BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I sent a 3rd party debt validation letter to WAKEFIELD & ASSOCIATES requesting any contractual agreement between me and their agency and to this date NO proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$730.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), WAKEFIELD & ASSOCIATES has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit report as pursuant to 15 U.S.C section 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX I called Equifax after receiving my credit report and noticed the extreme amount of inquiries that I have no Knowledge of. I asked Equifax to please remove these inquries off of my credit report because I did not give any of these companies authorization to run my credit. I was told that they would not remove them. 
The inquries are as followed. XXXX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX INVESTIGATION COMPLETED ALL ** UNAUTHORIZED CONFIRMED A YEAR TOO LATE. NO Permanet Fraud Credits were provided by usaa. See also attached Mail Fraud Criminal Investigation Letter of USPS NON DELIVERIES US Postal Inspection Services XX/XX/XXXX. When no permanet credits were provided by usaa I requested a review. See attatched usaa statement of XX/XX/XXXX ADJUSTMENTS TO ACCOUNT ( NO DOCUMENTATION OR EXPLANANTION WHAT FRAUD TRANSACTIONS DATES THIS IS ADJUSTING. ) See attatched XX/XX/XXXX, XXXX REVIEW OF YOUR CLAIM IS COMPLETE. No Fraudulent Activity Found?? After Review of Your Claim.?? How could that be true? USAA LEAVES CONSUMERS WITH FRAUD UNRESOLVED. After reseaching transactions months later I discovered I DID NOT OPEN THIS ACCOUNT. USAA KNOWS THIS IS FRAUD AND HAS DESTROYED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately. 

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received and accepted an offer 2 mo ago to open a " Flex Loan '' with " fixed rate of 9.99 % '' & " monthly payment of {$96.00} ''. Before I accepted the offer, I paid off all debt on the Citi card from which the offer initiated to start with a XXXX   balance and maximize the low interest rate of the " loan '' up to my credit limit on my Citi acct. 
Citi changed my loan payment by 17 % immediately, by 26 % on the first statement and by 35 % on the 2nd statement. They first said the variance was interest. I told them a loan payment includes both the principal and the interest : that's what a fixed rate loan is : your monthly payment is always the same. Then they said I had additional charges on my account. I didn't and my statement indicated so. Then they said there was a {$25.00} " minimum fee ''. I told them again, my payment is far over {$25.00} but there is no minimum or maximum payment on a loan. The " minimum '' is the payment amount ; you pay the payment amount or default. It includes interest. If you pay more than that it goes toward principle. If you charge me more than the loan amount and don't credit it towards principle, you're charging me interest on the interest and your advertised 10 % fixed rate APR is false. 
I was never late on a payment ( which they didn't deny ). It's set to autodraft. This is inexplicable by any math. My math : Loan AMT x APR of 10 % x years in the loan term = total interest to be paid. Total interest + loan amount = total amount due over term of loan. Total AMT due / # of mo in term = monthly payment. 
They went back & forth to their payment calculators several times coming back with a different amt the payment should be & nonsensical explanation every time. This is arithmetic. It doesn't require a calculator but noone at Citi ( spoke to 3 supervisors ) can follow it. Or so they'd like you to think. 
This is what's going on : I had next to nothing on that card bec of the bad 27 % interest rate ( advertised as 12.9 % ). So they advertised a false " loan '' product to get me to move funds over from another card with what should have been a higher interest rate and then changed the terms immediately so that the " loan '' rate ends up being worse than the interest rate I'd pay even on the higher interest Citi card, had I been using the card and making direct purchases regularly. Citibank : you pay 27 % interest off the bat on purchases, or they trick you into paying 35 % on a false " fixed '' rate " loan '' product. Predatory Crooks the type that crashed the economy in 2008. Please remove their licenses.

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 2017-11-13
Company: Experian Information Solutions Inc.
State: IL
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:
I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ),  XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.

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 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I also found out that there is a home equity loan taken out of my name in XX/XX/2018I dont know what else

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
I disputed inquiries from my credit report since I have never authorized them. XXXX had removed these already but Equifax is still reporting these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.

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 2017-07-07
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: LA
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:
I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix the accounts XXXX/XXXX   XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Continental Services Group, Inc. d/b/a ConServe
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: Old information reappears or never goes away

Complaint:
XXXX XXXX College reports to their collection agency Conserve negative inaccurate information account XXXX shows on my credit report. As of XX/XX/XXXX, this account with XXXX XXXX College- XXXX XXXX was open, and closed on XX/XX/XXXX ; the first date account late XXXX XXXX. The statute of limitations has expired as of XXXX XXXX. XXXX XXXX College- XXXX XXXX account is seven years expired as of XXXX XXXX. I have contact Conserve, and XXXX XXXX College twice in regards to removing outdate negative account from my credit report ; this issue has not been resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: LA
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 account showing multiple entries on this student loans on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete

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 2017-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a previous complaint with CFPB and I have just received a credit report from Equifax showing the amount still owed, CFPB Complaint number XXXX. 

This account must be marked closed as I see it listed as late with a full balance showing. 

See attached report and original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Credit inquiries on your report that you don't recognize

Complaint:
New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type Inquiry Processed Date XX/XX/2017 Inquiry Date 2017-XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, 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 status incorrect

Complaint:
This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX - Company Sold-to SOLD TO ANOTHER LENDER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On Thursday XX/XX/2020, American Express approved me for a new credit card. Application ref XXXX With an annual fee of {$99.00}. When I applied for a credit card with NO annual fee they declined me. Application ref XXXX on XX/XX/2020. American Express only approves me for cards with annual fees, and declines me for cards with NO annual fees. This is not fair. American Express needs to give me a valid reason for this. Instead the American Express rep says its just luck of the draw.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Siggi LLC
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: Their investigation did not fix an error on your report

Complaint:
I file a fraud report back in 2016 with the county of XXXX Police department and submitted to all the creditor that it affected. But the information is still showing on my credit report and XXXX  XXXX XXXX sold the account to a debit collector and now I have both of them reporting the debit to 3 credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received through my credit monitoring an alert that a collection was added to my credit report. I sent a validation letter to make sure that this was my debt. I called XXXX XXXX and they acknowledge that they did, in fact, receive my payment and that it was deposited. I verified this but this collection agency will not remove. In fact, they updated this in XX/XX/XXXX as owed debt {$110.00} as retaliation and showing still owing the debt hurting my credit score on all 3 credit agency 's ; this has impacted my perfect credit score. This check was sent in and paid, the medical office misplaced this and deposited it on XX/XX/2019. XXXX XXXX XXXX illegally, misleading information and illegally filed collections when it was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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 status incorrect

Complaint:
This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER

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 2017-11-13
Company: BARCLAYS BANK DELAWARE
State: IL
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:
Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.

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 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
We refinanced our primary mortgage with XXXX XXXX in XXXX, received a cash out and paid off our existing second mortgage with XXXX XXXX XXXX. We now only have one mortgage account with XXXX XXXX. All the financial information for the transaction was sent the XXXX, XXXX and Trans Union. During my recent XXXX annual credit report check, I found that everything at XXXX  and XXXX  was exactly correct. Trans Union still listed the closed second mortgage account at XXXX XXXX XXXX as open. When I called Trans Union about the error, I was told that they only report the information that they receive from the financial institutions. Considering that all three credit reporting agencies received the same information, Trans Union has no excuse to report the information incorrectly. This is not the first time that I have had trouble with incorrect credit report data from Trans Union and a difficult time getting it fixed. 
Any help would be appreciated. Thank you

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