BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter via certified mail to XXXX  on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX Equifax tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX  Delaware XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep calling about a person with my last name. Several times a week

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 2020-07-27
Company: CATHAY BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my property back in XXXX and got the 15 years fixed mortgage with Cathay bank. As the rate went down recently, I decided to refinance it to a 30 years loan around XX/XX/XXXX. After a month of continuing late response, I finally got the decision that I was denied on the basis that my current income is not sufficient for their requirement. I applied the refinance for investment property and provided my tax return showing consistent rental income for the past two years. Based on my calculation, the rental income should be more than enough to cover all expenses and I also showed my debt/ income ratio to support this. I emailed them asking for their detailed calculation trying to have an open conversation on details that we might have misunderstood. I listed my calculation of the debt/ income ratio ( 25 % ) which is significantly higher than their requirement of 43 %. the mortgage officer just ignored my inquiry and mentioned they have considered all the numbers. I have our email communication as proof of evidence. I was just left as a confused mortgage consumer and was not provided the kind of professionalism expected from a valid bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: ProCollect, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dates I left the apartments - XXXX XXXX XXXX XXXX XXXX - end of XX/XX/2017. There was nothing wrong with the apartment as I had everything fixed immediately. They got their keys and I thought I was getting my deposit back. 

Amounts They are saying I owe {$2300.00} in fees. I dispute every last {$1.00} as the apartment was flawless when we left. 

Actions I wrote them a letter when I received their letter stating I owe the $ $ that I do not owe them anything and I never heard a response and they have continued to report on my credit reports. I recently disputed it and it was removed from XXXX and XXXX  but then recently added back on. I tried to get a credit lawyer and they have not been able to help. I feel financially abused and it is causing me stress.

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 2019-08-05
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have used my Best Buy store credit card ( CitiBank ) twice this year. I noticed that I had been charged for Debt Protection twice, yet I never agreed to this service. I sent a secure email through their online service and have requested a removal of this service and a reimbursement yet I have not received a response from Best Buy on the matter. 

Two Transactions. 
XX/XX/2019 - {$0.00}. XXXX. 
XX/XX/2019 - {$0.00}. 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 monetary relief
Consumer complaint received 2018-11-09
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee even though a credit to my account ( from a return ) well before the payment due date more than covered the minimum payment due. They stated this is part of their policy but their disclosure ( Regulation Z / Truth in Lending Act ) did not include any such criteria/language. I repeatedly asked to be directed in their disclosure agreement where it stated a credit ( such as a return ) does not count as a payment. They were unable to do so and provided a copy of their Regulation Z / Truth in Lending Act disclosure ( the same one I already had ). I am aware of this practice as such a disclosure is clearly noted for an account of mine from different institution. I offered to provide this example to them but they were not interested.

When I asked the name of their regulator, specifically for UDAAP and Regulation Z, I was told the FDIC and then later told to XXXX  that information.

My phone calls to them lasted 35-40 minutes each, largely spent being transferred or on hold.

The late fee is now the only balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX filed a dispute on equifax credit report. And put a fraud alert with the 3 credit reporting agencies. XX/XX/XXXX called equifax trying to get an update about my dispute. I used the name that i been using for the last 12 years. They do not want to update my name saying my recent lenders sent them that name which us not true because the other 2 reporting agencies have my correct name. Equifax have the correct info. Will not give me the status if my dispute answred all the questions correct. I filed under the name i use. They put it under the name they have not updated saying its the lender. but the lender sent correct name to the other 2 credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX
These inquiries were unauthorized done fraudulently without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX, XXXX Account 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

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 2023-03-03
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 aN 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 non-monetary relief
Consumer complaint received 2017-03-09
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus received my real estate taxes, check # XXXX dated XX/XX/2016 for {$1900.00}. The check cleared my bank account on XX/XX/XXXX. Seterus now claims this bill was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.

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 2023-02-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX my friend lent me money to go to my mother 's who lives hours away so I can help her because she recently had XXXX and she has nobody else. Well there was no possible way that I was able to get the funds off, so I sent the money back to my friend and she tried another way but it didn't work it required her to do some other things she did not have time for so she sent it back to me through this app. Now weeks before this I use this app or account with the same bank they're saying that I can't use now wants verified, I use this service and I was able to transfer money to my husband and then deposit the rest of the money into the account that I was not able to use on the XXXX of XXXX. So I did what they said I sent them the bank statements and everything they wanted and not good enough. But anyways let me backtrack again so I wasn't able to get the funds off and I needed it ASAP, and I read when I googled it what I can do to get the money off of the account was I could use a prepaid card debit card. So I tried that and everything I tried was declined. And then I tried to send money to my friend who has a debit card through this account and he was going to take it off for me then and give me the money. But that was declined and then my account became Frozen. I got an email from a girl named XXXX and she asked for documents that I sent them back in XX/XX/XXXX but anyways I sent the documents and to verify my identity, address and bank statements. I sent those on XX/XX/XXXX and I have not heard nothing back from her even though I messaged her many times, I called support I cried to them, I used to chat box, but nothing has been done yet. I can not get an email back from this XXXX girl. I've done all that was asked of me. I begged and pleaded because this is all the money I have to get to my mother 's. But no response and after calling customer support on XX/XX/XXXX I tried calling again the next day but got a message saying number was disconnected. This company which is Venmo wouldn't accept or let me use my bank account I was able to use weeks ago or anything I tried from the beginning with this money. I was supposed to be at my mom 's Sunday morning and because of Venmo she's been alone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: MI
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:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020

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 2018-11-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
By the Grace of XXXX, I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX. Police report and FTC report enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: MI
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:
From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( Equifax, XXXX, and XXXX  ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX USBK Court XXXX Michigan and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

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 2016-12-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX account that went into collection. another company had the account and now this company have the account stating its a new account on my credit report

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 2021-08-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Been banking with Chime ( XXXX XXXX ) since XXXX. Chime closed my account while I was out of town, XX/XX/XXXX. I had no money and was stranded while on vacation. Chime closed my account for deposits that were made to me by my XXXX XXXX I am a professional XXXX XXXX and I am Enrolled Agent with proper credentials through IRS. Chime requested I send proof showing reasons for deposits and where they were from. I did so as requested. I sent my IRS credentials, Tax Clients documents .... Also, my tax clients sent letters as well. I had another deposit as well and they kept that also. They closed my account with about {$18000.00} available funds. They still have my remaining balance and all I'm asking is they send my money as soon as possible. I was never able to verbally speak with anyone at Chime nor the XXXXXXXX XXXX They always had a recorded message to send email to XXXX. I sent over 25 emails and no resolution. Please help me get my funds from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: WI
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 AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES XXXX- {$270.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$140.00}. 
XXXX XXXX XXXX XXXX  XXXX {$80.00}. 
XXXX XXXX XXXX XXXX  XXXX {$100.00}. 
XXXX XXXX XXXX- {$77.00}. 
XXXX XXXX XXXX XXXX XXXX  {$71.00}. 
XXXX XXXX XXXX {$70.00}.

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 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a XXXX month membership to XXXX XXXX  that I used in XXXX, 2021. In XXXX I tried to book an appointment with the masseus that I had before and she was out sick ; I said I would cancel my membership and they said I could not. I have written letters to the credit card company to no avail. XXXX XXXX finally agreed to cancel most of the membership with the exception of XXXX, 2021. I have called and sent letters to the Credit card company- they are to blame ; they are now charging me {XXXX  plua interest and penalties and late charges. I paid the XXXX} because the credit card company sent my name to XXXX. I canceled my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: MO
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:
XXXX, Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation