BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to present a complaint against Fifth Third Bank. They have unfair consumer practices. In XX/XX/2021 Fifth Third risen my mortage payment from {$2500.00} to {$3700.00}. I've risen the concern since XXXX ( E-mail attached ) that this monthly payment is a hardship for me and requested support from the Bank with no response as of today. I have requested to remove a PMI insurance they have on my Mortgage of around XXXX on a monthly basis. I am already paying {$3700.00} for my mortgage and between the Taxes and the PMI, the Escrow of this mortgage ascends to {$1700.00} monthly on top of my principal and interest. I have escalated the case to remove the PMI, as the current loan represents only a 56 % of the property current value and offered to pay for this appraisal to get this PMI removed. And having not missed any payments on, y loan in addition of having a good credit score. With only a waiting response from the bank ( e-mail from XX/XX/XXXX attached ) when I need to continue paying and paying month over month and nobody cares about me as a consumer. 

Please help me alleviate this situation, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was checking rates for a XXXX loan/unsecured and inadvertently applied for a loan. I checked again to see a different term length and another application was created. Therefore, I had XXXX applications with Pen Fed. I received multiple marketing calls, emails and texts regarding these XXXX applications. I created these applications on XX/XX/XXXX. On XX/XX/XXXX ; I decided to pursue XXXX of the loan applications. I was denied on application # XXXX so I tried application # XXXX and was denied. So I called Pen Fed about the denial and was told I was denied because the date of the was more than 10 days so go ahead and apply again ( attempt # XXXX ) ; I was denied right away. I called Pen Fed back again and was told it should not have been denied and it was because it was my browser that I should use chrome. Now Pen Fed can't tell me why they denied me. I suspect some type of bait and switch deal going on here. They say they " think '' its because of XXXX ratio but that is doubtful based on my income vs. debts -- -highly doubtful. My fico is XXXX and credit is excellent. 
I need assistance because now I have XXXX credit denials on XXXX inquiry -- -two of those were made at the sole recommendation of Pen Fed staff. I don't trust Pen Fed to assist me. I need the assistance of your bureau.

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 2019-11-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a bank account with TD Bank. I needed my bank statements for XXXX and XXXX and was unable to get it on the phone. They asked me where the paper statements went and it was a long time ago but I had a lawyer taking them in but he returned them but never sent them to me. 

It was a while ago and now I have no statements. I could not use the banking by computer as I tried to do it but it would not work. I had legal loans and money coming in but now I can not prove what came in and went out as I get Social Security which says I have to keep less than {$2000.00} in the bank at all times. 

Could you have the bank mail me XXXX and XXXX bank statements as I paid some rent but can not prove it without you sending it as my landlord did not give me a receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: On-Site Manager, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They erroneously reported two evictions and a judgment against us, resulting in us getting denied an urgently needed apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I tried to correct payment with a credit card company belive it was XXXX. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
I reviewed my Consumer Report and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Credit Karma, LLC
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 was checking my credit score on Credit Karma on XX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from XXXX XXXX XXXX ( XXXX ) with the creditor name : XXXX XXXX, XXXX XXXX XXXX, XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from XXXX XXXX cause I did not even know that company existed. I have sent a mail to the support email for XXXX XXXX   sand is waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
USAA is unlawfully withholding {$9300.00}. They mistakingly processed {$9300.00} return to an external bank when {$9300.00} should have been issued to me, as per their procedures. AND then they refuse to correct the problem, thus misplaced MY {$9300.00}. 
I want my {$9300.00} back to me, and I want criminal charges against USAA for illegally holding my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI has been sending me collection notices in the amount of {$85.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2017-12-12
Company: EQUIFAX, INC.
State: NY
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:
Regarding lowest credit score of the 3 reporting agency.

Equifax co. Keeps reporting my credit score far below the other 2 reporting agency and is keeping me from obtaining a loan to repair my credit. If it is at all possible to review my report to bring it up to near the other 2 reporting agency would be appreciated. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: WI
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:
Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Key Bank XX/XX/2019 Went to branch & requested all accounts closed ; checking, savings, credit card. Received check for savings balance while at the branch. 
- Received email about account activity. Logged in & saw further activity on account ( credit card not closed out, account fee assessed, otherwise no balance for any charges ). 
Contacted customer service via bank website about account fee, was told CC account is still open. 
XX/XX/2019 Went to branch to follow up, manager assured me account would be closed, fees reversed as bank error. Manager said additional check issued by bank to me as CC fee refund XX/XX/2019 {$25.00} needed to be returned to bank in order to close CC account. 
- Received {$25.00} check in mail XX/XX/2019 Brought {$25.00} fee refund check to branch to close account. Received receipt from bank confirming their receipt of check & closure of all accounts. 
XX/XX/2019 received email about account activity. Contacted customer service via website, received reply that CC account still open. Unnamed account fees assessed, balance of {$0.00} I don't have a fax/scanner/copier but I can make copies at work and mail them in via USPS if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-28
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Basically I was shopping online at XXXX. When I was checking out it said I could save 40 % on this order if I applied for the card ( It even gave the exact dollar XXXX I would pay if I got it ). I applied. It said approved and said it would be added XXXX order. It wasn't. I called customer service to get the card number and a code for the XXXX percent off. The first associate hung up on me. The second directed me back through the automated system. At this point I knew this must be a regular thing for them and the employee knew I wasn't getting what I want and was going to be upset. I asked for a manager and he told me Don't worry, you'll get your card in a week and can use it then. I was like, No... I want to use it for this order. He told me it had to be used when making the order so he couldn't help me. I was still in the order!!! I had left it on my phone for days. So basically I made a contract with this company that I applied for their card and I got 40 % off. I did my part and they didn't follow their part of the contract and they don't care. The bank is called Comedity Bank. The manager wouldn't give me any last names and said there was no one above him to speak to. So basically I got scammed and my credit is taking a hit for no reason. He told me he couldn't close it and can't do anything about my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hi I went to a local bar on the evening of XX/XX/XXXX and made two separate transactions for drinks in which i even recall signing for in the estimated amounts of $ XXXX {$40.00} & $ XXXX {$50.00} for each transaction. The next morning I realized my card was missing from my posession and than noticed on my citi app there were multiple transactions of {$200.00}, {$380.00}, {$35.00}, and there was also a {$40.00} something charge that is no longer on the account for whatever reason. I only authorized and signed for 2 transactions which im only aware of around {$30.00} & {$40.00} amounts. I immediately called citicards to dispute this, the investigation went on until i recieved notice today XX/XX/2019 that my dispute was rejected and I owe all the amounts. Very poor security with there cards and service. They should be embarrassed of themselves that ive been a client for around 15  years with several different accounts, loans, financials, etc & through the years a few minor disputes that always resolved because im truthful. Well in this case they do not want to help secure my dispute and feel completely betrayed by the banking repationship ive had with citibank for so many years. This is disgusting on every level, they should be ashamed of themselves.

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 2019-11-04
Company: Kashable LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/31 I applied for a loan with Kashable. After applying and pulling my credit report Kashable advised that I had been approved for a loan paid through payroll allotment. I was asked to submit 3 months of banking statements, a copy of my photo id, a copy of my social security card, proof that I set up an allotment to pay the loan, and a utility bill. Subsequently AFTER SETTING UP AN ALLOTMENT that I can longer cancel. I was advised the loan was denied. Kashable is on social media and has reviews of other customers who by virtue of photographs appear to be in their XXXX, XXXX and early XXXX. I believe that Im being discriminated against based upon my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX, Equifax took 35 points away from my credit score for XXXX XXXX trying to collect something they shouldn't have. XXXX and XXXX  removed them from my credit report, after I disputed but Equifax did not. Equifax only closed this account. I never paid or owed them as I paid the original creditor XXXX XXXX XXXX. This seriously effected my credit score, so I contacted Equifax on XX/XX/XXXX. The lady I spoke with was clearly not hearing me, talking about there score model and other factors. I stated there are no other factors for XX/XX/XXXX, XXXX XXXX was the only factor and if you took away 35 points, why haven't I gotten my points back. They were never supposed to be on my credit report, hence XXXX  and XXXX  removing them and giving me my points back. I am writing this complaint because Equifax is not reporting correctly and it is causing me harm. I asked them to fix this and they are not willing to do so. Furthermore, there have been countless complaints against XXXX XXXX and I believe they should either be sued, shut down or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was XXXX years old when I applied for this loan, I was under the impression that this was the best loan for me because I was unable to qualify for federal student loans. 

Once I started repaying my loan my repayment amount was about {$650.00} a month. I was unaware the payments would be so high because I was never told what the monthly repayments would be. 

Due to financial hardships I spoke to the lender, XXXX XXXX, and was advised that my only options to repay the loan were to 1 ) defer the loan 2 ) declare bankruptcy I had to defer the loan 4 additional times because the payment amount kept rising. I spoke to XXXX XXXX on repayment options and they advised me that my only option was to declare bankruptcy. 

Due to the lack of repayment options from XXXX XXXX, the loan is now 3 months overdue and I am in a worse financial situation then I was when I graduated school.

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