BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.

Per settlement, All U.S. consumers can now get 7 free Equifax credit reports per year through 2026 by visiting  XXXX. 

I visited the above website to request my free credit report from Equifax, and was presented with 4 questions to verify my identity.

The answers to all 4 questions were not applicable to me, so I answered " none of the above '' for all 4, and was denied the report.

I thought maybe the computer had a glitch, so I tried again an hour later, and was presented with 4 bogus questions again. 
My wife also tried with her info, and also got 4 bogus questions. 
The questions appear to be randomly generated and don't apply to me, hence it is impossible to provide correct answers. 
For example, I was asked about my student loan even though I have been out of college for over 30 years, and never had a student loan. Most college students didn't need student loan in the XXXX. 
I was asked about my car loan from last year, even though I have not purchased a car in the past 10 years. None of these alleged accounts existed on my credit report, issued by Equifax electronic from 2 years ago. 

I suspect that Equifax is shying away from their responsibility to provide " 7 free Equifax credit reports per year '' by deliberately causing identity verification errors for the requester. 

From the same website, I passed identity verification from XXXX XXXX and XXXX very time. But failed with Equifax every time, after multiple tries. This is very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX ..they called and were asked to stop calling. They call multiple times per day. We have a max of 25 numbers we can block with our phone company and they are still getting through. They are relentless. This has been going on for 6 months or more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not login to get my credit score and free 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 non-monetary relief
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I made a purchase at The XXXX XXXX, the items were not what was described. I took my purchase back to the store, they accepted my return. They gave me a refund receipt, but as of today no refund has appeared on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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:
I have informed XXXX  and Experian that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX ( Experian acct ) {$1900.00} 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 non-monetary relief
Consumer complaint received 2017-09-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX, 2017 I applied for a Loan with XXXX XXXX XXXX XXXX. This Company Deposited Cash into my account so I tort. Found out later that it was personal checks by Phone into my account. I wrote TD Bank about this matter and there VP Investigator XXXX XXXX XXXX Replied to me in this matter Sense you gave your infomation to this lender you are held responsible for these checks because It 's your Bank account. " WOW '' Let me brake it down one more time to XXXX in steps 1 ) Cash Deposit is available RIGHT AWAY 2 ) EFT Deposit is available RIGHT AWAY 3 ) Government and Company Checks are held for 2 to 3 Business Days 4 ) Personal Checks are ( HELD AND CHECK TO MAKE SURE THE ISSUING BANK HAVE THE FOUNDS TO COVER WHAT IS WRITTEN ON CHECKS ITS ONLY AFTER THAT THE FOUNDS WILL BE RELEASE INTO YOUR BANK ACCOUNT. With in 5 to 7 Business Days. Confermation # with TDBank is XXXX the amount cease by this Bank is over {$3800.00} Dollars Pluse pain and suffering and the taking my sons XXXX Check

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: IL
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:
On XXXX, during the Covid-19 pandemic I contacted Citi Visa ( card obtained through Costco ) and asked if due to the financial strain associated with Covid-19 if I could have no interest charged to my credit card. I offered to make the minimum payment and then pay off as I could. The Visa representative named " XXXX '' told me I could have 2 months without interest. On my next statement I was charged {$73.00} interest. I called Citi and spoke with " XXXX '' and was told their notes said I received Covid-19 relief which is that the payments were waived for two months and there would still be an interest charge, I also talked to a supervisor " XXXX '' who said she would not adjust off the interest. This is contrary to what I was told by the representative.

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 2021-01-29
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a phone call from ProCollect about an account with a lease term insurance group that deals with our previous apartment 's owner company which is not true because we called the apartments company and they said that we owe nothing and we paid everything 7 months back and now ProCollect is asking us to pay {$120.00} for a broken light on XXXX XXXX2020 after more than 7 months since we left the apartment and sign the release without any debt. Please we need your urgent support regarding this issue. 

Thanks

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 2021-11-04
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Citibank checking account was compromised over 4 months ago and they decided to close it ; however, they never sent me my {$620.00} or the balance remaining. I have called them over 40 times only to be hung up on or placed on an eternal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Lendmark Financial Services
State: CO
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:
Monday XXXX XXXX, 2020. At XXXX XXXXXXXXXXXX. my mom had tried to pay her loan at Lendmark financial services LLC. They asked her a couple of questions, and proceeded to run a hard inquiry on my credit. Once I was notified that something had happened to my credit I checked and it had said my XXXX  score had dropped XXXX points. I called them and they were trying to say that it isnt going to matter. They also tried to blame a different credit union for the mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-29
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander consumer usa has in the past submitted incorrect information on my account to credit bureau. I told you all before about unfair practices and you did nothing.They have not corrected information on my loan in timely manner in past giving me poor score They already charge me interest only payments without applying to loan or thoroughly explaining it .We are under new administration in washington and new guy President Biden put in place i am contacting him letting him know your agency has done nothing out of all CFPB complaints I've submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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: Information belongs to someone else

Complaint:
Ive disputed items on my report which do not belong to me over 30 days ago and the items are still reporting on my credit report. Ive attached the copy of the mail I sent out to this complaint.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.

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 2021-10-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This dispute is in response to your recent claim regarding account # XXXX, which you claim I owe XXXX. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. You continue to call, mail, email and contact my family members and I am moving forward with legal actions. This is not my account and I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
I have been victim of identity theft for my information. I never opened the card with XXXX and my credit report had indicated that I owed them money. I have tried to contact them to correct and XXXX denied me for the correction and said once I called in the ask about that which means I am be aware of debt and also debtor which they dont disclose information about my information. The information is never corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2021-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called XXXX. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.

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 2020-11-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is the follow up to my previous complaints. Fraud department told me they made the decision on XX/XX/XXXX, not to return any of the funds to me in my checking account which they closed with no explanation. 

I no longer care why the closed the account. I know there was no fraudulent activity. In fact, the account was opening with a wire transfer directly from my checking account at another bank. 

I am awaiting they return of {$6500.00}. It was confiscated out of my account on XX/XX/XXXX. I am in the process of researching all regulator bodies where I can file formal charges for this error.

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 2022-06-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, 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 2020-09-10
Company: Experian Information Solutions Inc.
State: NY
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:
Dear CFPB, I sent a compliant for Experian that I am a victim of identity theft and they keep sending me the same EXACT message for the two complaints that I sent, along with A copy of my social security card and my driver license TWICE.

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 2017-08-11
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX [ Aldridge Pite Haan, LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XX/XX/17 ] To [ Aldridge Pite Haan ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, 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 2018-09-17
Company: EQUIFAX, INC.
State: UT
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 keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus Equifax and XXXX and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. 

It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. 

This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. 

Thank you for your time and assistance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong 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