BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: WI
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:
I had XXXX mortgage companies do a hard credit pull within the XXXX  days from Experian and they where all pulled on XX/XX/XXXX and XX/XX/XXXX of XXXX. Under the fair act I am under the understanding that those pulls were only to count has XXXX group and not individually. My credit score with Experian was XXXX when those mortgages where pulled. I checked my Experian account and my score dropped down to a XXXX. That is a drastic hit to my credit score. I emailed Experian and asked and informed them that I had a XXXX  day window to have the mortgage companies do a hard credit pull which all three where pulled between XXXX XXXX XX/XX/XXXX of XXXX. I contacted Experian on XX/XX/2023 and I was emailed back XX/XX/2023 saying that they do not know why my credit score dropped. I feel that they missed used my credit reporting and that this is not fair due to that I have a XXXXday waiting period. i have proof of what my credit score was before and what it is now with Experian.

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 2023-01-16
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:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help

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 2023-03-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT XXXX XXXX  XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/19 at XXXX XXXX I contacted XXXX XXXX XXXX XXXX/ XXXX XXXX hospital at XXXX, I told her that Ive been paying XXXX a month which thats the only thing I could pay, she said we cant accept that type of payment, is not that am not willing to pay I really cant pay more, than she said dont you work at XXXX you should be able to pay more. If you send XXXX dollars we would have to send the payments back, I really didnt like the fact that she said I could pay more cause I worked at XXXX. Plus that they would send the payments back not willing to listen, I said I dont appreciate you telling me that because I work at XXXX I have to pay more, she was I dont have to listen to you, you need to pay more and hang up. My debt if XXXX dollars I have more bills this what I could afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Square Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I use the cashapp for my business and I was paid on their by some customers. And in the middle of the night Friday XX/XX/2021 and Saturday XX/XX/2021. I was charge four times by XXXX Ads ( I have no idea what this is ) of {$25.00} dollars. Totaling in {$100.00} and they continued to try and charge my card four more times, but their was no money left and I blocked the card. I have been trying to contact cashapp through email. This is the only way you can actually get in touch with someone. Which they have continually send me to someone else. One person told me I had to contact the merchant, but how Im suppose to contact the merchant if I dont know who they are or how to contact them. When I ask no one has answered are responded to any of my question. I have emails everyday since and no one has responded to my complaints. I think its ridiculous that you can not speak to someone on the phone if you are a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens bank placed a hold on my deposit and froze my account. I received a tax refund deposit on XX/XX/XXXX. Citizen bank placed a hold to investigate. Ive been cooperative and gave them all the proper paperwork to prove that the deposit was from XXXX who handles the deposits from the irs. They have me a expiration date of XX/XX/XXXX which is today to release my funds. I spoke to 3 different representatives and they all gave me different answers on whats happening with my funds. The first representative said XXXX extension. The second representative said XX/XX/XXXX. The 3rd representative said wait until the afternoon. I asked all representatives if I can speak to a supervisor and nobody put me on the phone with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Patch Homes, Inc. dba Noah
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Straight flat-out blatantly discriminated against by XXXX, and it's XXXX employee senior underwriter ( XXXX ). Systemic institutional XXXX, and XXXX inequality business practices reared it's ugly head with blatant lies, bait, and switch misrepresentation taking place in the underwriting of my application process. The XXXX discrimination being performed by XXXX senior underwriter ( XXXX ), and her team members despite me being XXXX American, and having successfully concluded their document underwriting process, and paying in advance for the XXXX XXXX company only for XXXX discriminatory inequality business practices to rear it's ugly head, because I requested that I be assigned an more experienced qualified XXXX due to the age, and type of property that I have... which is my right as a consumer seeing that I paid the appraisal payment directly to the management company. Throughout the WHOLE document underwriting process i was being unprofessionally interacted with by ( XXXX ) the underwriter to include lies, bait, and switch misrepresentation in policy, and procedure... being contacted with phone calls from her from several different XXXX XXXX  phone numbers, and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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 am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXXXXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a XXXX and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.

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 2023-11-07
Company: Grant & Weber
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had my credit check when I purchased a new car and on my credit report there was a debt collection from XXXX  that I had no idea where it came from. I do not any money to credit card. The name on my credit report was Grant and Weber in XXXXXXXX XXXX XXXX in the amount of {$1000.00}. I know for a fact I do not owe any debt. I never received a letter or bill or services. I would like to clear it off my record.

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 2020-07-31
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$1000.00} XXXX XXXX {$2600.00}

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 2019-01-09
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : 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 2020-01-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today is XX/XX/XXXX. I have been contacting Citibank for the past month and a half. The issue is I've been trying to get my bank statements from the beginning of XXXX to the end of XXXX. I don't have an account with them anymore. I've called multiple times and have gone to many branches. The branch would tell me they don't have access to my old account and tell me to call corporate. Corporate would then tell me that they don't have access and that I have to go to a branch. I need these statements ASAP for tax purposes. The IRS sent me a letter stating they need proof of income for those specific years and the bank statements are the proof I need my deadline is the XXXX of XX/XX/XXXX. I don't have that much time!!! I'm just looking for someone that can help me resolve this issue.

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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
Please consider this as refiling of my complaint to the DEPT OF ED/AIDVANTAGE for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was comparing my American Express statement from XX/XX/XXXX with my XX/XX/XXXX statement. On my XXXX statement it shows that my APR on purchases made between XX/XX/XXXX and XX/XX/XXXX is 20.49 %. On my XXXX statement it shows that my APR on purchases made between the same time period of XX/XX/XXXX and XX/XX/XXXX is now 24.74 %. I called the bank and asked how it is legal for them to retroactively increase my interest rate and I spoke to multiple people that could not give me a straight answer. I was only told that I have a variable rate card and that the Fed is raising interest rates, which I understand. They told me to read my customer agreement. Nowhere does it explicitly state that they are allowed to retroactively increase my interest rate for purchases made during a previous time period. I also never received any written notice that they intended to make this change. This is predatory and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: WA
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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: KEYCORP
State: IN
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:
While XXXX XXXX  my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Reported that I was 90 days late on a payment, while in a current forbearance.

Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Three orders for the amount of {$780.00}, {$390.00} and {$450.00} were purchased on XX/XX/19 with the Macy 's store credit card. The XXXX tracking numbers for the orders, given a month later, are XXXX, XXXX, XXXX. The tracking information says that it was delivered on XXXX, XX/XX/19 at XXXX. I never received the orders and my attempts to file a claim with both XXXX and Macy 's have been rebuffed. I first contacted Macy 's and was informed that I would need to address it with the XXXX XXXX store. I went to the XXXX XXXX store and spoke with the XXXX manager, XXXX, and was told that a claim would need to be initiated by XXXX. I then called XXXX and was told that Macy 's will have to initiate the claim. I am being bounced back and forth by both companies and therefore, I am requesting a fair appeals process.

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