BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
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:
I believe i am a victim of identity thief. In XXXX I had my identity stolen through Equifax data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX ( Original Creditor : 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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XX/XX/2018, I started the process of disputing inaccurate and unknown things on my credit reports. To this day over 3 years later of disputing, inaccurate information still is being reported. After challenging the inaccurate information with XXXX, this information was subsequently deleted and removed ( XXXX investigation results attached ) based on the lack of ability to verify the accuracy. I noticed that after challenging the inaccurate information with Transunion and XXXX, they verified this inaccurate information. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. I feel like I'm being taken advantage of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted buy the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-09-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments dated : XX/XX/XXXX/XX/XX/XXXX I am not sure how this happened I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

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 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi, I pulled my credit report and found the following inquires to be unauthorized and fraudulent. 

I contacted XXXX  and TransUnion in regards of disputing the fraudulent hard inquires via letter and phone. XXXX  was able to remove the unauthorized hard inquires. However, TransUnion failed to remove them. I sent them a certified letter demanding removal for the hard inquires on XX/XX/XXXX. I tried contacting them via phone and still denied to remove the same hard inquires XXXX  was able to remove. 

They left me with no choice other than filing a CFPB complain hoping to get their attention and follow FCRA 's requirement and law but before taking any legal actions. 

Please advice them to remove the fraudulent and unauthorized hard inquires as my previous letter stated the following : 1. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3.The inquiry was not authorized XXXX XXXXXXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from 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 explanation
Consumer complaint received 2018-06-27
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, I would like XXXX XXXX XXXX/Compliance officers to review the attached money laundering typography and ensure that the money laundering receiver XXXX XXXX XXXX XXXX is banned from using the Western Union network because she is dealing in the proceeds of a criminal human trafficking enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I  demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has  contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 believe i am a victim of identity thief. In XXXX I had my identity stolen through XXXX  data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.

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 2018-11-06
Company: WELLS FARGO & COMPANY
State: TX
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 balance transfer

Complaint:
Steps I took : 1. Apply for Incentivized ( 0 % Interest for 18 months on a Balance Transfer ) Credit Card 2. Request $ XXXX Balance Transfer from existing, non-Wells Fargo Credit Card Steps Wells Fargo took : 1. Approved my application 2.  Transferred XXXX to Incentivized Credit Card ( Plus Transfer Fee ). **The new Credit Card has a max credit line of XXXX 3.  Transferred XXXX to existing WF Credit Card ( Plus Transfer Fee ) without my acknowledgement, request. 
4. Did not notify me of any decision that relates to # 2 or # 3 More steps I took after seeing a new balance on my old card : 1.  XX/XX/XXXX : I called Wells Fargo Customer Service ( Spoke with XXXX ) XX/XX/XXXX : Spoke with Wells Fargo Credit Card Executive Office ( XXXX assigned as Case Manager ). 
I requested the balance incorrectly transferred to my existing card ( XXXX ) be moved to my new card. 
XXXX refused this request, but stated they would instead waive the Balance Transfer Fee. 
I explained that this was not what I wanted. I restated my request to have the Incorrectly Transferred Balance moved to my new Credit Card and have the existing Credit Card Cancelled. 
XXXX again refused to rectify the Incorrectly Transferred Balance and instead processed a Lost/Stolen Card Request on the Credit Card I asked to have Cancelled. 
XXXX assured me of a 4-5 business day resolution/callback to this issue XX/XX/XXXX ( Today ) : Being assured a 4-5 business day resolution/callback and not receiving one ( now 10th business  days ), I contacted the Credit Card Executive Office and spoke with XXXX XXXX ( sp? ). XXXX mentioned that XXXX was out of the office today ( XX/XX/XXXX ), but provided me with notes and no suitable resolution to my case. Basically the same story XXXX provided 10 days prior ...

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 2017-11-04
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: Account information incorrect

Complaint:
XX/XX/XXXX I received an alert on my credit file that a collection account had been added to my XXXX  credit report. I did not and still do not have any knowledge of any collections. A debt collection letter was never received and I did not have any pending bills or collections in XX/XX/XXXX (  which is what the collection agency ( XXXX XXXX ) is reporting. I immediately disputed the account and collection upon notice to the only reporting agency at the time, XXXX, and they deleted the unknown account and updated my credit report file on XX/XX/XXXX. After XXXX deleted the account, the creditor began reporting the account with Experian. The account with Experian was disputed and they refuse to delete it, even though XXXX agrees it is an unknown account, and it was never being reported on Experian until after the XX/XX/XXXX. I want the collection removed from my credit reports, because I never opened an account, paid any monies to, or began any agreement with a collection agency. The information is inaccurate.

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 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the capital one Savor card and was denied. I have do not have any derogatory accounts with Capital one and have actually had a Capital one XXXX XXXX credit card for a few years now in perfect standing My credit score is around 760. 

Additionally when I call the capital one contact person on the letter they sent me i leave a messsge and they wont call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: CO
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 needed to get credit reports available for my mortgage agent to pull reports for me to qualify for a home purchase. XX/XX/2020 tried to get a temporary lift to credit freeze with Equifax. Used the call number XXXX. After a very long and confusing set of security questions, I was asked specific questions about my credit record. I had a copy of my XXXX   credit report in front of me, but could not identify the finance agencies in the answer choices. I failed the security questions and was " locked out '' the phone line directed me to the website www.myequifax.com where I tried to again lift the freeze. I could only get a screen saying there was a problem and I should XXXX. I tried calling consumer services XX/XX/XXXX at XXXX, again another cumbersome set of ID questions and finally got to a real person who said there was nothing she could do, I needed to FAX my ID info to Equifax Security Freeze Dept. ( XXXX ) and wait 5-7 business days. I called again and another agent walked me through the security questions and said I answered them correctly this time and put me on hold. Then I was disconnected. I tried to call him back but got yet another agent who said she could do nothing. I feel this is a punitive process with " Gotcha '' questions designed to lock out a consumer and frustrate them to the point of removing a freeze altogether so they won't have to go through this ever again. I will not be able to get this report unfrozen in time to qualify for the mortgage and will thus lose this home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card company decided to side with a merchant who rendered no services. I don't even know how something like this happened as no credit company I've ever had would do this. I was asked no follow up questions during their " investigation '' and would like my money back considering the merchant did not provide any services and I received nothing from the merchant. It boggles my mind how Citi decided they deserved money for something that was never done.

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 2018-06-19
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX
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:
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) Exchange Service Center for my disclosure report and score. The CFPB XX/XX/2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 received a letter dated XX/XX/2020 from XXXX  XXXX XXXX concerning Account No. XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 XXXX LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account NoXXXX since I have two car loans at XXXX  XXXX XXXX for which I sought COVID relief. NOTE THAT TRANSUNION ARBITRARILY REDUCED MY CREDIT SCORE BY XXXX POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF XXXX  XXXX XXXX. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From XXXX XXXX XXXX I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Loan Depot in regards to being off work ill since XXXX. I made all payments on time never late until savings ran out in XXXX. I sent them my job offer advising them I was starting new job and will be able to make payments on time. I ask if I could get one month deferment and was advised no. They refused to take partial payment which I advised i could make biweekly payments to get current they refused and told me to do loan modification ; deed in lieu. I applied for modification In XXXX and have been getting run around since and modification still not completed. Home is now in foreclosure with sale date and I never got update from mortgage company in regards to anything or status of modification. I only got updates because I was calling weekly. Than I started getting hung up on every time I called or recording stating leave message someone will call back and never have called back. I had to start calling off other phones to get thru and speak with someone about status and not enter loan number or will get hung up on. This company has caused me so much stress and the process in which they function is terrible. If the calls are recorded I would love to have them pulled so the CEO and share holders can hear and see the unjust I have been experiencing since XXXX still with no solution to my home. I believe they have caused me more fees and stress than my initial call when I ask for a month deferral which I would have had account current in two months time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX from a dealer in the XXXX area via lease on XX/XX/18. I was given a 30 day temporary license plate as is customary until title could be transferred or given to me. It has been almost 3 months since the purchase date and I have not received the title form Jeep and in turn have not been able to get a license plate or legally drive the car. As a result of XXXX 's inability to send me a proper title and within a sufficient time period, I have been unable to drive the car. I have called XXXX as has the dealership for 3 months to get title and due to their complacency or inability I still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dir Sir/Madam Have A Great Day This is the fourth time complaint to remove 2 unauthorized hard inquiry from XXXX   Agency and after submitted them letter you were provided they didn't want to remove them so i'm ask you please contact them to remove this unauthorized hard inquiry impact my credit score and report Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( 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 2018-11-06
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office  and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!

Company response to consumer: Closed with explanation