BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2021-04-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have the Citi Double Cash card and used their " citi flex pay '' plan to purchase my new roof. I needed to create two plans both in the amount of {$5400.00} at an interest rate of 5.99 % each with a payment plan of 24 monthly payments in the amount of {$240.00} totaling $ 484/month. I typically only use this card for larger purchases and pay them off right away. I purchased a couch in the amount of approximately {$1500.00} and immediately made a payment for that amount. Unfortunately, the couch purchase had not " posted '' to my account and thus the {$1500.00} payment was taken off of my flex pay plans resulting in them being paid off much more quickly. I requested that Citi reinstate that amount on the plan and apply the payment to the {$1500.00} purchase that had since posted to my account as opposed to having to pay a higher interest rate XXXX 15.99 % ) on that couch purchase. Citi is refusing to do this and has been confusing, misleading, and unclear in their explanation. Essentially, I am being penalized and now face nearly $ XXXXmonth extra in interest because I paid off a purchase too quickly. Their process for flex pay is not clear and they are refusing to be flexible. As such, I am being penalized and they are quite literally stealing money from me because I paid off a larger chunk of my bill. I find this absolutely ridiculous and would like to find a remedy. Again, I have contacted Citi and they refuse to meet my needs or negotiate with 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 2021-04-07
Company: Credit Plus 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:
XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit frca violaitons

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Senex Services Corp.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company  is Senex Services Corp.and th e debt is in the amount of  XXXX . I was never contacted about this debt by mail or any other source, but it appeared on my credit report. I requested validation from this collection agency and I was sent a detailed description of services rendered with an incorrect address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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 credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide XXXX a copy of the original contract that shows my signature XXXX copy of payment history XXXX name and address of original creditor XXXX proof of collection authorization If they cant provide ALL XXXX of the above they are illegally furnishing false information on my credit report they need to remove it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have recently reviewed a copy of my credit report. I am concerned because there was an inquirys by companys that I do NOT recall authorizing. 
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. I have told transunion in they did not help me at all CC : Federal Trade Commission, Office of the Attorney General, Consumer Alliance for Fair Credit Reporting, Department of Banking and Finance, Office of Thrift Supervision, Better Business

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 2019-02-25
Company: AES/PHEAA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I will try to be exact, but brief. 

I have dealt with XXXX XXXX for a long time. I have been in school or unemployed a long time. This year ( XX/XX/XXXX ) I was worse off than ever before. I had my electricity shut off, and was getting less income than in the past. In the past ( pre-XX/XX/XXXX ), I had a $ XXXX/month payment due to my situation. Yet this year ( XX/XX/XXXX ) I was expected to make ~20usd payment every month. Not awful, but didn't seem to reflect my financial situation in any way. I was worse off this year than in the past, and in the past made {$0.00} payments, so why did this year change? 

They kept asking me for IDR paperwork. I would submit it. They would wait roughly a month, then kick it back to me saying it wasn't correct, and to re-submit. I would re-submit the same thing because it WAS correct. This happened several times. 
I moved in XX/XX/XXXX, and changed my address. Yet they persist to this day, sending letter to my old address. Which adds more time. They send it overseas, it takes 2 weeks to get here, then it's routed to my old address, then re-routed to me. I have tried asking about the account mailing address, but they do no answer about this either. It's correct on the online profile, so I don't know why they keep sending it to my old address. 

Eventually they accepted my IDR. But not after several MONTHS had gone by. With me trying to get them to explain this. Why is this being rejected? It's correct paperwork. Of course I was tacked on to thousands of dollars in fees and late payment stuff etc. 

After finally having the IDR recalculated, and the demand for XXXXusd/month, I asked them why I had to pay anything if I had not had to in the past based on my income. If my income was worse, to the point I had my power shut off here. No reply. 
I repeatedly tried to get someone to look at it, or explain it, or explain why it was rejected originally, or to have these fees removed or addressed by them. No answer. 

After waiting for months, and asking repeatedly for help, and recieving none, I finally made a payment out of fear of defaulting, based on the increasingly aggressive auto-generated account letters they were sending. 

A month later, even though I had made a payment, they claim I have defaulted on my loan. 

I don't understand why, so of course I wrote them. No response in a month now. 
I would not have defaulted if I had gotten even a semblance of any kind of support or help in the last 9 months of trying to get anything on the account serviced. 

From my perspective, they have made the entire process a closed box. I can not get help. Period. It's like screaming into the wind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the recent XXXX data breach, I tried to place a security freeze on my report at Experian. I was able to do so at XXXX and XXXX with sub-5-minute ease, but both the online and phone avenues at Experian proved to be dead ends, demanding documentation be mailed to the much in excess of the other two credit reporting companies. I could find no number to contact a human at Experian, and find the suggestion of contacting them by mail disingenuous, considering time may be of utmost importance in a fraud situation. A quick XXXX search reveals there are many encountering this problem. Experian needs to quickly simplify the process of online and phone credit freezes along the lines of the other two organizations.

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 2023-01-03
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX - Submitted dispute with XXXX and requested XXXX XXXX be placed on my credit report after noticing negative credit rating and never having received a bill/statement. 

XX/XX/XXXX - received collection agency statement from XXXX XXXX XXXX XXXX collection agency on behalf of XXXX XXXX in the amounts of {$480.00}, {$290.00}, and {$220.00}. Services were rendered in XXXX and XXXX, TX. I reside in XXXX XXXX, TX. 

XX/XX/XXXX - called XXXX XXXX and filed a dispute. They advised the Social Security XXXX associated with the debt was my SSN. XXXX XXXX requested I file a complaint with local police department and Federal Trade Commission to assist further with fraudulent account. I requested address where services were provided but was informed information can not be disclosed. 

XXXX informed me that the energy services were provided to me in XXXX and XXXX, TX. I have lived in XXXX XXXX, TX for the past 18 years. XXXX did notify me that they do not provide services to the XXXX XXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The comenity bank/forever 21 illegally and incorrectly reported that my credit limit was {$35.00} in which it was {$350.00} and made my credit score go down drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are five misspelled name variations on my credit report associated with Report Number XXXX with the following Name ID Numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX. Having misspelled versions of my name associated with my social security number creates risk of someone misusing my personal information. I called Experian 's customer service number several times but the recording does not offer any meaningful 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 2023-05-06
Company: EQUIFAX, INC.
State: MI
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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted disputes to XXXX, XXXX and Transunion about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: Klarna AB
State: CA
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:
Applied for personal loans through XXXX XXXX and/or other credit XXXX apps for free rates/quotes without a hard inquiry. Not approved for hard inquiry and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. 

A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. 

Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my loan was transferred from XXXX XXXX  XXXX who has been servicing my loan under contractual agreement with XXXX XXXX XXXX  to loancare LLC on behalf of XXXX XXXX XXXX XXXX effective XX/XX/2019. My original mortgage documentation reflects that I will not be charged any pre-payment penalty. The notice of servicing transfer that I got from XXXX XXXX also says that the transfer of the servicing of my mortgage loan will not change anything else about my loan. 

This new loan servicing company is now trying to charge me a pre-payment penalty. I never signed any documentation reflecting that I had a pre-payment penalty. I have made numerous telephonic attempts to resolve this issue with Loancare. Each person I speak with insists that this is a legitimate fee. I have been on hold for hours each time I call. I do not appreciate them adding erroneous charges to my mortgage. This is in the least unacceptable and at most illegal. 

Please address this issue as soon as possible as I am sure I am not the only customer that is being abused in this way. 

Thank you in advance for your assistance in these matters of mutual concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX BANK OF AMERICA HAD A CLOSE ACCOUNT AND IT WAS A MISUNDERSTANDING THAT BANK OF AMERICA REPS TWISTED THE ISSUE AROUND TO BLAME THE COMPANY AND HAD ME FILE A CLAIM TO SHOWXXXX WAS THE COMPANY DOING. I HAD A RENTAL CAR AND I WAS SEEING DOUBLE OUT MY ACCOUNT BOA SAID LETS FILE A CLAIM SI I AGREED TO FOR XXXX DOLLARS I LATER IN XXXX TALK TO ACCOUNTING FOR THAT COMPANY CAUSE IN XXXX BOA TOOK MONEY OUT OF ACCOUNT FOR XXXX AND NO NOTICE OR MAILS SO I ASK WHY AND THEY SAID IM NOT GETTING MY MONEY BACK THAT FRUAD IF I HAD DID THAT WE BE IN COURT. XXXX SAID THAT THEY WAS COVERING UP FOR A MISTAKE THAT BOA MADE AND LATER CAME IN A ACCOUNT AND TOOK MY FUNDS. SO BOA SAID THEY CAN DO IT WITHOUT ANY REASON AT ALL. XXXX XXXX I PAID IT TO THEM BUT BOA STILL STOLE MONEY WHICH IS NOT RITE

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