-21
Company: EQUIFAX, INC.
State: WA
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 deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. 
One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with.

How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred.

Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates.

So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Way too much interest being charged.

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 Transunion XXXX XXXX XXXXXXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on 3XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.

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 2023-02-10
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/2022 I was served with court documents to answer to a debt with Credit Corp Solutions that they were trying to sue me for. I don't have any debts with this company. Due to the fact I have never been sued before I had contacted the company to ask what this was about and they just told me it was a debt that was owed to them. I never owed a debt to these people they can after me threatening a lawsuit against me. Originally the company that I reached ( XXXX XXXX ) XXXX XXXX  told me that they sold my information to Credit Corp Solutions and that they had written it off. Also during that time I had my credit reports all shutdown because they were fraud being done under my name as well. I tried to work out something with them but they refuse and decided to persue trying to sue me after I have repeated to them numerous of times that I don't have anything to give them. I told them that I don't have any money and that I lost everything due to COVID but also I knew that there was a bill passed where If you had a certain amount of medical debt it would be wiped away but unfortunately this company still came for me for XXXX and then additional XXXX for court fees anyway. I tried to work out a lower amount with them and they refused so they told me I had to pay {$100.00} a month until its paid off. These people are scamming people out and something needs to be done about it I told them that I would try and pay that amount knowing that I don't have it just so I wouldn't go to XXXX. My parents as in the process of.helping me get a attorney because of how they mishandled this when situation. There are numerous complaints with the XXXX XXXX XXXX about this company doing illegal tactics and harassing people as well. All of the complaints are saying a lot about what I am saying too but now I seeking action against them soon for this I had no idea on how to properly handle the situation at the time I have attached all my supporting documents to why I should not be responsible to pay this company that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Their investigation did not fix an error on your report

Complaint:
An auto loan with XXXX XXXX XXXX went into charge off in 2013 after a medical emergency which left me unable to work for 6 months. Back in 2013 I spoke to the XXXX XXXX XXXX XXXX representative, I got a verbal agreement over the phone stating the charge off would be removed and that he would take care of the credit reporting once the car was paid. I paid the car off in full. I received Paid in Full Letters and a lien clearance letter from XXXX XXXX XXXX XXXX. The charge off 's were never removed from my credit report. Fast forward seven years later. I have disputed these items multiple times. The only credit reporting agency which refuses to remove it is Equifax. I have called over 15 times in the last 2 months. They tell me a different story every time. The representative keeps stating that there is nothing that they can do without authorization. I provide them the authorization letter ( Lien Clearance ) from XXXX XXXX XXXX and they tell me I have to continue to dispute it until it is removed. It has been years of back and forth. The information on my credit report is inaccurate and what Equifax is doing is illegal. I provide them all the information that they request and they refuse to remove it. I recently redisputed the same negative item and XXXX score went down. XXXX XXXX XXXX updated the information that caused my score to go down. Equifax is the worst of the three credit bureau. In my experience, Equifax will side with the lender even if the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Select Management Resources, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
While I was in default of my title loan I decided to trade in my truck to have. It paid off and use the left over equity for down payment on another vehicle. The in house loan depart and I on speaker phone called to get the 10 day payoff amount. While looking for and deciding what to get along with finance options the title loan company continued to call the dealership days after harassing them about the truck also. This happened more than once. Discussing my account with the owner of the dealership. In return I did not get the loan. Imagine how hard it is to recieve a auto loan when a title loan company continuing to call the dealership about a default auto account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX : Huntington Bank Customer Checking XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EMBEZZELEMENTS, CRIMINAL EXTORTION, MISREPRESENTATION, MURDER Parents Estates XXXX COUNTY XXXX OHIO, XXXX XXXX XXXX XXXX Father LIVING, Mother XXXX XXXX XXXX XXXX COUNTY Estate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Mascot XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX Bank {$300.00} US Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio Commute Huntington Overdraft Fees Food Items, Substitute Checks Ohio Court of Appeals Fifth District Court Filings. Experience XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX XXXX University

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I made a cash deposit at the TD bank XXXX XXXX XXXX in NY. The ATM took my money, however did not credit the account and said on the receipt " forced deposit {$2000.00} ''. It was end of day I went into the branch to complaint about what had happened with the ATM and my money, three TD bank workers were there and told me there was nothing they could do for me to wait until the ATM gets serviced and they would take care of it. I had no idea I had to do anything else. I trusted their word and off In Went. Two weeks pass and there was no money in n my account. I called the general customer service and they said that I was in supposed to file a dispute the day it happened at the branch. They opened the dispute and I waited for a week and nothing. I called the branch and was told the dispute was the wrong one and the right one was submitted. Three days ago I saw the XXXX on my account and the next day it was removed!. I called the customer service and they said their so called investigation was closed and that probably the ATM returned me the money. I asked them to show me the footage of the machine doing that because that never happened,!. They didn't even bother to look at the cameras. I challenge them to do that. Now the branch is saying for me to show them the ATM receipt when customer service can see the copy from the ATM they told me they could see what the receipt says. I'm getting the run around from this bank. Whoever serviced the ATM is pocketing my money since the branch is saying is not them. Please help me recuperate my hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions 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, XXXX XXXX XXXX, are verifying that I XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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