BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/First XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are XXXX XXXX  XXXX Account number XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The account should not be showing on my personal profile, this account is a corporate responsibility. That's under a corporation name Vehicle, instead the lender is placing account on my credit.

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 2019-03-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I've been in contact with ace cash express in the past and now i'm receiving calls at my place of employment threatening to have my wages garnished and using profanity The man says his name is XXXX XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-06-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX kept sending me loan dept collection notices and e-mail request for loan payments after I has sent them notices from XX/XX/2018 up and till now to refaim from contecting me and to cease and desist any and all communication with me regarding my loan account number XXXX and direct all communication with my dept consolidation XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX from the Power of the Attorney representation I has provided to the Ace Cash Express Customer Care Dept Collection department..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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:
On XX/XX/XXXX i disputed incorrect information with Experian and XXXX  to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX  its dated XXXX but on Experian its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. Experian will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.

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 2021-05-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking/savings account was opened at TD bank online with my SSN and DOB no other information was requested at the time the account was opened. I went to a TD bank and they informed me that the account was opened with my information and and email address that was not mine. The email used was XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
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:
I filed A report with Experian with XXXX XXXX on my report. They are reporting a charged off balance of XXXX and constantly reporting every month as late payments. This account was not mine and was A account for XXXX XXXX. I did co sign for the vehicle and was informed they sold the vehicle after he had it repoed and the vehicle was sold to an auction. However they are reporting on my report the full balance owed on the vehicle prior to it being sold to an auction. I hve requested a investigation into this and Experian informed me the account came back verified. But will not provide me with the verified proof that the information provided and being reported is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, On XX/XX/XXXX, I have called Citi Bank to resolve issues in regards to late fees and interest posted on my account. I opened the Citi AAdvantage platinum select card in XX/XX/XXXX, and I have made a purchase of $XXXX on XX/XX/XXXX through a method of payment system in a convention center at XXXX XXXX where the payment was charged without my presence on-site. Normally, we provide our credit card information to the convention center before any trade show begins. Basically, I am not aware of whether there are charges or not on the Citi Platinum credit card. The only way I would know is if the banks send me a statement every month. I have credit cards with Citi Bank for over 10 years and I have so many other credit cards with other banks for over 15 years, and I have never made a single late payment because I always receive a statement. However, I have never ever received an e-statement or paper statement from Citi Bank for this Citi AAdvantage platinum select card. Since this is a new card that I applied in XX/XX/XXXX, I did not have any information about who to pay to and where to pay because I did not receive anything from Citi Bank. This is a completely new card that I applied, and I am not aware of anything since the beginning. Until XX/XX/XXXX when I finally received an email saying that my statement is ready. It is then I know that there is a balance of $XXXX since XX/XX/XXXX, and for 4 months of interest of late fees added up to be $XXXX. I contacted Citi Bank in regards to this issue, and they said they have no fault and I have to pay all of the late fees and interests. To me, this should not be my fault either, and I feel I am treated unfairly as a consumer. If this is not the bank's fault, and this is not my fault, why do I have to carry the fees and interest. It is almost $XXXX! This is very unfair to a customer who has always been loyal and responsible. The most important part here is that I have never received a statement and how am I supposed to know who to pay at the first place? This is a completely new account! I have called Citi bank multiple times, and I have spoken to different representatives, supervisors, managers, but they do not want to solve this issue. It is 4 months of late fees and interest charged to someone who has never received a single statement or notification from Citi Bank.

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 2019-03-20
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: Personal information incorrect

Complaint:
I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 2018-04-03
Company: Experian Information Solutions 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:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or  XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2018, I attempted to call XXXX XXXX Mississippi  who handles child support payments for Mississippi. I called because of an unauthorized transaction on my account. After trying to get a representative on the phone, I finally figured out the prompts to get a human. Once I finally got to my turn, the person picked up and hung up. Its mandatory to hear your balance as soon as you input your information. I was then charged a XXXX cent fee. this is the 4th or 5th time I have had to fight for these fees to be removed while trying to reach customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: The CBE Group, Inc.
State: UT
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:
CBE Group has placed a new collection on my credit report without notifying me first. I have never received a 30 day right to dispute. They can not just put something on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: NJ
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 received my credit report and noticed multiple unauthorized inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: MT
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 have been disputing the same account on my credit file with XXXX, XXXX and Experian. The account was opened in XXXX. It was paid off in XX/XX/XXXXper my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.

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 2020-11-25
Company: TD BANK US HOLDING COMPANY
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:
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: MI
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 have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with Experian, XXXX, XXXX  and with XXXX XXXX. XXXX  XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.

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 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX, I completed the three month loan modification trial period plan with BOA. That should've results in a permanent modification due to the successfully completion of the required trial payments. After, the trial I didn't receive the permanent modification. It was sold to XXXX, XXXX on XX/XX/XXXX where the mortgage went from XXXX to XXXX. Now, XXXX XXXX XXXX XXXX XXXX XXXX has the mortgage since XXXX. I tried to modification with them and have been denial for all trials. Even thought the original approved modification should've transferred over when they assumed the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. 

Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. 

I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. 

I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.

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