BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I got my wallet stolen and my social security number was in there. My identity was stolen and did not make these inquiries .I need these inquires removed off my credit as soon as possible. 

The accounts names and dates of the unauthorized inquires are listed below. 

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 explanation
Consumer complaint received 2019-11-15
Company: Resolve Partners, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This apartment complex has on my credit report that I owe over 4,000 dollars. 
When i vacated this premises I was only 2 to 3 months behind with a rent of XXXX. 
The collection agency called me and literally interrogated me with questions and advised the the landlord mentioned he had t get a new stove and a new refrigerator and they totally exaggerated on the condition of the apartment, which I feel is very unfair and unethical. I they wanted to put new appliances in the apartment, then that would have been their expenses because there was absolutely nothing wrong with either one, I barely cooked. I have disputed this once, and lost, and I can not move forward with paying anything off, or improving my credit with unlawful and untruthful amounts placed on my credit.

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 2021-02-02
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:
I pulled a copy of my annual credit report and saw that there are 10 aliases that are not me on my report. There are also 9 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an entire apartment complex. I believe this is a personal attack by my husband who I am separated from and his friend who has security clearance, XXXX XXXX. They are also accessing my XXXX email, my XXXX email and social media. They are intercepting my phone interactions making it impossible for me to receive codes to get in my social media and XXXX government accounts through 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 2021-02-02
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very alarming and needs to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: VA
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 had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Chime Financial Inc
State: TX
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:
I used chime for less then a year and Ive been trying to get my money back and after 4 months of being sent in circles they finally told me last night after sitting on the phone for almost 3 hours that I cant get a refund.so I got in touch with somebody this morning and now all of a sudden its notes on my account and information that wasnt there 4 months ago. So now the lady is telling me that some suspicious activity has been going on with my account and thats why they closed it. But if thats the case they would of told me sooner and not just froze me up like that. I lost XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.

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 2021-02-02
Company: EQUIFAX, 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 received a call this morning, XXXXXXXX XXXX on XX/XX/XXXX, from a XXXX with XXXX  XXXX XXXX XXXX XXXX She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through XXXX I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, the bank withdrew from my account {$1700.00} The bank never advised me that I was going to withdraw that money from my account The bank did it without asking CITIBANK did not have my authorization. 
I was informed that the withdrawal was to pay a debt from my father. 
I am not obligated to pay a debt that is not mine. 
I am outside the country and without work. 
What they did was a violation of my account They have to collect that debt from my father and not from 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 2020-07-18
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I wish to file a formal complaint against SE Toyota Finance.

I sent them a letter several months ago explaining that we would have to miss one payment due to being off work for over 4 months. We also explained that XXXX XXXX XXXX put a hold on payments and ALL late fee charges. 

Despite this, we are still being harassed by SE Toyota for both late fee and a missed payment. We have resume payments but requested that the one missed month be added to the end of the contract due to extreme circumstances. 

SE Toyota Finance acknowledged receiving this and have not only done nothing but continue to bill us for both months AND added a late fee. It is my understanding that his is illegal. Certainly unethical, given the circumstances. 

Kindly address this matter. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX SouthEast Toyota Finance XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to XXXX XXXX ( XX/XX/2017 at XXXX ) with the intent of doing the 90-Day ( Promotion pay in full with NO CREDIT ) I made it clear I did not want a credit card with the associate XXXX XXXX. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/2017 at XXXX She asked for my name, information, address ETC. I did not sign anything and a few minutes later she hands me a paper saying I have been approved for XXXX. I did not sign anything and they still opened a credit card in my name. I spoke to the manager and she said there is nothing they can do since the associate had already submitted my application ( Which I did not even consent to or sign and basically said its my problem to call XXXX XXXX to close the account ). 

The manager called XXXX XXXX and provided the " Key Number '' as soon as this happened to say that the line of credit will " disappear '' if I don't use it for 30 days. She was denying the fact that they opened up a credit card in my name and said to " not worry '' its a " mattress '' credit card and not a regular " visa '' credit card.

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

Complaint:
on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.

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 2021-08-07
Company: EQUIFAX, INC.
State: FL
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:
Dear, CFPB The 3 major credit bureaus - ( XXXX XXXX and Equifax. 
Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day. I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. 

I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately. 


Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. 

FCR

A 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addres
ses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed.

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a fraud complaint because someone charged me over {$250.00} to my account. Called the bank spent countless hours on the phone USAA closed the ticket saying they got info from the merchant saying it wasnt fraud. Ive never done business with the merchant have no clue who they are. Its a charge from someone in the XXXX. Bank said they were advised it came from my Email. Which is impossible I didnt authorize that charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
2nd Complaint on this same topic : Since 2011 I have held a Citi Bank Diamond Preferred Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.

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: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
PenFed denied me for a credit card. I have a XXXX credit score, they said because i have applied too many times, their site was kicking back my login several times, and I thought it was not taking my application, so I continued trying to apply due to this technology hicup, i only was trying to apply one time. I dispute their decision based on me applying to many times.

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 2020-07-27
Company: EQUIFAX, 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 an account showing on my credit report foXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

New Balance {$37000.00} Minimum Payment Due {$740.00} Payment Due Date XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Called Company to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In 1933, Congress took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full.

Per 15 USC 1691, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to 12 CFR 1026.5 The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ).

There is also supposed to be a notice within the form stating as follows : 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that 18 US Code 8 States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : 18 U.S. Code 8 - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

The secretary of state proves I do not have a lien holder. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( Truth Lending Act ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CURO Intermediate Holdings
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 received a call this morning, XXXX XXXX on XX/XX/XXXX, from a XXXX with Ad Astra Recovery Services Inc. She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through Speedycash.com. I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/21 I received a letter from Synchrony Bank stating my account was closed. My account XXXX XXXXSynchrony XXXX  ending in XXXX was in good standing. My account was never late, I always paid over the minimum, and the card had a XXXX balance at the time of closing. The reasons stated for closing my account are incorrect and/or do not apply to me. These reasons also infringe on my right to control my own finances. Here are the reasons : 1. Not Enough Balance Paid down over time on Student loans. 
My student loan is " paid as agreed '', is not over the 30 year allowed term, and currently not in repayment due to a government shutdown of payments. This is not a valid reason. 

2. Delinquent or Derogatory Status on Accounts is too Recent.

I have NO delinquent or derogatory accounts on any of my 3 credit reports. I have a total of 74 accounts NONE are delinquent of have been in the last 7 years. I also have XXXX dollars in usable credit and only 18 % utilization. This is not a valid reason 3. Not Enough Balance paid down over time on retail accounts. 
I have 39 cards and mostly only use 6 personally and 2 for business. Synchrony Bank has a right to protect their interest, but not the right to dictate how I use my other finances. My report does not reflect that I have NOT paid, or missed a payment on any of my Retail accounts. This is not a valid reason. 

4. Too Many Inquires. 
The amount of inquires on my report are less than the amount that was there when they originally approved my account. This is not a valid reason. 

Synchrony actions has affected my over all debt to income, and my lower my credit limit. This have affected my overall financial rating with future lenders, and my standing in the business world. Synchrony violated my rights as a citizen who has control over his finances, as well as their user agreement. I believe I was targeted because I'm a minority and Synchrony felt I would not fight back. I spoke with the Supervisor ( XXXX employee # XXXX ) who lied and stated I needed to dispute this with XXXX. The reasons 1-3 above do not appear on my report, there is no way to dispute what is not true. The Supervisor deliberately lied in order to not address my complaint, as well as showed a great disregard to my complaint and injury. I want my account restored to it previous status before it was closed.

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