BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the account as I was advertised to receive {$700.00} bonus if I deposit {$50000.00} within 21 days of account opening and keep the balance of {$50000.00} for 60 days. I opened the account on XX/XX/2021 and met all requirements. No bonus was posted for 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 explanation
Consumer complaint received 2023-02-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I want to file a complaint against Citi Bank for a fraudulent check that was cashed with out my authorization on XX/XX/2023 I pay the rent every month to my landlord for the same amount each month, but this time was for {$1500.00} The check was mailed out to my landlord XXXX XXXX and somehow this check was stolen and altered with a different amount {$3400.00} and payees name XXXX XXXX I have filed a police report. 
I have filed a dispute with the bank, on XX/XX/2023 Case # XXXX, I filled out the affidavit XX/XX/2023 but they have not been able to resolve this issue.

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 2022-02-25
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: Their investigation did not fix an error on your report

Complaint:
i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX experian has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.

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 2020-04-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Beginning in mid-XXXX, I have submitted several disputes to Equifax to correct errors on my consumer report and have not received my results or been able to check the status of my disputes over the phone or online. I am able to log into " myequifax '' but unable to check the status of my dispute in the dispute center. I was instructed to send in my drivers license, social security card, utility bills and bank statement. I have followed up numerous times over the past 2 months but am always told to call back another day or the line is abruptly disconnected. My last contact with Equifax was on XX/XX/XXXX and they confirmed my documents were received on XX/XX/XXXX. The representative would not release the results of my dispute and told me to call back on a later day. I have lost my patience and would like to see the results of my dispute and for the changes to reflect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I paid XXXX towards my car note. I mailed the check to po box I was told to pay on principal only, which I did. Three days later I mailed XXXX to the same po box . They are telling me my pay off amount is XXXX which is incorrect be they applied all of that money to the principal and interest!! I have called 4 times now, asked to speak with a manager, asked for an email that they did move the money over to principal ( was told 4 separate times that has been done ) to top it off I filed a dispute with the credit bureaus because it still shows I owe XXXX!!! They are stealing my money they the false interest calculations!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-03-13
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been repeatedly been receiving phone calls from XXXX which I believe is Frontline Asset Strategies. The only reason why I know this is because I called back that number and that is what the recorded message says. Every time they call, they ask for someone named XXXX or XXXX. When I ask what company they are calling from, they will simply give their name. They will not identify who they are calling from. Regardless, they have the wrong phone number. I do not know this XXXX person they are calling about. I have told them numerous times that they have the wrong number and to stop calling. Yet, they still call, sometimes multiple times per day. I have now blocked the number. However, I felt it was concerning that when specifically asked what company they are calling from, the caller will not identify and will only provide his or her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested an escrow analysis and after the analysis, they stated that there was an escrow overage and that they were going to send me a check for the amount I overpaid. I have since then waited for almost 2 months and they have yet to issue my check. I have followed up with them on this multiple times through the customer service department. Every time I ask about this they just tell me that a check should be sent, but they can never tell me when it will actually be sent. I have waited for months and every time I ask them they tell me theres nothing they can do about it and I just have to wait. That is money that could be earning interest in a separate account, and yet they are holding it hostage and refusing to pay it out.

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 2023-09-13
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( XXXX ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertionor, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Upgrade, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called upgrade and informed them that I wanted to pay off my loan in full which was {$200.00} I paid that and the lady stated that my account would update to {$0.00} in a few days. In a few days, I checked the account and it stated that I owed {$5.00} I called upgrade and informed the lady that I had already paid the full balance but to go ahead and pay off anything that I owe and to CLOSE the account. The lady stated that I needed to pay the {$5.00} and then she would request to have the account closed. Later that same day I checked the account and now it states that I owe XXXX XXXX, once again I call upgrade. I get a lady who states that she is sorry but the previous agents are not doing things right and stated that she has to submit some forms ( this was after she spoke with different managers. I requested to speak with managers but keep being told that there are not any managers available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2020-06-04
Company: EQUIFAX, 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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  XXXX XXXX removed account number : XXXX from my credit profile as of XX/XX/2023 and Transunion is still reporting this account as a collection and is hurting my credit profile.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX {$2100.00} 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This unknown Retail Credit Card company named XXXX XXXX XXXX  with a balance of {$1500.00} has been reported on my Credit report with Equifax and XXXX. Opened XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I went to a car dealer called XXXX XXXX at XXXX XXXX XXXX, XXXX, PA XXXX to buy a car, I looked at a XXXX XXXX XXXX truck I asked about the price they told me it cost XXXX usd I told them that If I took it with me later they convinced me to take it on credit to build credit in the USA I told them I didn't want to buy it with cash they forced me to buy it on credit they asked me for a down payment of XXXX and all my legal status information on accounts bank and they made all the movements without confirming anything until they told me sign here and the truck is yours after signing they gave me a paper to pick up the plates in XXXX after XXXX days they sent me the contract with a financial company called CREDIT ACCEPTANCE When I read it, I realized that I had to pay XXXX a month, which I assumed that I could afford it. The week I took the truck for the PA mechanical inspection it did not pass, I had to pay for repairs out of my wallet because they did not accept the repair policy that the dealer made me buy. After a year of payments and calls for repairs, they have not been able to give me an answer and my bank account is XXXX over the transfer and I have asked to refinance with other companies and they do not accept due to the excessive cost of the truck and the title is damaged, thanks for listen 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 monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: IL
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:
Sent a letter to Experian on the XXXX of XXXX they received it on the XX/XX/XXXX at XXXX, Experian is not responding to me in a timely manner to fix this error on my account. There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway. 

This is in reference to the XXXX 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 2020-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery is attempting to collect on a debt that is several years past the statute of limitations in Georgia. 

They mail us at home ( XXXX ) and telephone at work, during the day, to collect this outdated debt, even after being told to stop telephoning work. 

They acquired the debt XX/XX/XXXX ; the account was originally opened in XXXX. The statute in Georgia is six years. It it XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account # XXXX was opened with my SS # and my name with the company XXXX XXXX XXXX The address in this account, XXXX XXXX XXXX XXXX XXXX, TX XXXX. This address s n't my address and has never been linked with my credit, financial, or personal identity information, and it's completely different from my current address. 

The account was opened on XX/XX/XXXX and closed on XXXX XXXX, XXXX with an unpaid balance of XXXX USD. 

This account was reported to all 3 of my credit bureaus. on XX/XX/XXXX. 
I don't recognize any of these accounts or charges. I want to report this as fraudulent charges incurred by somebody who stole my personal information. 

I would like the collections agency to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2018-04-25
Company: Rocket Mortgage, LLC
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:
Last year I went looking at open houses and had no intention of buying a home. 
I have never inquired about a loan or gave my social security number but somehow it was obtained by a leader at the place I was working at and had to quit because I got an injury. That same month I got a call on a phone that only work had by a man who claimed to be a Sheriff with XXXX County Sheriff Department and told me he was told I was an XXXX XXXX. This leader name was XXXX XXXX. Suddenly I was getting calls on the phone from lenders. They claimed I filled out applications for mortgages which I never did and XXXX XXXX wife worked in a rental office where she was able to run credits inquires on anyone. I found this XXXX/quicken Inquiry from XX/XX/2017 I never applied to them I called them and they refused to remove my name. All my homes I have ever bought I paid cash for or my first home I paid off the mortgage in 15 years and lived there for 26 years. I turned off all my credit cards after my husband died. I know my ID was stolen and it's now on the black web.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
In order to REMIND the EQUIFAX Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that EQUIFAX BUREAU MUST DO THEIR JOB PROPERLY and immediately remove these fraudulent inaccurate addresses XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested on XXXX. ( see attach ). A call was made on XXXX to their Customer Relations number XXXX inquiring status, but call was never returned. 

I don't need any assistance from XXXX XXXX XXXX at this time, for the funds remain with HSBC, so the assistance I need is from HSBC.

Company response to consumer: Closed with explanation