BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2021-09-11
Company: Experian Information Solutions Inc.
State: HI
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:
I filed for bankruptcy in XX/XX/XXXX and was finally discharged by the court in XX/XX/XXXX. 

All of the accounts that were affected by this bankruptcy reflects the dates that I have previously provided, except for the Hawaii USA account that is reported to Experian. On the Experian report, it shows that I had filed for bankruptcy on XX/XX/XXXX instead of XX/XX/XXXX and also shows a charge-off on the account on XXXX of XXXX. Both of which is totally incorrect and should never have been marked past the date my bankruptcy was initially filed for. 

I reached out to Experian on XX/XX/XXXX and the person I spoke to said that they were not able to help me because the information reported to them by Hawaii USA was confirmed and that any incorrect information should be handled through them. 

On XX/XX/XXXX, I reached out to XXXX from HawaiiUSA 's dispute department. She got back to me on XX/XX/XXXX after a thorough investigation and said that they report throught the E Osker system and when they input the information, it does not give them an option to select the dates and that is supposed to be handled through Experian. There was XXXX could do because they are limited through the E Osker system. She and I confirmed that all other credit bureaus are reporting correct information except for Experian.

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 2022-08-30
Company: EQUIFAX, INC.
State: NY
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  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 2019-11-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I purchased my vehicle my credit score was not the best. Chrysler Capital charged me a very high interest rate to get my vehicle loan. The interest rate was between 16-17 %. 

Unfortunately the monthly payments for this loan has become very hard for me to make. I have called and spoken to Chrysler Capital several times to request my interest be lowered and explained the circumstances. The only thing Chrysler Capital has offered to is put the back payment to the end of the loan. This loan seems to never get lower and it is still very hard for me to make these payments. All I want is to have the interest lowered so that my monthly payments can be lower and that the loan can be paid off sooner. At the rate of 16-17 % this vehicle will never be paid off and the car is way underwater. 

Chrysler Capital will not assist me with this. They have right out said no we will not refinance nor will they lower the interest rate on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: EQUIFAX, INC.
State: IN
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:
Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my THIRD WRITTEN DISPUTE to TransUnion to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : XXXX Days Past Due on XXXX XXXXXXXX XXXX  Days Past Due on XX/XX/2021 and XXXX Days Past Due on XX/XX/2021. 

I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. 

Due to the COVID-19 pandemic, on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX made an accommodation to my original loan contract with respect to lower XXXX payments XXXX XXXX through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through XXXX. 

In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.

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 2021-04-08
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my Flood insurance Policy in Full before changes to Monthly payment go in effect starting XX/XX/XXXX. Sent the Info to Wells Fargo, My insurance Agent even talked to them. They are saying the even thought I paid my policy for XX/XX/XXXX - XX/XX/XXXX in full {$970.00}, Wells Fargo will still escrow my policy payment the same already paid of {$970.00} and increase my monthly payment to cover cost thus adding additional {$130.00} to my payment to bring me back closer to pre refinance amount. I have spoken to the Insurance dept, Escrow dept, Customer service dept and many more at Wells Fargo and each provided a different story. I have asked for clarification and was told that I should give up paying my policy every year in full and let them just do escrow. This is clearly a con by Wells Fargo to make me pay double the amount for insurance.

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 2017-06-15
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is concernin g a 4 year old  medical bill from  XXXX   XXXX    XXXX    XXXX . The bill is for the amount of {$270.00} and it 's been destroying my credit ever since. I only saw the doctor twice, he gave me a the wrong medication, which really did a number on me, and then later on. I find out that this doctor was in fraudulent activities, which includes {$200000.00} in bribe payments in a dubious scheme involving a   XXXX   XXXX   XXXX   XXXX  . I 've tried to talk to them, but the nurses that work there are nasty and just hang up the phone on me. Moreover, then they would call me, they would threaten me and tell me if, I did n't pay the doctor, that there would be some serious consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MO
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2019 I visited XXXX in XXXX, Texas to establish an account. I was denied, per personal banker due to a hardstop from XXXX. I was informed that a fraud alert was placed on my record. I was a victim of identity theft and had notified the Federal Trade Commission  and all credit reporting agencies. On the same day, I contacted XXXX and was informed that due to technical issues the company was closed. I tried several days and could not reach XXXX. Finally, I was able to speak to a agent at XXXX. I explained to the agent that I was a victim of identity fraud and wanted to lift the security freeze to establish an account at a credit union. I stated that I have all documentation for filing a police report, the complaint form from the Federal Trade Commision. I, also, mentioned that I had left my name, address and phone number on XXXX voicemail to receive the form to lift the security freeze. Per message, I would receive the form in 5-10 business days. As of today, XX/XX/XXXX, I have not receive the form from 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 2018-10-04
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi was running an account opening promotion for new customers from XX/XX/2018 - XX/XX/2018. Eligible new customers ( which I am one )  were to receive a {$400.00} account opening bonus by XX/XX/2018 if they met the following requirements : 1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 

2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 

4. Get {$400.00} deposited to your account! 

I opened two Citi accounts on XX/XX/2018 : a Regular Checking and Citi Savings accounts. The Citi Savings account was funded with {$200.00} on XX/XX/2018 and the Regular Checking account was funded with {$15000.00} on XX/XX/2018. I maintained the {$15000.00} balance in the Regular Checking longer than the required 60 days. The balance in the Citi Savings account remains unchanged at {$200.00}. 

According to the terms and conditions of the bonus offer, I should have received the bonus by XX/XX/2018 : If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all offer requirements. 

Make a deposit of {$15000.00} or more in New-to-Citibank funds as explained below into the new Eligible Checking Account and new Eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit. PLEASE NOTE : To meet the {$15000.00} requirement, a minimum of {$1500.00} must be deposited into the new Eligible Checking Account and a minimum of {$100.00} must be deposited into the Eligible Citi Savings Account. The remaining balance requirement may be deposited into either the Eligible Checking Account or Eligible Citi Savings Account.

I have contacted Citi three separate times since XX/XX/2018 and still have not received my bonus, which Citi has  confirmed I am eligible to receive. They have given me a reference number for my case, which remains unresolved. Ref # 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 2023-10-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. XX/XX/23 I attempted to book a {$320.00} stay at XXXX XXXX XXXX XXXX, UT for XXXX XXXX XXXX on Citi XXXX , using a Citi Custom Cash Card ending in XXXX. 
2. The page did not load. I immediately received an email from Citibank saying the charge wasnt processed due to " incorrect card information '' which made me believe that the transaction was declined. 
3. I closed the Citi XXXX page and made a different booking using a Citi Premium Card ending in XXXX at the same hotel for the same dates. This booking was successful ( {$290.00}, Booking ID XXXX ). 
4. On Citi XXXX portal, I discovered that the {$320.00} transaction that Citibank said they had issues processing went through and resulted in Booking ID XXXX. 
5. XXXX I reached out to Citi XXXX to request cancellation/refund of Booking ID XXXX. Citi XXXX said the hotel needed to submit the request on the booking extranet or email the approval of the refund to Citi XXXX. 
6. The hotel staff doesnt use the booking extranet so they sent emails approving the cancellation and refund to two emails Citi XXXX provided, XXXX and XXXX, on XX/XX/23 and XX/XX/23. The hotel canceled the booking for me in their system but couldnt refund me as the money was with Citi XXXX. 
7. XXXX I followed up with Citi XXXX until one agent called me on XX/XX/23 and acknowledged the receipt of the refund approval email from the hotel. Later another agent denied the claim and said Citi XXXX never received any approval, nor did the hotel respond to their emails/calls. 
8. The hotel denied receiving any emails/calls from Citi. 
9. Citi XXXX refused to validate the contact info of the hotel after I pointed out that the incorrect contact info might be on file. Citi XXXX insisted that they could only issue the refund after receiving approval from the hotel, to which the hotel has complied twice by sending emails. 
10. As of XX/XX/23, I still havent received the refund. 

See the attachment uploaded for the full timeline and all supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief