BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested 2 times to verify debt company does not comply and provide ( letter attached ) Tried calling company stated I owe debt and they do not have to provide back up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the third time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I just received my letter, stating that my fraud issue could not be resolved due to payments were made while the card was in use. And it's common use for whomever to make payments until the balance was high enough that they no longer wanted to make payments. While waiting for a resolution, I received a email stating I had purchased a pillow in which I didn't. Again this happened in my account. So I reached out and chatted with someone so I could have proof of the conversation, that someone in fact was using my account. The only thing is now, it was with a different credit card, and being sent to another address I do no reside at. I have attached that conversation by email in this complaint for proof. I was even told it was canceled and I had nothing to worry about. Within a few days later, I received another email saying the item was being shipped. And I have attached that email as well. I just don't understand how this issue can never be resolved all because someone made payments, when Im stuck still making payments on items I did not purchase. Of course someone is going to pay, when it will affect their credit if they do not pay. That's just common sense, especially when you have been fighting with the company. Then I go to make a payment today, and see more than one card with different balances. How is that even possible? I have attached that proof as well. This is a entire mess, going on. I would like for the request to go higher than just the resolutions specialist.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM XXXX, TRANSUNION, AND 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 2020-09-07
Company: EQUIFAX, INC.
State: ND
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 have sent letters to all 3 bureaus regarding some accounts that were inaccurate on my credit report and XXXX XXXX and XXXX  removed them, but equifax has failed to remove them or give me any letters showing information on these accounts. It has been a year now. No explanation or letters or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I am a victim of Credit Acceptance ( CAC ) deceptive loan practices. Their deceptive practices include their algorithmic determination for loans, how that algorithm is then used to incentivize dealers to overly inflate vehicle prices, how the true cost of CAC credit is higher than disclosed on the CAC loan agreements and they are quick to reposes a vehicle once they hear from you that you will have difficulties with the loan payments. 

I purchased a vehicle through CAC in XXXX and made timely payments until I fell on financial hardship. In XXXX I reached out to CAC to attempt to resolve or lower my payments to no avail. I reached out again in XXXX to try to turn the vehicle in but received no feedback or assistance and repossessed the vehicle within 24 hours of me trying to turn it in.

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 2018-02-10
Company: Exeter Finance Corp.
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 have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
All three credit bureaus continue to report fraudulent information on my credit report. they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2018 under reference numberXXXX I applied for a credit card account with Chase. I was notified by chase that they needed verification of my identity so I sent them a copy of my Florida drivers license and social security card. I even called Chase to verify receipt of those items. I explained to Chase that I recently sold my home on XXXX XXXX in XXXX XXXX Florida and bought a new home on the beach in XXXX XXXX Florida. I informed Chase that this information could be verified through the XXXX County Property Apprasierss Office for the XXXX XXXX XXXX address and the XXXX County Property Office for the XXXX XXXX XXXX ( new ) address. Chase ignored all information provided to them and lowered my credit score with their inquiries. Chase then sent a letter to my old address even though they were given proof of my new address. This is NOT my first run in with Chase in applying for a credit account. Chase has a strong history of discrimination and violating the Consumer Credit Protection Act. I have several files on this. I applied with Chase about four years ago and they discriminated against me back then while they were accepting government bail outs and building new bank branches all over the USA with that bail out money. I applied for an interest free card with them recently. I can be reached at my home address of XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX or you can contact me directly at XXXX or you can write to me at my p.o. box at p.o. box XXXX XXXX XXXX Florida XXXX. All of this information is ON my credit report and available to Chase. Chase has a history of discriminatory practices related to me and will result in federal litigation being filed against them. But first decided to contact this agency first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CITIBANK, N.A.
State: TX
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 charged {$99.00} a year. I called to see if Citibank XX/XX/2020 could wave the annual fee as the interest rate of over 20 % was not competitive with what I could get elsewhere. Citibank could not, so I paid my balance in full online. And Citibank confirmed that my balance was paid in full and that there were no pending charges. 

A couple of months later Citibank called and said I owed a balance for one charge on XX/XX/2020, that went through on XX/XX/2020, which was after I had closed the account. And Citibank had tacked on fees and interest that more than doubled the balance I owed. And again, Citibank had confirmed on XX/XX/2020 that I had paid the balance in full and that there were no pending charges. 

I checked balances on this account online and never received a statement. Once my account was closed on XX/XX/2020 I no longer had access to see my VISA card balance. I had no way of knowing that Citibank incorrectly informed me that I had no pending charges, and that the pending charge had been processed the day after my account was closed. And Citibank made no attempt to contact me. I assume this was because Citibank saw an opportunity to exploit the consumer for fees and interest. 

I have spoken with Citibank numerous times and sent a hard copy letter requesting Citibank drop their late fees and interest, but Citibank refuses to accept responsibility, but rather continues to pile on late fees and interest. 

Citibank has been truly irresponsible and unprofessional in this situation and I worry they are applying similar predatory practices to other customers. 

Thanks so much for looking into this situation for me. 

Sincerely, XXXX XXXX PS. Credit Card ending 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 2020-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$330.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.

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 2019-10-25
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 For the amount of {$230.00} from XXXX  claiming I owe for rent a car service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$330.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.

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 2022-09-11
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX has ignored all emails sent to them requesting updated statements on all active accounts. I have no clue of my balances owed or paid. I have requested several times for statements to be mailed to my address. It has been months since I actually received statements by mail of all active accounts that I currently still have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert from XXXX  that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, 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 sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
See attached documents. 
Equifax has erroneously prevented me from opening an account with XXXX. Equifax has an error on its side I need it to correct. I am unable to reach Equifax by phone or on-line, as explained in an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX {$300.00} payment told verbally that it delay XX/XX/XXXX!!!! 
XX/XX/XXXX {$500.00} payment has cleared but the card company has once again put my payment on hold with no explanation. They now have stolen {$500.00} for their use.

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 2018-02-10
Company: Experian Information Solutions Inc.
State: FL
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 recently received a copy of my Experian credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX on behalf of XXXX XXXX that I did not authorize. I have contacted XXXX XXXX XX/XX/2018 and was informed that I would have to send a copy of my drivers liscense and full social security mumber for validation purposes before they could help me with my claim. I do not feel comfortable with submitting such personal information to a possible fraudulent company. 
They also advised me to register with there so called credit bureau service to pull my credit report. 

They are advertised as a credit bureau affiliated with experian. I have never heard of this company. I XXXX this company and they have history of identity theft resulting in unathorized payday loans. I am afraid that submitting a copy of my photo id and full social will result in such fraud. I have never been asked to submit such personal info .. Also signing up for there credit reporting services and getting my report pulled would validate there inquiry claim. I feel this company is not legitimate and should be removed from my credit report before anymore damage is done. 

I have attached proof and request that you investigate this matter and remove it immediately from my credit file.

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 2018-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested my free credit report to Equifax through the XXXX XXXX XXXX online. 
After rewing and going through the process requiring from Equifax as answering all the questions for verification, the system denies me, to get my Equifax credit report.

Company response to consumer: Closed with explanation