BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Messerli & Kramer P.A.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Just saw on XXXX that Messerli and Kramer which is XXXX fundings lawyer who is suing me on credit report multiple inquiries by messerli and Kramer, along with XXXX funding and now XXXX  which i guess is XXXX funding related??? Another report think XXXX has XXXX Funding just did charge off, yet they filed lawsuit in XXXX XXXX Wisconsin for supposed debt they " claim '' to own, yet XXXX did charge off of their collection on my credit report ... ..i got other weird things showing up ... pretty sure I've had identity theft now ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Bread Financial Holdings, 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:
Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

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 2020-12-08
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank $ XXXX $ XXXX {$700.00} Checking Account Bonus XXXX {$700.00} bonus details : Open new eligible checking and savings accounts in the Citi Priority Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 
You will receive your cash bonus within 90 days after you complete the required activities. 
A monthly service fee of {$30.00} applies to the checking account in the Citi Priority Account Package if a combined average monthly balance of {$50000.00} or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package.

I opened both the checking and savings accounts on XX/XX/XXXX, completed the {$50000.00} deposit requirement on XX/XX/XXXX, maintained the {$50000.00} balance until XX/XX/XXXX. 
I contacted Citibank customer service department a number of times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to name a few XXXX and every single time I was advised to wait until XX/XX/XXXX to receive the {$700.00} bonus. 

Please review and escalate as needed to reach a resolution.

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 2020-05-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to an ATM to withdraw money but the ATM told me that the account was blocked. I went into the bank on XX/XX/XXXX I went into the bank and the bank telller told me that there had been a withdrawal of XXXX USD on XXXX XXXX and paid some bills on XX/XX/XXXX. I said that my last transaction was on the XXXX of XXXX and that said that I did not recognized these transactions on the XXXX. 

They said that EDD had frozen my account because of security reasons. I have gone into the bank account many times. They said that my card was blocked now and that they would send me a new ATM card, they did. I called to activate my new card. However, now with the new card which is already activated I went to the ATM and tried to access to my account however it says that is still blocked. I have called repeatedly to the bank and they say that it is blocked because the Employment Development Department of California blocked the account because of the fraud. I have made numerous attempts with both the EDD and Bank of America to get my account unblocked but with no success. They each tell me that the other one has to do something. 
The claim number XXXX. 

I am a senior who does not speak english. I have XXXX and my children have XXXX. I need help to access my money. Please help 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 non-monetary relief
Consumer complaint received 2020-10-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL 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 2018-07-14
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:
In XX/XX/XXXX, I was notified by my credit monitoring service that a credit application, in my name, had been received and was being processed by XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. Requested On : XX/XX/XXXX.  Inquiry Type : Individual. This was my first indication I was a victim of identity theft. 
This thief or thieves listed my previous XXXX residence as their home address, and a mailing address in XXXX, XXXX. Although I was able to circumvent this unlawful credit issuance with XXXX XXXX, and they notified the three credit bureaus, EQUIFAX seems to have incorporated the false background information into my real background information. In XX/XX/XXXX, I got a copy of my EQUIFAX credit report which showed my current home address as my former XXXX residence and my current mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, the same information provided by the identity thief to successfully open a credit account with XXXX XXXX. I submitted a dispute of information with EQUIFAX, but when I attempted to examine the email result of their investigation, I was denied access to the report as I had provided information that does not match our records in the security verification. I have subsequently contacted EQUIFAX representatives on two separate occasions to resolve this issue, but on both occasions ( Confirmation Numbers XXXX and XXXX ) I was asured there was no derogatory information in my credit file, they advised the security questions were gleaned from my credit file. I insisted this information was corrupted by the identity thieves, but EQUIFAX continues to rely on this false information, as I still get the same access denial when I try to access their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This item : XXXX ( student loan debt ) is inaccurate because Ive sent them a letter from the address provided on my credit report and it came back returned to sender. I am requesting that the item be removed according to the FCRA. Enclosed are copies of the documentation supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : Despite numerous attempts since XX/XX/XXXX - ONGOING, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! Enclosed is an image of holding over 48 minutes without a response! 



You have now charged the below transactions back to my account. I am unable to contact the merchant as they are closed. If these charges are not removed, I will be forced to file a claim in Small Claims Court to collect interest, cost, and fees. YOU HAVE 30 DAYS TO RESPOND. 



Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by 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 2020-09-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Was not notified of investigation status or results

Complaint:
Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I traded cryptocurrency on a legal, secure platform and used PayPal as a method of receiving payment of {$160.00} USD. I instructed the buyer to make screenshots from her own account as a form of receipt and made sure she was paying from her own account. 

However, I received a message from PayPal on XX/XX/XXXX, saying buyer has opened a case against me and claimed the transaction was unauthorized and asked the payment to be reversed. I uploaded evidence on PayPal 's portal, including 1 ) XXXX as legal cryptocurrency trading platform ; 2 ) evidence that I have already delivered the currency to buyer 's account ; 3 ) screenshot from buyer, clearly showing that buyer was able to use own account to make payment and screenshots. It is definitely an authorized payment from buyer 's end. 

After uploading these convincing evidence, PayPal did not contact me once before closing the case in buyer 's favor, and immediately deducting the payment with {$20.00} chargeback fee. I believe it is PayPal 's responsibility as a third party digital wallet vendor to make sure it prevents fraudulent access to accounts, not only mentioning that these evidence strongly prove the buyer 's account was in her own possession when she made these payments. 

PayPal does not have the right to be as an arbitrary 'judge ', forcefully deducting money from innocent people 's digital wallets to compensate for its failure to secure user 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-31
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:
Back in XX/XX/2014 I took out a payday loan with Speedy Cash. I made several payments on the loan but was unable to complete the payments. To this day it is still on my credit report, but that is not the issue. The issues is that every year they transfer the debt to a new collection company, and what that does is makes it seem as if the debt is a new debt being reported. Let 's say that they transfer the debt from company A to company B as of today. They are reporting to company B that this is a new debt which means that this debt would be present on my credit report for the next 7 years. Let 's then say that next year they transfer the debt from company B to company C. They are then telling company C that this is a new debt starting the whole process over again. They need to report the debt from the day that default occurred and not from the day they transfer the debt. This is fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage, who handles our loan failed to make our property taxes on time. The property taxes for our home are due by XX/XX/XXXX. Contact was made to our mortgage company several times as we were concerned our taxes were not paid due to late notices and payment delinquent notices received. As of XX/XX/XXXX after contacting our local tax property tax department, no money has been received and as of this date our taxes are still delinquent. We have until XX/XX/XXXX to pay these taxes and if not paid our home will at a point be sold or advertised to be sold ( this information was told to me by the local authorities for unpaid taxes ). This is a very stressful time as we were under the impression this company was taking care of our property taxes. After contacting Freedom Mortgage about our concern, we were told that the payment was made on XX/XX/XXXX, nearly 2 months late. As of now, no payment has been received and we will be left to pay the balance to avoid any tax lien. 

We do have an escrow account and have it set up for our home owners insurance and property taxes to be paid by the mortgage company. I recently checked my statement and account and it does state that taxes were taken from our escrow account on XX/XX/XXXX. Why were they not taken out of escrow and paid in XXXX of XXXX, when they are due? How long are we supposed to wait for this check to be received? What if it does not get there, or is lost? We are on a time line of days as of now and unfortunately we are left to pay the balance or possible lose our home. Another concern we have is our home owners insurance. Will this be paid on time? Do we have to worry about our taxes not being paid at the end of this year and further years?

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation