BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THERE ARE CHARGE-OFF ACCOUNTS ON MY XXXX, XXXX  AND XXXX  CREDIT REPORT THAT DONT BELONG TO ME. 

1 ) CB INDIGO CBNA ACCOUNT # XXXX 2 ) CITICARDS CBNA ACCOUNT # XXXX 3 ) XXXX/XXXX/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 2017-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried yesterday and today to place a 90 day credit alert on Equifax 's website after their lax cybersecurity processes distributed my private information to hackers. Their website just does NOT work! It keeps saying they have a system problem. This is unacceptable. When can I become part of a class action lawsuit against Equifax? The XXXX and XXXX sites work fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX would like to formally complain about my mortgage servicer XXXX. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2019. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2019. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, 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 2023-04-14
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
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 fraud alerts or security freezes

Complaint:
Trying to utilize Experian is a nightmare. I have tried to create an account, logon to their website, and tried to call their company. Every phone option leads you to be hung up on. This is intentional. I tried to reinstate my credit freeze online and it will not allow me to. Then I went and tried to create an account online so I could manage it. It wouldn't work. Then I tried to call the company to get access to my account. It is a vicious circle designed to frustrate consumers without providing any resolutions.

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 2023-09-25
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Regarding XXXX country of XXXX and Exeter Finance llc, purchaser and buyer. This matter consists of fraudulent and incorrect information on parties auto loan agreement. Written copy of loan agreement was not provided to buyer or cosigner during purchase. Was given XXXX XXXX that required payment to view which soon after expired. XXXX is extremely higher than agreement. Contract is predatoryly unfair and should be considered as Usury. Would of never agreed on paying almost XXXXXXXX XXXX for an used XXXXXXXX XXXX vehicle. Complained to XXXX  which caused lender to email purchaser that company wanted to help but when contacted was only concerned with when and how much would be paid. Lenders employees gave false information of amount of payment for 30 day grace period due to repairs needed on vehicle that dealership refused to repair under active kunes no fear warranty. Correct payment would have been made if employee would have given Correct information which IS documented on phone conversation with lender. This is another fraud concern since lender immediately charged fees for breaking agreement and never worked with buyer in this situation. This caused buyer to be behind two payments ever since. Lender calls multiple times daily just to be told the documented conversation on biweekly payments being made in attempt to update payments. Were I believe fraud came into play was with dealership. They either mistakenly switched cosigner and buyer ( my belief is because cosigner had auto insurance but buyer did not at the time ). This was done without consent and would be financially impossible because buyer ( who is switched to cosigner ) at that period has a subpar below XXXX credit score. Cosigner ( which is now buyer had sole auto AND mortgage loan ) would've never been approved financially for that loan and it makes no sense for sn XXXX credit score to cosign. Would not have needed subprime lender or cosigner with XXXX credit score would have been done through bank not dealership. This has put grave financial burden on our family and impacted both of our credit scores and the ability to lend. Have no knowledge if dealership lied about finance for approval and its very concerning. Lender has many worrisome lawsuits and settlements for this reason plus many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NJ
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:
Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-14
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 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 2023-01-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  went to collections for the amount of the reported balance of {$1900.00} from XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6 0 2 states I have the right to privacy. 5 USC 1681, Section 6 0 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Streamline Financial Group, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i already have a reverse mortgage and within the last 5 years married a wonderful woman and wanted to refinance the original mortgage to get my wife on rhe mortgage.what started out as a simple act became very difficult.after i paid {$120.00} to have a counselling session done i was told that i was in trouble with the refi because of some recent credit card problems of mine.they demanded medical records from me for a vehicle accident i had in 2016 that has caused my credit card problems now.i refused to give them any medical records and believe that to be a illegal request, they asked other questions about some timeshares i have when they they have no bearing on this mortgage.for the original reverse mortgage i have dutifully paid the taxes every year as well as up keep as well as house insurance without missing a beat.as i read reverse mortgage that is all that is needed.i will not jump thru any hoops that the laws says i do not have to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX CA 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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
The collection account ( XXXX - XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be 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 2017-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well.
Equifax : XXXX : XXXX : To : XXXX, Equifax, & XXXX.
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, BBB, and filing a law suit against Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX reported a collection account on my credit. I contacted them and paid the balance in full on XXXX XXXX, XXXX. XXXX I noticed that the account remained open on my TransUnion report, so I filed a dispute indicating that I have paid my obligation and the results came back as Verified as accurate. I filed another dispute because I disagree with the results and that dispute came back with the same results. I contacted XXXX XXXX XXXX and was advised they had reported to all 3 bureaus that I paid in full and it should be removed or show closed. Then I contacted TransUnion and filed 3rd dispute. I was asked to submit a copy of my credit card statement that shows the date and the payment amount to XXXX XXXX XXXX. I just received a letter from TransUnion stating they will not be updating my account and that the information is accurate. I 'm now beyond frustrated because the other 2 bureaus have updated the information, but TransUnion refuses to update the information correctly, which is resulting in my credit score continuing to drop because of an account that had been paid off since XXXX. Its not fair because I paid my obligation and my score keeps falling because someone at TransUnion is not following proper guidelines.

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 2021-03-26
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a transaction with square for about XXXX with a company that I have been doing business with for many years and have don't multiple transactions. Everything was going fine the money was approved it should have gone in my account on the XXXX next day according to all the other transactions. I look at my account and it shows pending says it will be sent on the XXXX so I wait. Next day nothing I go to their dashboard online and that's where it says its suspended. I talk to the customer to see if they had the money removed from their account and they said they did. I looked at seeing I should refund it but read that if I did it would be taken out of my account and not the money that being held by them. That makes no sense because if they think it's fraud then just cancel the order. I have sent messages to square and no answer. I can't contact them directly cause supposedly my account in not active but they would let me do another transaction so they could hold that too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
XXXX XXXX  raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. XXXX XXXX did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, XXXX XXXX turned us into the XXXX credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for XXXX XXXX to stop incorrectly reporting. I have reached out to the XXXX bureaus and they said they only report what they are given from XXXX XXXX  My wife and I have spoken to XXXX XXXX XXXX times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at XXXX XXXX that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to 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 2021-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, by XXXX XXXX, M, Court Order " Civil Action No : XXXX, I was appointed Trustee of my Trust ( Trust ID XXXX ). ( The original Trustee is deceased. ) Bank of America has refused to acknowledge the appointment. They do not know the difference between a " TESTAMENTARY TRUST '' and a " TRUST ''. They believe that the DECEASED person directed that a TRUST be established FOR HIMSELF AFTER HE DIED!! ) Therefore, they have contended that I am NOT the Trustee of the account in my name " XXXX XXXX XXXX XXXX '', Account number XXXX XXXX XXXX. I have had three conversations with my attorney who had the documents produced. He has more than thirty years ' experience in the field of Trusts, and confirms that the document is appropriate for my appointment. Bank of America REFUSES to give me access to the account. This has continued through contact with multiple employees XXXX email, phone and XXXX XXXX since XX/XX/2020. They are, essentially, STEALING my money. 
Enclosed are copies of ( 1 ) The " XXXX XXXX XXXX. XXXX ( 2 pages ) ; ( 2 ) Page one of the " Last Will and Testament of XXXX XXXX XXXX XXXX page one ) ( Court document XXXX ), wherein Section II directs the establishment of the 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