BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: VA
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 had two XXXX XXXXXXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX wont remove anything from account even when I showed them that both XXXX and equifax took it off. Then XXXX XXXX have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
I am attempting to remove a freeze on Experian 's website, " experian.com/freeze. It is not accepting my credentials when I attempt to log in. When I attempt to reset the password, it returns 'Your account has been locked due to too many failed attempts. ' The phone number I'm directed to call does not provide an option to correct this. Their automoated phone system wont allow me to can't speak to a Representative. Thus I am unable to reset my password or gain access to their website, ironically to be able to manage MY CONFIDENTIAL INFORMATION.

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 2020-04-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX closed my frequent flyer account stating that the miles I obtained from Citi Credit Cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX miles activity of my CITI cards.

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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: FORD MOTOR CREDIT CO.
State: ND
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Surrendered the car to Ford Motor Credit Company in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 status incorrect

Complaint:
XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with XXXX  and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 2 notices from Transworld Systems Inc. for debt collection in behalf of XXXX XXXX XXXX in the amount of {$270.00}. I have never done any business with XXXX XXXX XXXX, nor have I ever received a bill from them. I have written TSI that this debt is not mine, but they continue to send notices. I would like them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
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/2019 we traded our XXXX into the dealership and used it to buy a new car. At the point the dealership was supposed to assume and payoff any existing loan, which they did but late, so now I have a " >Account 30 Days Past Due Date< '' payment on my credit report. I have tried contacting XXXX ut my dispputes haven't worked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I trust this message finds you well. I am writing to lodge a formal complaint against American Express for an issue that I believe reflects a breach of trust and unfair business practice. 

I am a longstanding customer of American Express. I currently hold three cards with the organization- the XXXX XXXX, the XXXX XXXX, and the XXXX XXXX XXXX XXXX. Two months ago, I upgraded to the XXXX XXXX, driven by an attractive welcome offer advertised on the XXXX website XXXX XXXX XXXX XXXX XXXX & XXXX ). The offer promised XXXX points on all dining transactions within the first six months of card usage. 

Despite my substantial spending of over {$15000.00} within the first two months, this offer has not been honored. What's more concerning is that the same offer I applied with is still actively being advertised on the XXXX website, which is owned by American Express. 

When I approached the American Express customer service team and my account XXXX to resolve this issue, I felt dismissed and undervalued. The threat that I would lose my XXXX bonus points if I chose to cancel the card before completing XXXX year was not only disheartening but also felt like a punitive measure rather than a resolution to the issue at hand. 

I am bringing this matter to your attention in the hope of a thorough investigation and a fair resolution. I believe that as a consumer, I have the right to receive what was promised in the welcome offer. It is disappointing to see such a reputable company engaging in what seems to be misleading marketing practices. 

I look forward to your support in resolving this matter and hope that measures can be taken to prevent such issues from occurring in the future. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Upstart Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated robo calls from Harris and Harris Ltd XX/XX/XXXX XXXX : XXXX XXXX from XXXX XXXX XX/XX/XXXX at XXXX XXXX from XXXX XXXX XX/XX/XXXX from XXXX XXXX and that's just this week My FICO score is in the 800 's I have no medical bills I have no debt except a small mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 will need to work on improving my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's important to have a good credit history in order to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I was unable to do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character in accordance with the 15 U.S.C. 1681 statute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got these negative items from unknown companies to show up on my credit 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 non-monetary relief
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: DISCOVER BANK
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 have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : Discover Financial Services Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Movement Mortgage LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage is currently in forbearance according to the CARES Act. On the very day our forbearance started on XX/XX/XXXX, our mortgage company ( Movement mortgage ) transferred it to a new sub-servicing company that is in charge of processing payments. They also changed our loan number. It appears as if they are playing musical chairs with loans and knowingly causing more stress and confusion to their customers during this difficult time. In dealing with  this new company ( XXXX XXXX ) we have been giving a myriad of a

nswers and explanations stating that we are under forbearance, then loss mitigation, and now its in their collections department. Our loan was never in default and the status was current prior to asking for forbearance. We dont understand why its in their collections department. Contrary to the Cares Act, we have been told that we must report to
them every 3 months with a 15 day approval process to continue forbearance. Isnt this a violation of the enacted law? They have also sent us documentation that we have not signed that appears to
shorten the forbearance period. Isnt the length of forbearance 180 days according to the Cares Act with one allowed extension for another 180 days? Their representatives swing from being semi-helpful to aggressive and rude. They also appear to provide misleading information that they may be using to dissuade customers from remaining in forbearance when its truly needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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 information incorrect

Complaint:
According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Account : XXXX XXXX Date opened is inaccurate. 
Balance & No. of month terms are inaccurate. 
High credit limit is inaccurate. 
Last reported date is inaccurate. 
Last active date is inaccurate. 
Date of last payment is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXXXXXX Date opened is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX Date opened is inaccurate. 
Last reported is inaccurate.

The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXX Account status is inaccurate. 
Date opened is inaccurate. 
No. Of month terms are reported inaccurately. 
High credit is inaccurate. 
Last reported date is inaccurate. 
Last payment date is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

- My DATE OF BIRTH is reported inaccurately by XXXX XXXX XXXX. 
- My current address is reported inaccurately TransUnion, XXXX, & XXXX ( My correct current & ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) - My previous address is reported inaccurately TransUnion, 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 non-monetary relief
Consumer complaint received 2017-09-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Collection Management Holdings, LLC
State: NV
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:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation