BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Cascade CISS Holdings, LLC
State: GA
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:
XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XACTUS XXXXXXXX XACTUS XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XACTUS-AVANTUS XXXXXXXX XACTUS-CP XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2022 XXXX XXXX ran my credit without an application on Equifax. I filled out no application for credit. if they claim I did they are lying and the must provide the application not just SAY I DID. I will submit evidence from the dealership in question and other banks. if the cfpb allows them to refuse to remove the inquiry without evidence I will go to the attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In accordance with the Fair Credit Reporting Act - XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 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 a account without my written Consent

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 2017-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But Experian and XXXX will not remove it.

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 2021-02-15
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to take out a Speedy cash loan for XXXX and now it is XXXX for interest added. The company name is AD ASTRA Recovery Services INC. Account # XXXX file # XXXX-XXXX-XXXX  Tel XXXX I did not take this loan out. Please help clear this up Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Paypal has restricted my account and won't let me close it until I provide a photo ID, proof of address ( utility bill ) and a copy of bank statement. I have been a customer of theirs for over 20 years and have lived in the same house for the last 9 years. I have used my account in XXXX and in XXXX. In XXXX we made 2 normal transactions ( a donation and a purchase ) with other people. Apparently one of those in the eyes of Paypal was questionable. The donation was {$50.00} and the purchase of a custom piece of clothing was {$280.00}. I talked to a customer service rep and then escalated to a supervisor. They won't allow me to even close my account without providing the documentation. They also told me I can't escalate any further and that nobody can overturn it as it a system feature. Furthermore, if I don't provide the information they are asking for I won't have access to my money to use or close the account until 180 days.

This is absolutely ridiculous that they can hold my money hostage. I feel they are doing this because I don't use the account as much as I once did. They have had no problem taking my fees for the last 20+ years but now that I don't use it as much, they are making it tougher on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As of XX/XX/XXXX I've made several attempts to resolve the issues with this auto loan w/ Santander Consumers U.S.A. I have also made many payments totaling at least {$19000.00} towards this auto financing acquired w/ Santander Consumer U.S.A , which does not do refinancing of their predatory auto loans. This Loan started on XXXX XXXX for a USED XXXX XXXX purchased at a XXXX Dealership with me paying a {$5000.00} as down payment w/ a monthly payment of {$630.00} w/ a 26.9 % annual interest rate. On XX/XX/XXXX I had spoken with 3 representatives in their Escalation Service Dept. and every single one fails to allocate payments correctly towards the principal amount of the auto loan. I have all the details of this communication and h this was one of the many calls made to Santander Consumer U.S.A. This bank also fails to accurately report my payments to the 3 credit agency, which by reporting inaccurate information has prevented me from being able to refinance this predatory auto loan with another bank fro a lower rate. And another problem with Santander Consumer USA is that even while making payments on time with the 30 days of the month in which the payment is due Santander COnsumers U.S.A collection department keeps calling my telephone number with " ROBO CALLS '' for collection and collection calls. Now they have been sending e-mails stating that they don't have my correct telephone number, which is a lie from their behalf as the automated system always verify and recognize my telephone number when I call every month to make an ACH/debit card payment over the telephone. Please Help as this is " highway robbery '' to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam I recently received a response to a dispute ( see below ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report. It saddened me to learn that you somehow verified the disputed item, electing to leave them on my report.

Not only is your reporting incorrect but the lack of clarity in the report you sent me was disturbing at best. It seems you went out of your way to make it as unclear and as convoluted as possible. The stack of documents you sent contain a whole lot of useless information that doesn't help and was purposely made extremely hard to read.

I am absolutely certain that the items I disputed are incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Also I need an explanation as to why my credit score suddenly went down by more than XXXX points immediately after my dispute with no changes to my credit report. My credit monitoring service was unable to give me any sort of explanation, therefore I am curious to hear your reasons in your reply. 

It seems that you are failing at the mission you were entrusted with, because of the countless glitches and mistakes that we've been subjected to by your organization. For the record, I am for one paying more than {$6000.00} extra for my car loan because of the erroneous low score that was provided by Equifax when I purchased my car. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, The Items in question are as follows : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX  # * XXXX & * XXXX XXXX. XXXX XXXX XXXX # * XXXX XXXX. XXXX XXXX  XXXX XXXX  # XXXX ( account is reported twice and too old to remain on my credit report ) XXXX. XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Account # XXXX XXXX XXXX XXXX I have called the creditor ; XXXX at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time, with the exception of a 30 day late payment in XXXX of XXXX. 
2. The age of the account 3. The account is closed 4. Shows account status as " Paid '' After XX/XX/XXXX there is NA payment history, the account is closed. Please remove from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, 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 am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. CFPB, please delete the accounts UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 I attempted to wire a payment of XXXX to my mortgage servicer ( XXXX  Bank ) from my Citibank checking account to pay off my mortgage. After multiple days of the payment not being received, I went to Citibank to determine the issue. 

I was told at Citibank the wire was put on hold due to " money laundering '' and that I would have to email a set of answers to specific questions before the funds would be released. I asked to have the funds refunded to me immediately and to cancel the wire, but was told that was not possible until I emailed the answers to the questions ( e.g. purpose of wire, who is the recipient, who owns the company, etc. - XXXX is a publicly traded bank... ). 

I emailed the information the same day and was told the money would be returned to be within XXXX business days in full, including a refund of the wire fees. 

Nearly XXXX weeks later I still do not have my money, and am being told the money is still being held for investigation. 

The money in my account had been there for quite a long time and was paid to me from a business that uses Citibank. I have banked at Citibank for nearly XXXX decades and have previously wired money to XXXX Bank for my mortgage. There is XXXX reason why my transaction would be flagged as " money laundering '' I continued to call Citibank to resolve the issue and keep being told the money will be returned shortly, but I can't get ahold of anyone who works on the issue, or an exact date of when I'll receive my money. 

The fact that I can't have my own money returned to me or get anyone to tell me what is going on while they hold my {XXXX} is bewildering. This has cost me XXXX of dollars in continued interest with my mortgage servicer and dozens of hours of headache trying to resolve the issue. 

I ask the CFPB to please help and force Citibank to return my money and stop ignoring my requests.

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 2019-04-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
EQUIFAX IS REFUSING TO FOLLOW THE LAW WHEN IT COMES TO REMOVING OR BLOCKING UNVERIFIED ACCOUNTS OR ACCOUNTS THAT ARE A DIRECT LINK TO IDENTITY THEFT. THE ACTIONS OF EQUIFAX HAVE SEVERELY TAKEN TOLL ON MY LIFE DUE TO THEIR DIRECT DISREGARD OF THE LAW. XXXX HAS TAKEN STEPS AND IS REPORTING THE ACCOUNT AS FRAUDULENT. I DONT UNDERSTAND WHAT IS GOING ON WITH EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: VA
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 filling this CFPB complaint against Equifax since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to the XXXX XXXX to make sure that my concern is rectifide. The account is I am disputing is XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Now that this account is only reporting in Equifax and I don't know how they allow XXXX XXXX to continue and report this account as verified. I wanted to make sure that this account will no longer show in my next credit report. I sent direct certified mail to dispute this account to XXXX XXXX. Below are inaccuracies that continue to report in my credit report. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same account and account number so how can the balance be changed if you are claiming the account as verified as accurate. 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by XXXX XXXX in this account to end up to the balance of {$920.00}. 
3. Equifax agreed to the reporting of XXXX XXXX that this account was fully verified then how did the balance change to {$300.00} after a few months? No date of last payment reported in this account so please verify and validate why the balance that ends up as {$300.00}. 
4. This account was acclaimed by XXXX XXXX in XXXX and I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
5. Equifax continues to allow XXXX XXXX to violate my right that drastically affects my credit score. This mistake can be prevented if Equifax only takes time to investigate and review how this company reports this account. And I need this to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Facing financial hardship company is harassing me with calls and late fees according to law. I'm also sending my complaints to attorney general. From XX/XX/2022 until XX/XX/2022 I've been receiving harassing calls everyday from different numbers. According to 15 USC 1692d ( 1 ) Harrassment or Abuse. It does not matter if you owe an alleged debt that car is now my personal property! Company Ally Bank XXXX ( XXXX ) XXXX account # XXXX car vin : 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2021-09-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation