BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I logged on to Equifax through your site. 
They asked me questions about my credit history that would suggest they are harboring falls information about me. Now refusing to release what they have, unless I submit to a ridiculous search. They are miss handling information! Why would they be aloud to collect more than what they have gleaned from illegitimate sources?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
repeatedly illegally denied credit. its always one of the following : 1-using resold data to claim score isnt clean, 2- nothing can be verified ( there was a nexis purge- that over purged data 12mos ago-they will not put in current info ), 3- denial based in regards to other matters never mentioned. 

3x now I have been denied credit or a bank account. My ID has been stolen, my mail stolen over 12 from a residence in XXXX, tn a year ago. My " landlord '' was stealing my mail and misdirecting it. Credit bureaus have refused to fix my reports since, claiming I lived where I have never lived. I can not prove address Ive never lived at. You cant prove a negative. 

As such my credit files DO NOT accurately reflect - 1- payment history, 2-address and other info about me -- which in this case is being used to deny accounts. I have asked XXXX under federal statutes to fix this mess- they are acting like a TS SCIF investigation office at OPM- demanding 5+ years of info from me -- instead of purging 5+ years of information from thier ILLEGALLY COLLECTED DATABASE. 

I demand all companies and bureaus and those holding any credit files to purge all data collected. This data is NOT appearing in the 3 main bureaus for good reason. Any other source is being used as extortion to force payment when there is no legal recourse or reason for the consumer to do so, given they will continue to be extorted. 

citi repeatedly uses old data resold to them each time an inquiry is made. They never request updated info. 

XXXX XXXX  has gone so far out of thier way to ruin me- they claim im a bad banking customer in so many words. I have had XXXX balance with them over 8 years- my disputes were due to VISA network compatibility overseas. All debts were counterclaimed and prviously resolved- yet- they insist that I bank badly and owe them money. I DO NOT.

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 2020-08-31
Company: CITIBANK, N.A.
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:
Look I'm the victim here, this Bank Citibank has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, Citibank was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only 1 XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity

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 2018-03-03
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 is missing that should be on the report

Complaint:
I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not Trans Union, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.

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 2020-05-24
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: Was not notified of investigation status or results

Complaint:
I sent a debt validation to equifax and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. Equifax, along with this company hasnt followed up with me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, 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:
Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: American First Finance, 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:
I reviewed a current copy of my credit report and show inaccruate information listed. Account name AMER FST FIN Account number XXXX is stating an alleged collection and I understand per FDCPA that a chargeoff can not have an open balance and must report {$0.00}. This account is showing an open balance in the amount of {$1300.00}. I have sent many disputes with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Accredited called me today about a debt with XXXX XXXX XXXX or Emergency room ... the person calling kept switching back and forth so I don't  know which. It was for {$250.00}. I asked if they would take a settlement and he started yelling saying they don't own the debt and wouldn't take a settlement. When I advised that because it was with them that meant they purchased the debt he continued to yell and by the end of the call he said he would send it to their legal department even though I offered to pay them if we could work out a settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Account status incorrect

Complaint:
XXXX XXXX  IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019XX/XX/2019 
XXXX XXXX   XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY

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 2020-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I am writing regarding a direct deposit that was issued to my account that does not belong to me. I have repeatedly called customer service to advise them that this direct deposit was incorrectly posted to my account but they do not understand. American Express needs to return this deposit back to the originator as soon as possible. 

The deposit was posted to my account on Friday, XX/XX/2020 in the amount of {$2800.00} from Government Direct Deposit. American Express should check the INDN, this does NOT belong to me and I inadvertently used the funds that were made available. Please debit my account and return it back to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit report and furniture and a store is in my social .i do not know about

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 2020-08-31
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/XXXX I applied to Santander bank to refi my mortgage. My credit card was charged {$390.00} as an application fee by Santander on XX/XX/XXXX. Santander changed the rate after getting my commitment letter, which made it uneconomical for me to proceed with it. on XX/XX/XXXX I have requested in writing to withdraw my loan application. I am attaching the loan withdrawal confirmation letter I got from Santander bank. since then the bank has refused to refund me my application fee.  the fee is clearly refundable. I have tried many times but no success.

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 2017-08-03
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment/payday loan of {$600.00} on XX/XX/XXXX based on a letter I received in the mail offering me this loan. I did not know at this time nor was it disclosed that this lender was not licensed to lend in the State of California. The interest rate was 656 % which was not clearly disclosed during the application process. This is in excess of what is allowed by the State of California. According to the document, I have to make payments in excess of {$700.00} before any of my payments are applied towards the principal. This means I end up being forced to pay interest I have n't accrued yet even if I pay the loan off early. This loan will end up costing me {$1800.00} in interest over 6 months if paid as the company wants. For a {$600.00} loan. I did not realize this company was not operating under federal or state law but instead under Tribal Law. I want all communication to my cell phone to cease including robocalls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Creditor's Collection Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have made numerous calls to this company to no avail asking for documents to prove I owe this claim especially since I have insurance. I have never received anything in the mail to proof the claim or a chance to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking the law.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked XXXX to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to XXXX, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and  they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told XXXX that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called XXXX  I was given false information by one of their costumer reps. Now XXXX is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that XXXX doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to XXXX by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. XXXX isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the 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 explanation
Consumer complaint received 2020-11-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my refinance XX/XX/XXXX through XXXX XXXX. My previous loan that was paid off was with Freedom Mortgage. On XX/XX/XXXX I contacted Freedom Mortgage as I had not yet received the {$12000.00} from my escrow balance that I was owed. This is despite already receiving a letter in the mail stating my loan account was paid in full and closed out. That letter was dated XX/XX/XXXX. 

Upon calling their company I was told that it is sitting in a queue and would take 4-6 weeks to process. I told them that is unsatisfactory to sit on $ XXXX of my money for that long and asked to speak to a supervisor. They stated a supervisor was unavailable and that they would log my complaint and have a supervisor call back. I have yet to receive a phone call and furthermore can not believe this is legal or ethical.

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 2020-05-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My three mortgage loans with XXXX were bought by NewRez ( Shellpoint Mtg ) in  XX/XX/2020. I unescrowed my insurance with XXXX in XX/XX/XXXX and paid my insurance directly to my insurance carriers. NewRez Autodrafted/ ACH my insurance in the first month XX/XX/2020 including insurance. I called them immediately and informed them they were not to escrow insurance of which they adjusted the XX/XX/2020 payments correctly. However after many calls, several escrow analysis, harsh treatments, hanguos and multiple transfers, I have not been able to get them to acknowledge that the XX/XX/XXXX insurance money they ACH collected wrongfully in XX/XX/2020 needs to be refunded to me on all three loans. They simply say we are good, no refund and we are not paying your insurances. I have spent hours on the phone and spent 10 different people conversations today again, with nonresolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the month of XX/XX/XXXX something popped up on my credit report for XX/XX/XXXX for {$3200.00} from Southern management syst. I was never aware of owing any company that amount in that period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
YOUR COMPLAINT Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please

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