BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NY
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 XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked XXXX and TransUnion and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE.  I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.

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 2020-11-09
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car was paid off in XX/XX/XXXX, but the lien never released. I didnt know the lien had not been released until XX/XX/XXXX when I attempted to get another title. I had to pay for a lien release letter but the SC DMV would not accept as it was not the original lender. In XXXX I was told that I would receive a notarized one in the same letter with 15 days, I have. Or received this letter. On XX/XX/XXXX or XXXX, I was told a supervisor would email or call me to confirm this notarized letter had been sent, as if XX/XX/XXXX I have yet to hear from a supervisor or receive the notarized letter from Santander Consumer Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Ive been trying to pay my mortgage online and by phone, which is due XX/XX/XXXX. The loan servicer experienced a cyber security incident, which I found out about through XXXX and a XXXX article. The servicers toll free number has a message indicating their agents have no access to accounts, and there is no option to make a payment. Their website is inaccessible. At this time, the loan servicer has not sent any communication regarding this incident or when it will be resolved, and has not provided an alternate way to make payments.

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 2020-08-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
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:
XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY XXXX XXXX XXXX XXXX IN XXXX CA XXXX IN XX/XX/2019 AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XX/XX/XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XX/XX/XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XX/XX/XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A XXXX XXXX XXXX XXXX LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Bread Financial Holdings, Inc.
State: FL
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:
My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I may be reached at XXXX to confirm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I disputed in XXXX unauthorized inquiries and multiple accounts that are charged off which are wrong and another account that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

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 2022-08-17
Company: Circle Internet Financial
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I invested money in cryptocurrencies via the Circle XXXX app over a period of time starting in XX/XX/XXXX. At some point Circle was purchased by another company, XXXX, and after an initial promise of transition to XXXX, this spring I was informed that Circle was ceasing operations in New York state and I had to sell my investments and cash out my account by XX/XX/XXXX. I sold my cryptocurrency holdings but am unable to withdraw the cash proceeds of {$5200.00} from Circle. Every time I attempt to do so, I receive a message saying " Your recent transaction did not complete because it looks like the street address that you have listed on your account is not a valid residential address for XXXX. Commercial addresses, po box es, and certain temporary addresses will not suffice. '' I am using the same valid and current residential address as before, which I also use with my bank. I have tried linking another bank account and using other addresses with no luck. All my queries to customer support have received no response or the same automatic response with no solution. My money is being held hostage in the app with no explanation and no way to withdraw it before their services are fully shut down.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to demand that you erase and place an immediate block on the fraud recorded beneath my credit report in 4 days of this correspondence. I have got a copy of my credit report and the data recorded beneath doesn't identify with any exchanges that I have made ; in this manner, I am mentioning that these things be totally erased and blocked from my credit document. This is certifiably not an ordinary question. If you don't mind evacuating and obstructing the accompanying data from my credit report in accordance with area 605B of the Fair Credit Reporting Act inside 4 days. I am mentioning that the accompanying items be deleted and blocked from my credit document.

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 2023-04-14
Company: EQUIFAX, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I opened an account with US Bank on XX/XX/XXXX to get a car lease. Account number is : XXXX The billing statement is due on the XX/XX/XXXX of every month and i have been making payments on time upon the receipt of the statement ( paperless billing ). 
What had happened is that i somehow did not get the XX/XX/XXXX statement or went to my junk emails which resulted in not paying on time. 

US bank on the other hand did not reach out to me nor given me a courtesy call to notify me of a pass due situation. Instead, the only thing i received in the " Mail '' was a billing statement with double the monthly amount on XX/XX/XXXX and a side not saying " i am pass due on my account '' as in the attached Statement letter. 

The letter also stated that if i take care of the payment immediately, that can resolve the delinquency situation. I did pay it on the spot as in the attached transaction history ( date highlighted in yellow ). 

I have tried to reach out to US bank many times, spoken with a dispute department manager. However, they keep saying it was my fault. 

I am very careful with paying my bills and my credit history speaks for itself, and from my experience with credit card companies, they do care about customer satisfaction and credit integrity. Unfortunately, US bank just decided to ruin what i have been working on for so long just because they wanted to do so. 

I have almost 30000 $ credit limit combining my credit cards, i also am an XXXX  XXXX at XXXX XXXX XXXX. My point is i do make money and under no circumstances i did not want to pay my bill for US bank. 

I am being very honest and transparent in my complaint and my only hope is for the CFPB to look at it and try to resolve the issue with US bank. 

I have lost more than 73 points from my credit score for an unlawful mistake, i just want to fix the situation because i am trying to get a mortgage and with that late payment to stay on my report, it would be nearly impossible. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying American Education Services for a private loan I took out in 2007 with XXXX XXXX. I have been paying on this loan for several years. The original balance was just over {$7000.00} and the interest for this loan has more than doubled the current principle. I will never get this loan paid off at this rate. This past week they increased the interest rate to over XXXX  %. I am hoping that someone can investigate this and stop this horrible price gouging. I have been late, but only late more than 30 days at one time. All of these years I have been paying, I have paid before the 30 day mark and have consistently paid this loan. Please help me and others who have the same thing happening. Please stop American Education Services from continuing to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for many credit cards and no one will give me a chance because I have no credit history I have an amazing credit score well did before all the places checked it. Im asking how to change this and how I can get someone to give me a chance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good morning and happy holidays I was just notified that Bank of America denied my claim i made for fraudulent charges from XXXX. 

The fraudulent charges added up to $ XXXX and they began around XXXX am on XX/XX/XXXX. I reached out to BofA as soon as i saw the charges and i was told i have to call back once the charges post which i did. 

Tried multiple times to reach XXXX and also sent a total of XXXX emails between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX along with multiple phone calls which i have not received a response to. 

The account was hacked and whoever hacked the account changed my login information, Email address, Phone number and whatever other information they did since i still do not have access.

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 2022-03-31
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2023-04-14
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX Account # XXXX, CXXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Reference NY # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the 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 2019-06-27
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2019, XXXX XXXX opened a BARLCAYS XXXX BUSINESS CREDIT CARD Account # XXXX for XXXX XXXX SOLE PROPIETORSHIP. The card was blocked from the day it was issued. Barlcays recommened XXXX fax in business verification documents to XXXX. Despite XXXX 's repeated attempts to send in the information and resolve the block, Barclays still has not come to a resolution regarding why the account has been blocked. To date, he has been charged an annual fee as well without having access to the card 's credit line.

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 2022-12-19
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:
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