BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18
Company: Kashia Services
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to an emergency we had to try getting a loan and we went through inboxloan. The representatives rushed through the application making sure I signed things quickly by digital means. I even kept asking them if I could pay it off sooner to avoid charges and they said that's easily done. What they neglected to tell me is that to pay off the borrowed XXXX $ would cost me around 200-300 extra if it was paid in 1-2 months! If I stick with their payment schedule which goes for 12 months I would pay an extra {$3000.00} alone in interest and fees just to pay back {$550.00} with interest at over 700 %! I did not get the full details until the contract was signed and the representative pressuring me to sign quickly did not help with the stress of what was already happening. We live in Colorado and I know they have limits for such things but this company wants as much money as they can get and they dont care about the customers as long as they are paying them. How they are allowed to lend with such terms is beyond me and come to find out that they are also a tribal company. This still should not be allowed to continue ignoring laws of current states their customers reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
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 belongs to someone else

Complaint:
This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, XXXX  and TU are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

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 2021-06-09
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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
*************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest. 


1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal. 

2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to  dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called. 

4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus. 

5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
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:
This letter is being submitted in light of XXXX XXXX response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus EQ, XXXX  and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened.

Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX : I applied for Citi bank card in sears store, they said the card will be deliverd home, but i didnt received the card and i spoke to sears store team they took the balance from me and they said they will close the card as it is not approved. 

XX/XX/XXXX : i noticed a mention on my credit report that i am a defaulter of citi bank credit card, i spoke to citi bank they said as i am not having the card number or account number they cant do anything, i spoke to sears and they said to contact credit bureau team, i spoke to them and raised the dispute.

XX/XX/XXXX : After investigation they changed that card status as closed and made it as Charge off bad debt. More than the earlier one this one is affecting adversely my credit file. i am not able to do anything as there is a charge off bad debt mention on my credit file.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been dealing with XXXX XXXX  for a while now trying to get them to remove all these cards that were opened in my name.And this specific one keep increasing months after my credit report say it was closed and they are ruining my credit.If this isnt resolved i will have my boss take legal actions. XXXX keep increasing late fees that i do not owe and I didnt authorized the account to be open from the start. I want the account closed properly and removed from my report

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 2018-11-18
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company Hunter Warfield has been reporting a debt that they say that I owe for appx XXXX from I found this out around XXXX of this year ... I sent them a copy of my current lease on XX/XX/2018 along with a copy of my utility bill and other information and a copy of a signed affidavit of identity theft .... I requested that they remove this from their files permanently and delete it from all of the credit bureaus they have reported it too. I included a copy of a letter requesting an investigation of the information that they have according to section 623 et. seq. of the fcra and that was on XX/XX/2018 I have since not received any of that information and they continue to report this after I have provided them information that I was never at that address ... at this point as I understand it they have violated the fcra and this is my last effort before securing legal representation on this matter. as I understand that this is from a rental of a property that I do not live .... I have also provided this company with as much information as I can regarding my identity being stolen and the fraudulent addresses accounts, including utility, insurance etc ... that were fraudulently opened .... accounts and addresses that just came out of the blue ...

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is a collection agency but I informed them that this was a debt from a XXXX worker who didnt turn my equipment in. Instead had cable at my address in there name. I reported to there fraud department I thought this was taken care of because I have XXXX still they had to create me another account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 a fraudulent application was submitted to XXXX XXXX and they ran a hard inquiry. I notified them of the issue and they acknowledged that I did not submit the application. I submitted a CFPB report and they told me that they would notify the credit bureaus regarding this matter to get it removed from my report. Thus far all credit bureaus have removed the inquiry except Transunion. 

Bank Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018

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 2018-12-19
Company: EQUIFAX, INC.
State: SC
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 paid off XXXX XXXX XXXX bal XXXX on XXXX XXXX and disputed on XXXX XXXX this account was deleted and updated on XX/XX/XXXX per XXXX XXXX request. On XXXX XXXX this account reappeared on my credit as not paid and owing a balance of XXXX which is false information, I tried to dispute information again but was not successful due to equifax dispute system being down online I called on XX/XX/XXXX and was told to call XXXX XXXX which already verified that account was deleted on XX/XX/XXXX, I have proof that account was indeed deleted on XX/XX/XXXX but reappeared on XX/XX/XXXX. Dispute resolution was suppose to be complete for XXXX XXXX XXXX XXXX, and also for XXXX XXXX # XXXX bal XXXX and acc # XXXX bal XXXX dispute confirmation # XXXX on XXXX XXXX. I plead and asked for Equifax representative to email me my results for XX/XX/XXXX and so call supervisor never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has been extorting money from me for years. While I have brought it to the attention of the Consumer Financial Protection Bureau, nothing has been done about it and Wells seems to take money out of my monthly payments at will. They offer no balance sheets and no clear path to follow the money. They just keep taking money, regardless of any facts. 
In the most recent case where Wells Fargo has bled me for money claiming that my monthly payment was late, I asked what it would take to stop the gouging, how could I get them to stop taking money from my monthly mortgage payments under the cover of late fees? 
On XX/XX/2018 Wells replied, that I needed to give them {$580.00} by the XXXX of the next month ( attached ). So I issued 2 payments, one on XX/XX/XXXX for XXXX and the other on the XXXX for the months mortgage amount {$850.00} Please see attached document B. Yet without fail, on XXXX billing statement, Wells Fargo again charged me late fees. So in XXXX, I intentionally overpaid WF {$48.00}, ( see attachment ), and still they are charging me a late fee. 
It is clear to me, that there is on honesty in their service. There word has little to no value and they clearly can not be trusted. 
So here we are again. I am asking the " protection '' bureau to help with this matter. I have done what was asked of me in the XX/XX/XXXX letter, and I have gone above the request. 
There questions remain the same as they have always been.

1 ) How do you stop Wells Fargo from bleeding me?

2 ) Why hasnt Wells been honest?

3 ) How much more money do they need to stop manufacturing late fees?

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 2018-09-11
Company: Rocket Mortgage, LLC
State: AK
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 XX/XX/2018 I received an unsolicited call from a lady with Quicken Loans. While she was on the phone she ran a credit report on me after I told her not to. She also assured me that nothing she was doing would affect my credit report. Later the " Hard Inquiry '' showed up on all three credit bureau reports under " XXXX XXXX XXXX. I contacted XXXX and they told me XXXX   would have to send them a certified letter before they would remove this. I called XXXX and was told it was Quicken Loans problem not XXXX and they would have to remove it. XXXX again told me the letter would have to come from XXXX. I have tried repeatedly to reach someone at Quicken Loans about this and no one seems to have any idea who I need to talk to resolve this. I think this is very unethical that these people can just report this on your credit without some checks and verification. I every company I have ever worked for we had to have a signature on an authorization form before we pulled someones credit. I need this to be removed from all three bureaus as it was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Contacted Chase Visa customer service on XX/XX/XXXX at XXXX, The Chase credit card was declined without user authorization two days prior. This attempt to use the card 48 hours earlier was a fraudulent and unauthorized attempt to shop with XXXX. 

Unfortunately, XXXX the vendor to which the attempted Friday, XX/XX/XXXX : purchase failed, has not been contacted to date. That said, the basis for this additional complaint against Chase Visa and its customer service is the following. Chase, continues to request for identifiers, that are nonstandard and have provided the follow-thru on Chase-to-consumer callbacks as agreed upon during the customer service call. 

On Sunday, XX/XX/XXXX Chase declined to remove the unannounced fraud alert laced on the charge account. The female representative voice was recognizable its difficult say the she participated in the previous call to Chase. Question like do you know XXXX XXXX, former employers and addresses were again alarming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchased a XXXX mixer from XXXX on XX/XX/18 on a 5 installment plan. {$90.00} was to be charged when the item was shipped however they charged {$90.00} once on XX/XX/XXXX and seven times on XX/XX/18 for a total of {$720.00}. I purchased the item on my debit card so this amount was taken from my account and made inaccessible. The item has not yet shipped so nothing should have been charged at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018 I Placed a Sell Order for XXXX Litecoin for a total ( USD ) XXXX with a disclosed fee of ( USD ) XXXX according to the GDAX  Order Form. Having Placed the Order I only received ( USD ) XXXX and was charged a fee of ( USD ) XXXX. Please see the attached photographs as evidence and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. 
I was not in the United States in XXXX XXXX. 
I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.

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 2018-11-18
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have tried to resolve this issue with CREDIT BUREAU SERVICES in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all XXXX CRA 's.

Company response to consumer: Closed with explanation