BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX, and XX/XX/XXXX Clarity Services Obtained my consumer reports without my authorization or a permissible purpose. I have not initiated any transactions with Clarity Services, nor do I have any accounts with Clarity Services for Review or Collection. On XX/XX/XXXX I sent Clarity Services a Notarized letter explaining to them of the Unauthorized Inquiry and for a {$1000.00} demand for a {$1000.00} settlement.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank requested that I update my account information, which I have been doing for the past several years. Each time I speak to them, they claim to have updated my information. For months they have been threatening to close my accounts. I have received mail and this alert also appears each time I sign into my online account. It has caused be serious stress throughout this time and has consumed hours of my time on various phone calls to address this issue, which each time, in spite of their promises to resolve it, remains a problem. I live abroad and my access to my account is crucial to my well being and security. In XX/XX/2018, I had another call with a representative who promised this would be resolved and escalated to analysts to have resolved. And when I called again in early XXXX, they promised to escalate this to their analyst yet again and that I would hear within 48 hours by email and by phone. They never reached out to me. Today ( XX/XX/2018 ) I called again because I continue to receive the same ominous messages and threats and they continue to claim it will be resolved without a clear confirmation. I am still receiving these threats, which they are not taking seriously. They have kept me on hold for hours and have ignored my requests. I am unable to terminate my account and move my funds and all direct deposits because I'm an expatriate living abroad. This is unacceptable and their negligence is a clear indication of their discrimination of their customers who are not large profile business accounts. They have violated their own terms of service with their customers and I am requesting that action is taken as soon as possible.

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 2022-10-06
Company: EQUIFAX, INC.
State: IN
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have SunTrust Mortgage company some time now. I have lived in my home since 2008. I have a very same brook in the back and side of my house since the day I bought the house I was told by XXXX and the town of XXXX that my property is in a flood zone x. I have been receiving flood insurance though XXXX XXXX paying XXXX a year for coverage. Now Sun Trust is saying that I'm in a flood zone A and are not working with me and gave me their flood insurance which upped my mortgage XXXX per month. I'm a single mom and I can't afford to pay this amount every month. I have called SunTrust many times to see why my paperwork isn't acceptable this year. The last couple of years they have received my paperwork and I was fine with my XXXX XXXX flood insurance and they where good with me being in a flood x. Now they are telling me that I need to get update paperwork from XXXX either a map amendment or map revision. I have applied on line with XXXX to get this information which takes them up to 60 days to provide the paperwork to me. So now in the mean time I'm only paying my normal mortgage not the extra money that they added on to my mortgage I feel I have given them the proper documents for them to solve this issue. Nobody ever gets back to me at Sun Trust and I have faxed over the information many times and All State also tried to tell them that I was in a flood zone x. I feel if this isn't taken care of I will end up losing my house.

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 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello My Name Is XXXX XXXX XXXX Birthday XX/XX/XXXX Iam A Us Citizen I Couldnt Open A XXXX  Checking Account When I Went To The Branch They Mailed Me A Paper To My Home And It Says My Credit Score Is XXXX it Says The Key Factors Is Because Too Few Mortgage accounts and length of time most recent collection has established is too short/ to many serious derogatory items /total amount past due or collection amount is too high and I Never Took Out Loans From No Where I Also Never Owned A House I Never Owned A Credit Card From No Where Everything I Ever Brought In My Life I Always Paid Cash For It I dont Have no Bank Accounts I Use To Have Bank Of America And XXXX  But My Cards Was Lost To Them And I Asked Them To Close The Accounts Thats At The Time When My Oldest Daughter Was Living With Me XXXX I Dont Own A vehicle I dont have a job Im a XXXX XXXX XXXX with a XXXX XXXX With XXXX Other Children That Also Live At Home With Zone I Caught My Oldest Daughter XXXX XXXX Age XXXX Going Threw My Important Papers And Since And Every Since I Caught Her I talked to the police about it and they said that it aint Identity theft because she didnt steal my ID or social security card I caught her with all my information writing it down then she ran Out The House And I Didnt No What To Do About All This I Really Need All This Cleared Up Because this is Not My Doing I Obey The Law Please Can Your Company Clear This All Up Because I Would Like A Bank Account But They Saying I Cant Have One Because of All This I Need For This To Be Cleared Up As Soon as Possible Thank You Sincerely 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 explanation
Consumer complaint received 2021-06-26
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal put my in 180 days limit transfers.Covid in our country and I whant use my money.My name XXXX.Surname XXXX.My email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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:
On XXXX XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Affirm Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This company customer care is horrible I have never been treated like this before I had previous loans in the past was a good customer and they had to do a bypass because their system was keep saying unable to verify my identity since I have a fraud alert but now when they do it it still says it and they dont know how to fix it its so annoying when Im the past also one loam shows Chargeoff but it was never I paid it I just want this resolved it never should be like this to prequalify their system is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Please see the previous Complaint ID : XXXX this case needs to be reopened. 

Lobel Finance states they have reached out to the Consumer this is FALSE! 

The Consumers have an open ongoing complaint with the Arizona Attorney General 's office Case # XXXX XXXX and at NO TIME has a resolution been reached or any settlement or agreement. 

Please see the attached letter from Arizona Attorney General 's office in which the case remains open. 

Lobel Fiance in conjunction with XXXX XXXX is clearly doing a bait and switch of overcharging for the final sales price of the vehicle original amount financed of {$8000.00} Lobel is attempting to have Consumers pay the ENTIRE {$12000.00} which would include the {$11000.00} included 35 months. 

Consumers are attempting to pay off the auto loan early in which the contract clearly states " no early payoff penalty ''. This is BAIT AND SWITCH Please see the highlighed attached contract page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: MI
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:
I filed a dispute with XXXX XXXX, Equifax, XXXX  and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of XXXX XXXX, Equifax, XXXX  and XXXX  refusal to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Penn Credit sent me a collection letter related to a purchase I made on the XXXX website. I called Penn Credit and informed them that the XXXX purchase had been paid and I would be happy to send them proof of same. I sent them proof of payment from my bank account with XXXX XXXX, together with a cover letter requesting that they verify the payment with XXXX. 
After sending the letter, I never heard from Penn Credit for approximately three months until recently I started receiving collection calls from them with no reference to the evidence of payment I sent them. 
They now call on a weekly basis and I now choose not to answer the calls and they do not leave voicemail messages. I interpret this behavior on the part of Penn Credit as harassment and I want them punished for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent written communications to XXXX  XXXX  requesting information regarding the debt on XX/XX/30. XXXX  XXXX  have not responded back with any information or even attempted to do so. This debt has been disputed many times. This collection agency has not been able to prove the debt belongs to me by not providing documents that were used for verification to legally prove this debt belongs to me. XXXX  XXXX  can not verify which documents were submitted to the credit bureaus to legally report. XXXX  XXXX  are not able to provide the employee 's name at XXXX XXXX ( original creditor ), date, time, and reporting details or what was verified with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, 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 2020-09-07
Company: EQUIFAX, INC.
State: MS
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My case was not resolved I have a XXXX XXXX of XXXX my interest rate is 28 % and there is nothing I can do about it, I pay my bill on time and more than the minimum amount most of the time double. I also was told XXXX is not that good, really!!

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 2018-09-20
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went thru the drive thru to deposit a check on Tuesday XX/XX/XXXX. When I got my deposit receipt on the back said that since I have had several overdrafts in the past 6 months, my deposit would be hold until XX/XX/XXXX. I was not informed of this before the deposit was made. The deposit was for {$5000.00} because I had several things coming out. They have charged me over {$250.00} in fees for those items hitting without that deposit. It has left me without any money for gas or groceries.

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 2018-02-13
Company: Experian Information Solutions Inc.
State: GA
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:
Reporting inaccurate information on my credit report this debt now says closed and dosent belong to 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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXXXXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 non-monetary relief
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had an account with Experian. One day a few months ago I was unable to log in. Went through the process of resetting my password. Then they tell me my Social Security number and birthdate do not match. I called four different phone numbers and could not get a human being on the phone. I went online to confirm my identity and they will not let me submit it. If they have this information about me wrong what else is wrong on my credit report. I have done everything within my power to resolve the situation with absolutely no help from 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 explanation