BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Self Financial Inc.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Bankruptcy XXXX XXXX was filed on XX/XX/XXXX. Self, Inc was listed as a creditor and notice was sent. After a few days and no changes made to credit bureaus, I reached out to ask about the situation. I received an email on XXXX with a case number and letting me know that I would get a follow up " within 5 business days ''. After more than 2 weeks had past I called again to inquire. I had to explain everything over again and provided them with bankruptcy paperwork. Self closed my account on XXXX at consumer request instead of included in bankruptcy. That caused the deposit I had given them to be applied to the account balance instead of returning to bankruptcy trustee. I noticed that I still have access to the account online- now I see that I have been accruing fees, interest and Self , Inc has in asked for me to pay the remaining balance after the deposit to close/clear the balance. I have a total of 3 cases with Self. I have asked for a call back from supervisor many times. I have a missed call on XXXX. I got an email saying they had tried calling and that if I still needed help to reply to the email. I did and it was a non-reply email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Innovis
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


Cbcinnovis XXXX XXXX/XXXX  XXXX/XXXX The only banks authorized them to do what they needed were XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Atlanticus Services Corporation
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I need this email in a letter head in order to close on my home. However when I called to get this on a letterhead they are refusing to honor it & even trying to change their response. I need the email in the attachment in writing. Without this letter & their compliance me & my family will be homeless. This is aspire visa, company address Account Services XXXX. XXXX XXXX XXXX, GA XXXX phone # is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At the end of XX/XX/XXXX or XXXX, 2021, I went out of town for a funeral and family gathering. There had been a big fight which ended in a shooting in our neighborhood which reached our family. One of the persons fighting was around. There fights had been going on and off. I explained to wells fargo that I did have a police report but it wasnt the one directly for this incident. While we were out of town conducting one of the funerals, a fight took place back home and things were detroyed and taken. My identity had already recently been stolen when my vehicle was broken into earlier this year. When I came from out of town, I checked my bacnking, as I was going to make a purchase but couldnt find my card. I'd been out of town for about XXXX days, from the end of XXXX, beginning of XXXX until the XXXX or XXXX of XXXX. I explained to wells fargo that we think we knew who did it but weren't sure becuase when we returned, th eplace was trashed. I just assumed it had something to do with the fights between a younger cousin and his classmate, which lead to the deaths that were at hand. I fioled a dispuite and was only told I authorized the transactions when the card wasn't even in my possession. I am at a major loss right now. I lost over XXXX dollars. The person went to places I've been, which are common plqces and some that Ihave no idea about. Either way, I lost money that I need to feed my family and kids. WHAT DO I DO> PLEASE HELP! MY ID, social and everything has been taken. I've had issues since! It's horrible!

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 2023-08-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was contacted by Citibank fraud department related to to some charges, complied and verified ALL charges did not not belong to me and I had no knowledge of 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 monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have asked XXXX to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: BELING & ASSOCIATES
State: NC
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: Public record information inaccurate

Complaint:
In XXXX I hired Beling & Associates Law Firm of XXXX, due to their promises of reducing my student loan debt. They promised to get it cut in half and all I had to do is pay them {$250.00} per month as they would negotiate this settlement with my student loan lender. They also promised that this would not affect my credit report or score and nothing bad would be reported. By XXXX, the loan was settled, cut in half, and instead of owing {$20000.00}, I now owed {$8000.00}. Unfortunately, it wasn't until I needed to rent an apartment in XXXX that I found out that it was reported as a charge-off ... as if i refused to pay and went delinquent on {$12000.00}. This caused me to face homelessness, scrambling to find housing options when the apartment denied me a rental as I relocated to a new state for employment. This was NOT the agreement we made and they need to be held accountable for this seeming scam.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt was sold from XXXX XXXX which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was Jefferson Capital system. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: WI
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts have been disputed and no information has been received within 30 days a sa result and by law these need to be removed. These accounts are not reporting on any other credit bureau and you need to follow suit with deleting : XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  -TOO OLD TO BE ON RECORD XXXX XXXX-TOO OLD TO BE ON RECORD ALSO THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME FOR THE PURPOSE OF EMPLOYMENT, CREDIT, OR INSURANCE AND SHOULD BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-17
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXXBalance : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2020-07-16
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank on XX/XX/2020 and had not used my account. I was going to use it as a savings account. while I was waiting on some funds to be processed at another bank I decided it was taking too long so on XX/XX/2020 I made an ACH deposit of {$60000.00} and I made sure that Citibank was well aware of the deposit in advance. I had asked questions along the way and made sure I was told the spending limits and learned the usages of my card. I was told that I would be upgraded to Citi Priority banking and that never happened. I had sent some XXXX payments to my son and that was the longevity of my account at Citibank. I also did have one additional deposit for {$1300.00} as well. 

Now at some point any and all transactions were declined and my account was blocked. However someone was using my funds in my account. A total of {$6500.00} is what I sent to my son in several payments over several days because my ability to send a wire was and is still blocked. 

I have not been able to manage my account and I have not been able to dispute any and all fraudulent charges on my account and I am told my account is being closed and that I will know more in 30 to 60 days which is insane. I explained to them that I have a bad problem with XXXX and that I need my XXXX  or I can die from a XXXX XXXX or many other issues due to not having it. I can't afford to buy it without my money I have no money because it is all in the account at Citibank. I also had previously before running out of my XXXX  explained that I had already put down a {$24000.00} deposit as the first portion of a down payment of a home that I am trying to obtain and that the other {$24000.00} was due on XX/XX/XXXX and that I would loose my {$24000.00} deposit as the first portion of the down payment because it was non refundable and I think they have already moved on and are in another deal now! 

Citibank didn't care and didn't do anything to help. lastly my father died during all of this and my birthday was last week. I didn't even have food or gas in my car on my birthday because of what they're doing to me. I need help and they need to reimburse me for all the money I have lost and all the money that I have had to borrow to survive during this time. I was moving into the new house and now I am bouncing around to hotel and to places I don't want to be I want to move into my house. I also successfully fully verified my identity every time I was asked to. Someone please help this is just a quick version of a very terrible situation

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 2023-08-29
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bridge Crest financial is reporting on my consumer report. I never received a letter from them asking if they had permissions to report this on my consumer report. I find this to be a violation of my rights and fair credit reporting as a consumer I have the right to what is reported on my credit. This has kept me from purchasing a XXXX as I am a XXXX trucker who is desiring to own my own truck. For the betterment of my family welfare. Under section 1604 ( 15 U.S.C.1681b ) Im requesting that this account be removed from my credit report immediately. 

I have proof from XXXX that call me and stated this is on my Report and I could not purchase until this is taking off. My name is XXXX XXXX, ss # XXXX address XXXX XXXX XXXX XXXX tn again please remove this from consumer report.. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The account in discussion is Loan care Account # XXXX the issue at hand is a late in XX/XX/2020, A financial accommodation was made. On my latest credit report which I will attach for your convenience, it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies.

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 2023-05-10
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief