BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Experian Information Solutions 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:
I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And Experian report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.

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 2020-07-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my Best Buy credit card XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX ID XXXX XXXX credit card unlawfully closed my account without a prior notification last year. 
Per my discussion with their customer service, they said it is their right to discharge any consumer card without notice and for any reason, even when I am satisfying the payment cycle through regular payments. 

I have paid the remaining balance on the card which was still accumulating due to their charges and interests, even when the card was closed last year. 

It is great that I recognized this devious credit card provider and closed the account by fully paying the balance. 

However, 1. They are misusing their credit grantor privileges by destroying customer credit reports by unpredictable card closures.

2. Why should I suffer as a consumer all the time, when my credit card gets destroyed by the credit grantors discretion.

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 2023-06-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EQUIFAX , INC . I'm looking for an fair and equitable solution to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$2900.00} Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$1800.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: MI
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 a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
AUTOMATED XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive contacted them in reference to my name having a suffix on the contract and my name doesnt originally have one so I feel as though it should be taken off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I notice there were two pending withdrawals from our Mortgage Company, Freedom Mortgage from my bank statement. I immediately called Freedom Mortgage to let them know about the two payments pending instead of just the 1 payment. They told me to wait until the payments went through. Then I would need to send them the bank Statement showing the withdrawal. Freedom Mortgage then stated it will take 10 days to return my money back to my bank account. I called my bank, XXXX XXXX in order to stop one of the pending withdrawals. They also told me they could do nothing until the payments went through. 
Today, XX/XX/XXXX Freedom Mortgage allowed the transactions to go through and withdrew the 2 payments {$1200.00}, instead of 1 payment of {$1200.00}. I immediately had to drop what I was doing and go to XXXX XXXX in order to dispute this transaction. Our reference number can be given upon request or you may contact XXXX XXXX. XXXX did however, return the {$35.00} for insufficient funds. 
We have tried to Call Freedom Mortgage and was put on hold for almost 1 hour before the call was cut off. My wife even tried to call the Corporate office in New Jersey but they were closed. Due to Covid we have very little savings ; It is Friday afternoon we can not reach anyone at Freedom Mortgage to dispute this. They said yesterday, it will take 10 days for our money to be returned. This is XXXX, ( XXXX ), our grandkids are coming to visit for 3 weeks ; I will not get paid again until XX/XX/XXXX. We are VERY short on funds and we have very little money for food and gas. We can not wait 10 days for Freedom Mortgage to return our funds. We have other bills to pay. These bills are coming due and Freedom Mortgage has put us in a very difficult predicament! Therefore, we CAN NOT wait. We need our fund released immediately!

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, 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 2018-07-26
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX if they try to file something. Whatever, I will go to court. I didn't make the loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - 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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified 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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - 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 2017-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX 2015 I paid Wells Fargo Bank a personal loan in its entirety. A few months later a got on my credit report a negative delinquency status about this same loan. According to the bank, I failed to pay a small balance that I never received a bill for or any type of communication after I paid the loan 100 %. When I learned about the negative credit report reported on me by Wells Fargo, I immediately contacted them and I was given a fax number where I should send a complain and a full explanation. I did sent a fax not only once buy twice after not hearing from anyone at that bank. 

The last thing I did was to sent the same communication I have previously sent via fax but this time I did overnight it and still nothing happens with this people. Meanwhile, my credit records has been damaged by this situation.

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 2020-07-21
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told by lonedepot XXXX XXXX Licensed Lending Officer NMLS # : XXXX, the total closing cost is around {$3000.00}. After they put different things including that I purchased points and origination fee of 2.8 %, which is to inflate the closing cost .it is outrageous to trick your customers in such manner, and make them sign documents. And they also did the same thing to my other friend who I referred. 
And I believe it deceptive and illegal to, charger my credit card for more than {$500.00}, run credit history, and to access my information by giving me a misleading information. 
Because of this my credit run has been affected. I want them to fix that. 

They recorded they conversation we had. That will proff what they do their customers!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XX/XX/XXXX and XX/XX/XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My husband has had the same experience with the bank ( he will be filing a separate complaint with you ), and the dozens of complaints written up by other customers at this site : XXXX XXXX XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: OH
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:
Subject : Refusal to Investigate Erroneous Experian refuses to remove erroneous information from my credit file. Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
card is set up on autopay has been for about a year. all of a sudden in XXXX the auto payment did not go through, and i got a late fee. I called capital one and they say they have no information as to why it didn't go through, I told them it's a bank error but they are saying it must have been something you did. I'm telling them I am looking at the online banking now and i still see that its on autopay so how is it something i did? XXXX went through perfectly but not XXXX? i am asking for capital one to fix this bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly asked them not to call my cell phone, i will only deal with them in writing. I have provided my home address and email address for communication. They call repeatedly every day, multiple times a day and constantly change the number when i block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Account name changed with unconscionable errors. I.e. no attempt at accuracy at all by comparison with existing info.

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 2020-12-05
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated my mortgage refinance application with Key Bank on XX/XX/2020 and paid my application fee on XX/XX/2020. However, 3 months later, the underwriter has not started the review. The lending officer, XXXX XXXX ( NMLS XXXX ) has been unresponsive to my emails and phones regarding status update, and provided wrong estimation on closing date.

Company response to consumer: Closed with monetary relief