BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX CREDITOR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Supreme Lending
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinancing of our mortgage loan was closed and all payments disbursed ( to the previous lender and us ) by the escrow company on XX/XX/2020. 
Lender : Everett Financial Inc., dba Supreme Lending, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Escrow Company : XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX The lender asked for the first monthly payment to begin on XX/XX/2020. No gap month was offered. We complied and paid the first payment to the lender on time on XX/XX/2020. 
Instead the lender gave us credit for " prepaid interest '' for the period of XX/XX/2020 - XX/XX/2020. 
The escrow was initially scheduled to close on XX/XX/2020. But the closure and fund transfers were delayed until XX/XX/2020. 
But, we were not given the extra credit for " prepaid interest '' for the remaining period of XX/XX/2020 through XX/XX/2020. 
We contacted both escrow company and the new lender several times. But we either got no answer, or was told the escrow is closed and no more funds available to compensate us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Please see attachment. 

Citibank sold my account to XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I was offered to settle for a reduced amount, which I did. 

Citibank filed a cancellation of debt for XXXX  with the IRS. This account is settled and closed. 

It should not continue to be reported to XXXX, XXXX or XXXX. This has been resolved. Citibank has had information deleted in the past. I am simply asking for the same courtesy again.

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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
l work hard to keep a good credit history, but for the last few months l can not get the Trans union credit report and the credit card XXXX XXXX XXXX  to up date my monthly payments, now it has been effecting my credit score this is not fare, l have contacted both and slow is the only progress they both say it is the Trans union say XXXX updates certain time, the XXXX say they updated my information on time yet l am losing points and updates are not being in time cause when my credit is updated even after l had make payments it has not show up correct amount, there for it said is why my score is going down, l am at the point l am ready to take legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Chime Financial Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My identity was stolen on XXXX/XXXX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my XXXX to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my XXXX and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, Chime, XXXX and filed complaint with all 3 credit bureaus. Chime and XXXX basically said that the transaction wasnt in error even though I sent them all the information from the case. When Chime tried to get the money back from XXXX thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
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: Old information reappears or never goes away

Complaint:
I have tried on multiple occasions to try and get information correct on my credit report. XXXX continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus Transunion and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the 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 explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my fourth 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 : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.

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 2020-12-02
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
So Ive had two issues with netspend. The first issue I used my card at XXXX XXXX for a incidental deposit on the XXXX and the XXXX of XXXX. They refused to release The money back to me if I did not have proof that the hotel was not going to charge the card any more. Yesterday XX/XX/XXXX I got documentation from the hotel and emailed it to them, today when I called they said that the information can not come for me it had to come from the hotel, so the hotel manager faxed them the information. I called them back and they said that they could not except that becouse it did not have transaction breakdown on it. I explained to them that was because I paid for room through XX/XX/XXXX and didnt charge anything to rooom so there were no charges from hotel. They then told me that they had to hear it from hotel. The manager and I called three-way he explained this they still did not release the money they said they can not do it without a breakdown of the transaction history. 

About three hours later I called to check the balance of my XX/XX/XXXX card. The automated service told me that this was not a working card and connected me to the customer service the customer service agent then told me my card had been blocked. They could not give me information to why my card was blocked, then informed me that the money on the card could not be retrived. They told me that I had to purchase a new car and start another account. 

Nothing about this sounds legal I dont understand how they could block my card without my permission and keep the money that is on the card and not allow me to have it I dont understand how they can Refuse to release the money back into my account after the manager sent them the pro folio from my account at the hotel. 

I Really like some advice on how to go about getting my money back from them and holding them responsible. I want to take legal action against them

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 2023-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account at Wells Fargo was used to make about {$1600.00} in fraudulent purchases. I submitted a claim to be reimbursed for these purchases and it was denied. I was never notified of this and I only found out by contacting them almost two weeks after the initial claim was filed. No reason was given for their decision and according to the rep I spoke to I have no other recourse at this point.

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 2023-03-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$4200.00}

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 2018-11-13
Company: EQUIFAX, INC.
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
See attached DISPUTE LETTER and previously submitted ID theft Report serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. However, your agency has refused to investigate these accounts thoroughly enough the last time that I submitted my disputes to you. New evidence is being provided to the credit reporting agencies, which was not available when these fraudulently opened accounts were originally submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX and Transunion credit report. 

The information for this account listed on my credit report is : XXXX XXXX, BALANCE {$42.00}, OPENED XX/XX/2014, ACCOUNT 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 2019-03-09
Company: U.S. BANCORP
State: OR
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:
The situation is as such : 1- I used XXXX XXXX credit card checks ( 0 % APR until mid-XXXX ) to the amount of {$20000.00} 2 - I continue to use my credit card for purchases, but ensure that I am paying off *more* than my full amount every month. 

I noticed that I am continuing to incur interest charges every month, and upon calling XXXX ( twice, last being on XX/XX/XXXX ) was led to believe that I would continue incurring these charge, should I use the credit card for purchases, at the rate of 16.24 % I believe that as per the Credit Card Act of XXXX ( 15 USC 1666c ( b ) ( 1 ) ) " In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' Based on this law, any payments I make including my full monthly bill plus minimum payment should be going towards my higher interest rate, i.e. the purchases made every month. 

I was told on the phone ( twice ) that I would continue incurring charges for purchases I make, even IF I make payments that exceed the above-mentioned amount. I was told that the only way to stop incurring said interest fees at 16.24 % is for me to pay up the {$20000.00} + purchases in full, or to stop using my credit card for further purchases.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: KY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So this is more about the interest I accrued during my first XXXX  XXXX bankruptcy roughly over 14-15 years ago when i contacted my lender they just said I'm in forbearance and dont have to make payments. Well my XXXX  XXXX was 5 years making payments of XXXX dollars a month Navient never told me interest would continue to add up so my XXXX loan went well over XXXX. Now I'm going to pay about XXXX just in interest over the life of the loan till XXXX/XXXX/2030. This seems so unfair and I don't know what to do and feel helpless. Paying almost 3 times the original amount seems so unfair.

Company response to consumer: Closed with explanation