BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}

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 2019-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wells Fargo is charging clients a minimum {$1.00} on credit card purchases even if you pay the balance the next day. I have excellent credit and I use other banks and card issuers and no other institution does this. I called them and they had some completely crazy explanation. I know it does not sound like much money but over the millions of customers they have its a big problem. Month over month Wells Fargo still has not learned their lesson. I keep them because they are my oldest card and I carry no balance. Used the card once for {$13.00} and paid off the next day and they charged me a minimum charge of {$1.00} for interest. Its a real shame.

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 2020-09-20
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have overpaid on my vehicle due to the hidden fees of this company Santander USA and also  extending financing without the consumers knowledge when a loan is in default. I am still paying interest on a loan since 2015. This loan was for {$32000.00}. I have paid them close to {$45000.00} and the company is still stating that XXXX is owed. I have also have been violated as a consumer because this companies preys on individuals and place them into auto loans with a high probability of default. This company is now being faced with a XXXX XXXX lawsuit in 34 state South Carolina being one of them. I have a repossession/redeemed reporting on my credit when I reported that my Mom passed away and I financially wasnt able to afford the close to 700 payment per month they were charging with the late fee. Also reporting months of late payment when arrangements were made for the payments and they were deducting the funds. This default has stopped me with my home purchase and is hindering my credit. Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. They have yet to reach out to individuals but are still charging the high rates and auto payments they are being sued for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to reach Citi bank XXXX, XXXX on XX/XX/2021 7 times to make a report about 6 fraudulent debit transactions from my Citi checking account and my identity was verified 5 times ( by XXXX, by XXXX from fraud department and then I was either promised that fraud repreresentative/investigatior would call me back within 1-2 hours or when keep calling, Citibank fraud department dropped XXXXy phone calls after asking to stay online 2-3 min. I was staying XXXX and more minutes and they dropped my phone calls. I am a victim of identity theft, and a result a victim of 6 fraudulent debit transactions from my Citi checking account in total {$12000.00}. The Citibank is not cooperation from the very first moment to help me to establish a fraud clam and to get a claim number. I will fill out, sign and notarize Citi bank Security Affidavit and mail to Citibank Head Office in XXXX XXXX, TX and to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
Please help.

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 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2020 I have sent multiple letters, emails requesting my account be removed from home retention. 

As of XX/XX/2020 the account is still set up with home retention. I am locked out of online mortgage banking due to a prior forbearance. 

Nothing has been done for four months

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 2021-08-19
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1666 the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion file number : XXXX Date XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXXhas 2 of the same addresses in which there is no point of 2 of the same address should be showing only one

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 2019-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: UT
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:
Equifax is allowing XXXX XXXX XXXX to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. XXXX did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: GLA Collection Company, Inc.
State: KY
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 disputed a GLA collection account on my report which is inaccurate. GLA is reporting a medical bill unpaid and in collections when in fact all my bills with the medical provider are paid in full and were done so via my insurance provider according to contract. Not sure who they bought the debt from but obviously they did not verify it and have made no attempt to do so and are choosing to place this negative lie on my report. I have proof directly from my medical provider to show I have no outstanding balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I found many unauthorized transactions from my Citibank checking account. Those were XXXX transactions and the amount was {$1700.00}. I immediately contacted the Citibank agent through phone call and opened a dispute for this case. At the time, those transactions were still pending status. But Citibank said an investigation will take 3 months and I needed to wait until they make a decision. So I waited 3 months but I didn't get any update. So I contacted Citibank on XX/XX/XXXX through a phone call and they said they resolved my dispute and by their investigation result, they think those transactions were correct. But it doesn't make sense. Because some of those transactions proceeded from offline store in the XXXX, but I left the XXXX on XXXX, XXXX and never have cameback yet. I'm still staying abroad until now, XXXX XXXX, XXXX. And the debit card that made those transcations is on my hand now. They are saying the person who lives in XXXX XXXX used the debit card in offline store in Michigan. It was 100 % the debit card fraud incident. I never give this debit card to someone and never shared an information to somewhere. Citibank couldn't dectect debit card fraud incident and charges damages to their customer by lying or doning nothing. They could know at least they tried to check XXXX from those stores and contact me while they investigate. They didn't do effort for their duty of due diligence. I sent a letter with evidence that can prove I'm staying abroad since XXXX, XXXX, for appealing their decision but didn't get any response yet. 

I'm attaching the appealing letter that I sent to Citibank.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TRANSUNION file Number : XXXX XX/XX/21 has error on XXXX XXXX XXXX XXXX CA XXXX with no APT number on the same report the right address is XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX****-Balance {$0.00} XXXXBalance {$0.00} XXXX-Balance {$380.00} XXXXXXXX****-Balance {$0.00} XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Credit Recovery Consultants
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
We began using Credit Recovery Consultants in XX/XX/2018. We were shown blacked out credit reports of people with bankruptcy that improved from low 500 scores to high 700 scores. We were told that since we didn't have any bankruptcies or judgements we could probably get the credit fixed within 60 days. XXXX XXXX charged us the $ 800+ dollars to tell us to pay off our credit cards ( {$8000.00} ), get a secure credit card ( {$300.00} ) and a few other things. While the credit card pay off improved MY credit some it did not improve my husband at all as he was not on the cards. We continued through the process to the end and did everything asked of us. In XX/XX/XXXX, yes ... way beyond the 60 days quoted, I tried calling XXXX multiple times to see why our credit had taken a dive. No answer. When we finally got ahold of him two weeks later he stated it was because a line of credit had been closed ( although, he was the one who submitted the information to the credit bureau to have it closed ). He then, without my permission used my credit card he had on file to charge a credit monitoring service for {$49.00} each for me and my husband. At the end, my credit showed little improvement and my husbands had shown no change. When we would call to ask XXXX what steps to do next, he literally had no idea about the file, what had been disputed, etc. PLEASE save your money and don't waste your time and hope with this man. This is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TRANSUNION File Number XXXX XX/XX/21 Telephone Number Reported XXXX is not my phone number or in my name. Provide proof from the cell phone company with my name from the phone carrier with my name and account number showing this phone is my phone number by proof.

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 2021-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I want to report the company Experian.com they ask me to create an account which i did and closed out XXXX credit card even paid off my car loan witXXXX XXXX XXXX  XXXX, and yet the Experian-credit boost service lowered my XXXX score by XXXX making it XXXX,, I did NOT see no possitive results by creating an experian account and eliminate few of my credit cards... I am disgusted at experian services they dont work ... to me its all a crock of fake reporting... thank you XXXX XXXX you may contact me at email 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 2019-05-14
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I used a promotion from my Sears credit card ( CITI Band Mastercard ) for a balance transfer. The promotional letter was not clear that a fee would be charged. The promotion stated a 0.00 % promotional APR on transferred balances until XX/XX/2020. 

When I noticed a transfer fee of {$500.00} on my on line credit card statement on the {$10000.00} transfer. I called and said I would pay the amount transferred to avoid the fee but they refused to cancel the fee. Since the transaction was processed on XX/XX/XXXX and I called on XX/XX/XXXX and felt there would be no cost to them. 

Thanks you, 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 2020-02-05
Company: Experian Information Solutions Inc.
State: AL
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:
A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified Experian and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by Experian stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.

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 2020-11-05
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Father in law is attempting to get a Deed in Lieu of Forclosure form from PHH. They refer him to their website. He is an elderly XXXX veteran, and has not been able to successful navigate the electronic system to get the form. I contacted PHH customer service to see if there was any other method thye could get the form to him. They replied they needed the loan number and full address, which I then provided, along with mentioning that I am not asking them to send anything to me, but to him, who is on record with them as requesting the documentation. 
Their response was to inform me that I am not authorized to receive any information on this account. 
I have replied to them that I am not asking to receive any information, but that this customer, being elderly and XXXX can not navigate the only system they are offering, and can not properly communicate this need for other accommodations to them. 
They only need to mail the form to the person and address they already have on record as needing this form and are refusing to do so.

Company response to consumer: Closed with explanation