BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, USA XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: GA
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 mailed have called Experian, XXXX, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.

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 2019-01-18
Company: Collection Bureau of Fort Walton Beach, 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: Account status incorrect

Complaint:
I lived in an apartment complex in XX/XX/2016, with no complaints or damages. I looked on my credit report recently, and noticed a derogatory mark from COLLECTION BUREAU OF FT. I called and asked about the mark, they said it was from the apartments and that there was {$930.00} in damages, they had used my {$300.00} security deposit, and my {$630.00} bill had gone to collections, where they posted it on my credit report. 

I was never made aware of this bill from the apartment complex or collections agency. I asked for proof of the debt, which I have not received in over 30 days now. 

I got in touch with my roommate from that apartment, and he said the same thing happened to him! This does not make sense, because the *total* security deposit was {$300.00}, and the alleged *total* damages were {$930.00}. How could we both have the same exact charge? We did not contribute a total {$600.00} security deposit. Also, what is the likelihood that we both missed bills from the apartment complex and the collection agencies? 


We both have been asking for answers for months now, and no one will respond. This is lowering our credit reports unfairly.

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 2022-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, XXXXXXXX XXXX I called Equifax to get information about a dispute that I submitted to them on XX/XX/2022 via mail. Records show that Equifax received my dispute letters on XX/XX/2022 ( USPS Tracking : XXXX ) but as I spoke to the Equifax representative, XXXX, she informed me that my disputes had not been looked into nor were they even documented. 

Per records on my Equifax online portal, the disputes were closed and opened within two days. I also received notifications that the information was updated on my credit report and confirmed by a credit monitoring company that I use. As I explained this to XXXX she assured me that there was no history of any documents or any disputes being opened or closed. 

As a consumer, this frightens me simply because I have been trying to remove these accounts from my report for over a year. This leads me to believe that they have never truly confirmed any information regarding these accounts. 

XXXX has already filed a complaint internally with Equifax ( Complaint # : XXXX ) but that is not enough. I demand that action be taken for the lack of professionalism by a company that is supposed to be looking out for the consumer. Please see attached screenshot in regards to the matter, along with copies of the letters that were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Trident Asset Management, L.L.C.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't nor have I ever owned any type of account with XXXX XXXX XXXX. I have Disputed this matter with both the company and their representative, Trident Asset Management, negatively reporting on my Credit. I am prepared to sue this company and XXXX for falsifying information about me in Libel and Misrepresentation. I have written numerous statements in Dispute, letters, and request for Discharge on this debt alleged to me. I have requested proving documents to verify the information provided to obtain whatever kind of account this is but these companies refuse to provide the proof that I agreed to or that I used my identification to activate an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My credit card was paid in full. It is current and I want it out to current and. Not have negative on my credit report. They got there money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was interested in refinancing. I was given details and provided information to get rates and an estimate. When I told the person that I would think about it, they became aggressive and not willing to take no for an answer. I asked for more details via email and ended the phone call. I now receive at least 4 calls per day from Rocket Mortgage and when I ask to file a complaint, I am placed on hold and then the call is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon looking at a credit report, I noticed a collection account from XXXX  XXXX   XXXX. I seen there was a date from 2016. I have not received any contact from such company explaining my rights to dispute. Also they have not been able to provide proper documentation regarding a contract between myself and XXXX XXXX. My original debt was with Chrysler capital where I returned the vehicle too. Also chrsler capital failed to inform me of the 3 days change of mind clause allowing me to back out of loan in 3 days. I returned vehicle back to Chrysler capital less than a year from sale. It was a preditory loan that would have me paying {$40000.00} more than the vehicle was worth. I have disputed the XXXX XXXX on through all 3 credit bureaus and they continue to illegally report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo issues me a credit card with a {$6300.00} credit limit that was never applied for. I have contacted them and opened an executive complaint ( XXXX ) and they admit they have no application for the account, but refuse to close it.

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 2018-01-03
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I were living at XXXX XXXX XXXX XXXX XXXX, SC XXXX on or about XX/XX/XXXX I suffered severe medical complications causing us extreme financial hardship. We no longer had the financial means to maintain this property and no ability to utilize any of the services and/or memberships associated with the property. We ceased our memberships associated with the property, including the Signature Full Golf Membership releasing us from any on-going membership fees associated with the property and Golf Membership fees, also this property was subsequently reclaimed by the bank and resold to new owners in XX/XX/XXXX. Applied Business Services , Inc is a collection company working for XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a billing statement in the amount of {$120000.00}, this statement shows on-going billing for this membership up until XX/XX/XXXX. I 've contacted the Collection Company and XXXX XXXX multiple times pertaining to this matter and they have been unresponsive and placed a negative posting on my credit reports in the amount of {$120000.00}. I 've tried disputing this account with the credit bureaus and they continue to verify this account as accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 customer service has fail to remove the below unauthorized inquiries that are reporting on my Transunion Credit report, and I would like to file a complaint against Transunion to immediately remove these inquiries. XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/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 2022-02-08
Company: EQUIFAX, 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:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX XXXX ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
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: Billing dispute for services

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
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:
Partial account # XXXX. I recently discovered that Home Depot/ CITI BANK reported to the credit bureaus that I was 30 days late for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted Citi Cards on or around X/XX/17 and explained what happened and they initiated investigation. On XX/XX/17 I called CITI BANK and they advised after conducting their investigation, they would not be fixing the error. I have checked my back statements and made the following payments and was never 30 days late. X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITIBANK on X/X/17 ) X/XX/17-made payment of {$140.00} ( on-line payment # XXXX ) X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITI BANK on X/XX/17 ) These inaccuracies reported by CITI BANK has caused my credit score to dropped my score dramatically. They do not seem to care.

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 2017-07-26
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:
Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Subject : Billing Statement Dear sir/madam, This letter is regarding my Home Depot Credit Card Interest rate. I must begin by saying I have been a loyal customer since 2015. I have always paid my dues on time and I always pay more than the minimum requested. Home Depot uses promotions as an appealing way to entice their customers to join their credit card services. I signed up for the home depot card with the entry offer being 12 months zero interest. So, I was quite surprised with I opened my online statement and see that I went from a zero percent interest rate to a {$210.00} interest charge, especially being that my bill was only a remaining balance of {$560.00}. When I called Home Depot to discuss the large interest charge I was told the following : Customers are given zero percent interest rate for the first 12 months. I kindly asked where home depot came up with the calculated large amount considering the remaining balance was so low. The representative went on to explain that in the fine print of the final statement it states that if the remaining balance is not paid before the final statement, then the customer is charged a 12-month interest rate of 25.99 % for the year. The representative went on to explain that no one can assist with adjusting the rate and I have no option but to pay the increased rate.
So, Home Depot went from what I thought was a zero percent interest rate to now a rollover interest rate of 25.99 %. So, 25.99 % of {$560.00} is {$140.00}, yet I am paying a 37.6 % interest rate for the year. So, not only am I blindsided with their fine print agreement but I am being charged interest on top of the interest rate. I feel betrayed that I as a loyal customer for 3 years with no tardiness and paying more than the minimum due that Home Depot would not do more to personally notify their loyal customer of such an increase and make matter worse do nothing to assist them. This is a way for conglomerate companies to take advantage of their loyal customers and charging an in-interest rate of 37.6 % is outrageous.

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 2017-07-26
Company: U.S. BANCORP
State: CA
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:
The U.S. Bank charged me $ XXXX/per overdraft. They continue to do multiple charges overnight when your deposit is considered not in place yet. I cashed my checks at XXXX and deposited my fund to cover the checks at XXXX. I ended up getting 3 overdrafts. Over the phone, different branches, home branch included and all the bankers were finding their ways to excuse that 's not the bank 's fault. That 's to tell cut-off time is on customer 's fault. I asked if there is any leeway or courtesy to help waive some overdraft fees as I have never had that happens to my US Bank account, they insisted at NO. Horrible banking experience, terrible customer service.
The XXXX XXXX XXXX where I deposited my US Bank check into charged me {$12.00} fee for the return check while I 'm their newly opened account owner and unfamiliar with banking at XXXX XXXX XXXX. I asked the local branch banker and he turned to ask his manager, none of them could help reverse the fee. It was another bitter moment.
I forgot my book of checks from XXXX  where I hold most of my fund. I had the book of US Bank checks with me instead, so I use those checks to deposit money from US Bank to XXXX XXXX XXXX. I lost {$120.00} due to unfair overdraft charges and bureaucracy.

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