BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My wife and I had a car loan with Fifth Third Bank since XXXX.. In late XXXX of this year, my wife had an XXXX with the car. XXXX XXXX  deemed the vehicle at total loss. Fifth Third Bank issued us a Total Loss letter dated XX/XX/2020. XXXX XXXX issued and mailed a check to Fifth Third Bank in the amount of {$9400.00} on XX/XX/2020. I noticed that the loan was not paid off on or around XX/XX/2020. I contacted Fifth Third Bank numerous times by phone, email and fax to try to rectify the situation. By the end of XXXX, Fifth Third Bank notified all 3 of the credit reporting agencies that my wife and I were 30 days late on our car loan. Fifth Third has the payoff check from XXXX XXXX in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX saying she would try to help. She asked if I could call my adjuster at XXXX XXXX and ask they could reissue a check. I said sure. My adjuster XXXX said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/2020 and reissued another check on XX/XX/2020. The check was received by Fifth Third on XX/XX/2020 and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though Firth Third could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XXXX reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still -100 points each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/2020 and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/2020, I submitted 9 email requests with copies of the check to Fifth Third, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still -100 each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 Transunion LLC added a debt from XXXX on my credit report. This was already removed from XXXX due to it not being my debt. I demand that this item is removed off my credit report immediately or I will have to file for litigation.My information was also impacted by 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 2020-05-15
Company: EQUIFAX, INC.
State: PA
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:
Equifax dropped my score almost 100 points with no reasonable explanation I went from XXXX to XXXX in one day! There has been no discernible activity to explain the reason for should a huge drop to my score, every open account on my record has never been late once! The only activity that was generated on my report is my request to dispute several accounts that were previously closed! After Equifax first contacted these closed accounts, they started lowering my score! Some of the accounts as I reported to them were settled as per agreement but they have not updated them as of this letter! I feel that credit reporting agencies such as Equifax need to be far more attentive about how they report updated information when a dispute is completed for CLOSED ACCOUNTS! The information that the creditors provided did not make any changes from their last reported status, therefore, there should not have been any changes made negatively to my score as a result of my dispute! Dropping a persons score nearly 100 points is indeed, a serious matter and it needs to be reviewed to insure that the information does not impact a consumer negatively due to misplacement of confirmed information and the record should reflect the updated information only in the comments section of the report not anywhere else in the body of the record! It's here where you are essentially performing double jeopardy by computating information as new but was previously unchanged from the creditor 's last report! You erroneously computated their old, previously reported information as current! This change in my score has caused me great duress and I would like to request punitive damages as a direct result!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: MO
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:
On XX/XX/2018 : Received paper bill From XXXX XXXX XXXX. Bill was a late bill. Amount of purchase was {$10.00}, but was unable to locate information about the purchase ( what it was ). Have previously received email bills. Called XXXX XXXX XXXX. Finally talked with a real person. Was told XXXX had sold services to Citibank. Was also told I had received a new XXXX, which I have not received. XXXX XXXX transferred me to Citibank. Was told this is an XXXX XXXX credit card and was referred back to XXXX XXXX. Via automated voice closed my account.

Summary of Account Activity : Previous Balance ... .. {$10.00} ( no date or other information provided ) Payments ... ... ... ... ... ... XXXX Purchases ... ... ... ... .+ {$10.00}.

Cash Advances ... ... ..XXXX Fees Charges ... ... ... {$11.00} Interested Charges ... XXXX ________________________ Past Due Amount ... {$33.00}

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 monetary relief
Consumer complaint received 2020-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have submitted two dispute requests with Equifax and both times the results left the incorrect information on my report. They are reporting two missed payments for XX/XX/XXXX XXXX XXXX, my auto loan provider. The first dispute was submitted on XX/XX/20 and the second dispute was submitted on XX/XX/20. Out of all three credit bureaus, Equifax is the only one that has the status of my auto loan as delinquent or a missed payment. I have reached out toXX/XX/XXXXXXXX XXXX multiple times and each time they notify me that they are not reporting any missed payments to Equifax. They have even provided me a document stating such. Equifax 's incorrect information has caused me to be declined for a credit card at a time in my life when I really need it. Their website is always down and I was abnormally long when calling in for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: IN
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:
XXXX XX/XX/XXXX someone was trying to take cash advance from my credit card and also applied for a loan in my name with Citi Bank. I called the bank immediately. When I logged into my account everything was pending. The bank cancelled the card and replaced it by a different number. I was assured that everything will drop and would not be processed. For a period of time I could not log into my account. when the new card arrived I had to register all over again and create an account. when I had access to my account I found three cash advances were posted to my account and a cash advance fee charged to the account. When I called the bank they told me they are investigating. 
If I alerted the bank that I was not the one who was taking the cash advance why they did not stop it and why two more were added? Everything was pending nothing was paid yet why they transferred the money to someone's XXXX account? I alerted them it was not me who was doing this. I closed the account but the balance is much higher than it was before XX/XX/XXXX when all this took place. I am only responsible for the balance before XX/XX/XXXX. It also worth mentioning that I have never activated any of the credit cards they sent me since I opened the account two years ago. I simply opened the account because of a promotion they had and I transferred a balance at 0 %. I was only paying off the balance and have never used the card in store or online. the history on the account would prove that. 

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 monetary relief
Consumer complaint received 2020-07-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-15
Company: Simon's Agency, 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: Account status incorrect

Complaint:
Negative information appeared on my credit file XX/XX/2020 in the amount of {$500.00}. On XX/XX/2020, I called the collection agency, Simon Agency, and  spoke to them to find out why, as I had never had any communication from them and had no idea who they were. They said it was a hospital bill for my son, dating from the previous spring that had not been paid. I explained that my son had insurance and I had called the hospital and given them that information several months prior. I also explained that I was not there and had not signed anything at the hospital, and my son had given them his insurance card when his ambulance arrived, I only arrived in time to take him home. The collection agency told me that didn't matter, however they did take his insurance information and said they would put it in dispute. 
I called the agency XX/XX/2020 to follow up was told the matter was not cleared up and I needed to be patient due to COVID-19, but they felt it would be resolved and removed soon. 
On XX/XX/2020, I pulled my annual credit report and was surprised to see the collection agency had verified the collection account on XX/XX/2020. I called them again and said it needed to be removed at this point as it had been far more than 30 days that it had been in dispute, it was not my debt, it was covered by insurance and they were wilfully hurting my credit. They told me they were going to wait to hear from XXXX XXXX 's billing department, and it did not matter how long it took. I explained that the law gives them 30 days and I had gone beyond that as requested, however, it now needs to be resolved. They passed me to several people, none helpful, then sent me to a voice mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've disputed a few inquiries that I don't know about and never received a response from Transunion.

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 2018-02-27
Company: U.S. BANCORP
State: GA
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 my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 07 XXXX XXXX, 08 XXXX XXXX  XXXX, 10 XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX   XXXX, 11 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 XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company 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  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 2020-10-26
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received phone calls and now letters saying that I owe {$310.00} for a phone loan that I never applied for or received. This is fraud. It is from Debt Recovery Solutions. Last letter received today XXXX saying 50 % off! If I pay {$150.00} the will close my account. this has been going on for about 1 year. 
I have report to credit score company and XXXX that this is fraudulentI never applied nor received a phone loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Solomon and Solomon, P.C.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original credit card holder XXXX XXXX XXXX, sent the account to Solomon % Solomon pc of XXXX, Ny, attempts to make payments were flawed when I found Solomon was taking the payments and not applying my payments to the balance owed. 
an agreement was made to lower the balance owed to {$1000.00} and I sent 7 % XXXX monthly payments in when it was discovered they were not paying down the debit. 
I stopped the payments and in 2019 XXXX XXXX sent the collection to XXXX XXXX trying to collect XXXX. XXXX XXXX will not acknoweldge these payments and continues to collect {$1400.00}. Solomon has ignored my request to forward all documents to XXXX XXXX XXXX XXXX is ignoring me. These collection companies are committing fraud trying to collect payments already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: MI
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:
Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXXXXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX via 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 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XX/XX/2017

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 2021-02-23
Company: TD BANK US HOLDING COMPANY
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:
TARGET/TD XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation