BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: Experian Information Solutions 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:
Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as Experian reports a date opened of XX/XX/XXXX ; XX/XX/XXXXdoes report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXX dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas Experian reports the number of months to be 249 ; XX/XX/XXXX reports nothing. 

XX/XX/XXXX reports the date last active to be XX/XX/XXXX whereas Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXXreports nothing. 

Experian Reports that this account was 30 days late whereas XX/XX/XXXX and XX/XX/XXXX reports nothing. 

Experian Reports that this account was 60 days late whereas XX/XX/XXXXand XX/XX/XXXXreports nothing. 

Experian Reports that this account was 90 days late whereas XX/XX/XXXX andXX/XX/XXXX reports nothing. 

Experian Reports that this account was charged off ( CO ) whereas XX/XX/XXXX and XX/XX/XXXX reports nothing.

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 2020-11-25
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:
Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

-XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as XX/XX/XXXXreports a date opened of XX/XX/XXXX ; Equifax does report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as XX/XX/XXXX reports the date last active to be XX/XX/XXXX ; Equifax dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas XX/XX/XXXX reports the number of months to be 249 ; Equifax reports nothing. 

XX/XX/XXXXreports the date last active to be XX/XX/XXXX whereas XX/XX/XXXXreports the date last active to be XX/XX/XXXX ; Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 30 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 60 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 90 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was charged off ( CO ) whereasXX/XX/XXXXand Equifax reports nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIBANK, N.A.
State: NV
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:
Citibank ( purposely, I'd conclude ) misleads the card holder about interest fees charged on my account. 

After wandering through their website for some time, I finally found an interest rate posted on the " Account information '' area. It had all my information - and listed the fee as a trans-usurious 20.24 %. I called to find out why I'm being charged such high interest. 

It turns out that that is NOT the interest being charged on the balance. The fellow on the phone said it's " only '' 15.99 % - still usurious, but less. 

The rate I or any consumer pays should be posted in large type on the splash page for any card I hold. Period. I should not have to hunt for it, find a rate that proves to be wrong, call the company ( and try to get through their pea-brained computer voice ), and all-in-all spend two hours or so trying to get a simple answer about the rate I pay. 

So - POST RATES IN LARGE LETTERS ON THE ACCOUNT HOME PAGE. 
and GET RID OF THOSE XXXX COMPUTER VOICES. GIVE THE CALLER AN UPFRONT OPTION TO USE A KEYPAD.

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 2023-03-31
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for credit with XXXX XXXX XXXX XXXX was instructed to appear at the dealership on XX/XX/2023 and was denied. This is a violation of Equal Credit Opportunity Act which is codified in XXXXFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXXXXXX XXXX Fully loaded. The dealership tried to impose on me a finance charge of {$15000.00} and according to 15 U.S.C 1605 Determination of Credit the application covers the whole transaction. My credit was ran without consent another 2 or 3 times. I was told to come back to the dealership even though I started the process with a preapproval letter for completion of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). 

Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/black of business with payment request. the last one on XXXX was requesting {$1100.00}. XXXX of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. 

I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and there proof is not acceptable. 

They have still not pursed this in court continues to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CT
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 am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card XXXX XXXXXXXX XXXX  XXXX, regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to XXXXXXXX XXXX charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was XXXX error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to XXXX  error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all XXXX credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. XXXX reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was XXXX error. 

Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with Experian, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.

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 2021-06-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2020 i paid off a XXXX car loan XXXX i requested to have that loan updated because they still had i owed XXXX $ on it XX/XX/2020 they updated it XX/XX/XXXX they deleted it off my credit report and lied to XXXX XXXX XXXX XXXX and said i wanted to be removed thats the farthest thing from the truth. So that same day i cancelled my membership with Experian cuz im not paying XXXX $ a month for them to ruin my credit im trying to buy a house and they are trying to prevent this from happening. I have proof that XXXX XXXX XXXX XXXX HAS BEEN REPORTING THE PAID AUTOLOAN AS PAID OFF. But Experian refusing to put it back on.

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 2016-03-30
Company: AR Resources, Inc. (FL)
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 isnt my account, nor did I authorize these companies to pull my credit. Please remove 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is the collection that appears on my. CRedit report is show g this collection that is not mineXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-23
Company: Experian Information Solutions Inc.
State: MD
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 numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022

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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-01-27
Company: Experian Information Solutions Inc.
State: MO
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, these companies 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 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 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with Bank of America ( BOA ). On XX/XX/2020, I inadvertently paid my {$680.00} BOA credit card balance to my mortgage account using my XXXX XXXX checking account electronic bill pay. When I discovered my error on XX/XX/XXXX, I first electronically paid the credit card account and then contacted BOA customer service to request a refund of the {$680.00} that was currently reflected in my mortgage account as " unapplied funds ''. After furnishing the BOA rep with my routing and account numbers, I was assured that the money would be restored to my account within 5 business days. I was given a confirmation number. When I did not receive the money, I again called BOA on XX/XX/XXXX. The rep I spoke with on that date stated that the money would be restored to my checking account in a total of 7 business days which he calculated to be XX/XX/XXXX. 
I called BOA a third time on XX/XX/XXXX when the money had still not been restored. The two previous calls as well as this one required an approximately 90 minute wait time before I was able to speak with a rep. On this date the rep told me that this " was above his level '' and transferred me to another department after first assuring me that the wait time would not be as long. After an additional 90 minutes on hold, a recording came on and suggested I leave a message and that they would return my call. No one ever did.

Prior to contacting BOA customer service this third time, I called a local branch where I live, but I was told they could not assist me, that I would have to deal with the customer service number I had been using. 
On XXXX I sent a message explaining the situation using the on line mortgage account " contact us '' link. An automated response said I would receive a response in 2 business days. I have never received a response. 
Each time after speaking with a customer service rep I completed the satisfaction survey I received via email. In response to my request on one of these surveys, I received a call on XXXX. The woman seemed very knowledgeable, immediately understood the situation, and assured me that she was expediting the return of the funds. ( I again provided my banking information to accomplish this. ) She told me that she would call me the next day, XXXX and let me know the status of the request, but it should be accomplished that evening or no later than the following day. She did not follow through with her promise to call me and update the status. As of this minute the funds are still sitting in the mortgage account as " unapplied funds ''.

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 2018-08-09
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This person from Diversified Consultants claimed that I owed about {$150.00} to XXXX. I don't have a XXXX Account. He claimed I had opened an account using my social security number and that if I don't pay the bill, that I don't owe, he said it would ruin my credit record. I have blocked the phone number from my cell phone. I called the number back and that is where I got the name " Diversified Consultants. '' The phone number is XXXX. I assume this is fraud and would like them stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Trident Asset Management, L.L.C.
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 dont know anything about this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation