BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: LCO Financial Services, LLC
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 I took out a pay day loan with blue trust loans, however I did not know the annual interest rate was 637.77 %!!!!! Basically they are taking out {$180.00} weekly which know I have I have paid about {$1600.00} and by the time it is done I will have paid {$6600.00}!!! How is this even legal??? Ive made {$1600.00} in payment and the balance has not budged! I feel I was taken advantage of by Blue Trust loans ( aka hummingbird ) ... I was financially vulnerable at that time in my life and I was desperate for money and was not not notified on the phone about these outrageous interest or finance charges. Needles to say Im very upset and now Im an even worse situation then before!

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 2018-03-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On Tuesday, XX/XX/XXXX, my parents received a call for me concerning my Citi Simplicity Card.  This is very odd, as I have lived on my own for 11 years, and Citi does not have this number on file for my Credit Card. On Wednesday XX/XX/XXXX, I logged into my account and was greeted by a splash screen to contact their Customer Service Department at XXXX. I immediately call this number, and I am asked to verify my identity. I provide all the correct information ; however, the representative claims they can not verify me. I am then asked to provide them with a credit card account from another bank. I decline to provide this information, I am then asked to provide my bank account information. I declined to provide this information, and asked to speak to a supervisor. The supervisor stated that all they could do was mail me a letter to my mailing address, in 5-7 business days. Approximately 5 minutes after hanging up from the supervisor, my mother calls me to state Citi was looking for me at their house again. Thinking this was odd, I called the number on the back of my credit card. The representative told me that there was a problem with my account, but he did not know what it was, and that he would call me back on my cell phone. I waited 24 hours with no call back and called the number on the back of my card again this morning, XX/XX/18. I was greeted by a female representative that took all my information, and then states they are having technical difficulties, so I should call back in one hour. Later in the day I call the number again, and XXXX tells me that she can not verify my information. After a heated conversation, she says she has to mail me information, and requests my mailing address. After hanging up with XXXX, my wife calls me to tell me that XXXX from Citi called her cell phone looking for me. Again, this information is not listed on the account. So I call back, as I am pretty angry at this point. to see Why they seem to have information related to me, that is not a part of my account, yet they can not verify my account to tell me what they deem is wrong with 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 2023-12-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: In progress
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: JPMORGAN CHASE & CO.
State: CA
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:
XXXX ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX and I am a victim of Identity Theft. I have XXXX XXXX XXXX cards on my credit report for {$420.00} and {$1200.00} totaling out to {$1600.00}. Also XXXX inquiries that aren't mine XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Please remove these inaccurate accounts and inquiries as soon as possible. Attached is my FTC report, ID, and social.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo repossessed my car I don't know how fees were coming from everywhere

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 2020-09-12
Company: Experian Information Solutions Inc.
State: HI
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 {$0.00}, {$540.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -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 2020-06-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent XXXX XXXX ( on XXXX named XXXX XXXX ) {$30.00} for a ticket to a stand-up show. After confirming the payment to her, she requested another {$10.00} for a transfer fee which I said I shouldnt be paying. After that she blocked herself from the conversation. Communication is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: AZ
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 disputed several false credit inquiries to XXXX. I also called the companies to remove the false information. XXXX  continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items DELETED from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. 
1. INACCURATELY REPORTING XXXX   Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY XXXX. INACCURATELY REPORTING XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 3. INACCURATELY REPORTING XXXX XXXXXXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 4. INACCURATELY REPORTING XXXX XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY XXXX. INACCURATELY REPORTING XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 6. INACCURATELY REPORTING DEPTEDXXXX  Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 7. INACCURATELY REPORTING XXXX XXXX Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 8. INACCURATELY REPORTING MIDLANDCRE Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 9. INACCURATELY REPORTING XXXX XXXX  Account Number : XXXX DELETE IT FROM MY CREDIT REPORT IMMEDIATELY 10. INACCURATELY REPORTING XXXX  Account Number : 1956 DELETE IT FROM MY CREDIT REPORT IMMEDIATELY Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$200.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  ) XXXX  Balance : {$6300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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: 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have contacted XXXX XXXX XXXX XXXX  multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX XXXX {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. XXXX XXXX did not credit my account until XXXX. 
I have provided my bank statement to XXXX XXXX proving the funds have been received by XXXX XXXX on XX/XX/XXXX. XXXX XXXX statements confirm the payment was made on XXXX, but they will not remove the late payment from the three credit bureaus. It is the only mark against my credit. 
I have contacted the three credit bureaus on XX/XX/XXXX with a copy to XXXX XXXX  to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not XXXX XXXX ) that XXXX XXXX dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with XXXX XXXX today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX  account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX 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 2022-06-14
Company: Experian Information Solutions 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 XXXX AND 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 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 explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 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 explanation
Consumer complaint received 2020-10-30
Company: American First Finance, Inc.
State: CT
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:
An account was opened in my name to which I had reported to the company itself and the ftc. The company in question is refusing to remove my name from the account because they feel I wasn't a victim of identity theft even after I explained the details of how any why it happened, they in turn notify me that that im still being held responsible. I lost my pocketbook that contained my wallet, keys, phone etc. My information was used to create accounts, my debit card was used for purchases as well. No police report was made because they didn't feel a lost bag was anything to report. It wasn't lost in result of a crime ( being stolen ) from what I was told and they can't help with identity theft. 

I wrote 2 affidavits regarding this and sent it to them, they're rejecting both because it's not from their website. I explained I do not have a printer to print 8 pages, notarize it and mail it out but that all the question asked on their form was addressed. They just referred me back to print out forms from their website.

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 2022-06-14
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
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:
FNB OMAHA, checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail. 
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit. 
No phone call ever came. Identity theft.

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 2018-05-04
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called in today to get the address and telephone number and each employee that I spoke to was very rude and transferred me to the wrong department. Because they new was filing a complaint against them. I did not try to report the employee 's because they are only going to run me around and not get the correct department,

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