BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I been trying to get XXXX to update my address since 2020, Equifax has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I discovered fraudulent activity on this account in XX/XX/18, $ XXXX.I contacted the company without any resolve.

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 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I currently have a trading account with the trading app Robinhood. I have tried to withdraw money from the account and transfer it to my bank account several times. Without explanation my account was restricted and I am unable to withdraw the money. I have reached out to customer support several times since the beginning of XXXX and have yet to receive and response or explanation. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
wells Fargo took my payments XX/XX/XXXX and XXXX and charged off my account after reps hadn't posted my payments XX/XX/XXXX and harassing me when i call and hanging up on 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 2020-07-08
Company: Experian Information Solutions Inc.
State: PR
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:
Experian got in their phone application a tool that is call, File Lock, this tool pretty much do what it said, lock your credit file so no one can have access unless you authorize. 
I started using this service by the beginning of XXXX. Around XX/XX/XXXX I applied for XXXX XXXX XXXX, they told me back that my file was lock that I needed to unlocked. I tried multiple times and the app didn't allow me to unlocked my file. I contacted Experian in XXXX, XXXX, XXXX, and XX/XX/XXXX at least 4 times a month and none of the customer services representative was able to unlock my file. 
They open a trouble ticket and told me they will solve the situation. One month past by and no communication of any type. I call back around XX/XX/XXXX and they told me they were working with the situation. Finally around XX/XX/XXXX I receive an email telling me that my file was locked because some information was incorrect on my file, which doesn't make sense because I was the one that locked my file, but the email continues explaining that I was to contact them to fix it. I been trying to contact them since then without any response. Now XX/XX/XXXX I'm trying to buy a XXXX system for my house and the company selling me the system use Experian to look into their clients credit, so again I've been denied because of this issue. It's been a little more than a year that I been denied applications because of this issue. Experian is blocking and denying my financial freedom without reason. 
I will like you to help me because even their customer service phone number is a machine, which doesn't provide any help or option to talk to a human being which can understand this situation. 
Hopefully you can 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 explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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  Balance : {$0.00}

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
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I just opened an account with PayPal last week. PayPal email is XXXX, I successfully completed 2 transactions and both transactions they had a hold placed on it. Yesterday my friend loaned me some funds so that I can pay some of my bills and rent and I wasnt able to transfer funds to my bank account. I tried to get help from chat support but they couldnt help me, and placed my account on limited access. I cant access my funds at this point. They wanted me to verify my identity and bank card which I did, and after verifying my account I received an email saying PayPal close me account and any funds in my account will be on hold for 180 days. I cant wait 6 months for funds that I need to pay my bills right now. They close my account with out an explanation as to why! At this point I dont care about using their service anymore and I just want to be able to withdraw my funds out and move on from this! This is not right and feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
Statues for creditcard fraud are resolve within ( 60 days ) two billing periods USAA DOES NOT MAKE TIMELY FRAUD CREDITS. USAA DOES NOT COMPLY WITH THE LAW. see attatched fraud claim date XX/XX/2018 {$470.00}. see attatched statements XXXX XXXX XXXX XX/XX/2018 ( THERE ARE NO {$470.00} USAA CREDITS. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/2020 I settled an old debt that was through Marnier Finance, LLC. and XXXX XXXX XXXX  was the collection agency handling this debt ; in other words I came to a settlement agreement with XXXX/XXXX  Law and paid the debt in full and was told by Mariner Finance 's local office before I paid the debt that they would release the title as SOON as I gave them the confirmation of debt paid in full. I received my paid in full letter from XXXX XXXX on XX/XX/2020. I contacted Mariner Finance in XXXX, Fl where the original loan took place as I need the title to my vehicle released through the FL DMV as it is imperative I get rid of my truck as I am on XXXX and have an urgent need to do this right away. They gave me XXXX XXXX 's number as was told she was in charge of recovery for Mariner Finance. I was able to contact XXXX the same day. She told me she had not " received '' notification from XXXX XXXX ( she looked up my account ) and that even if she did it would take her thirty days to " process '' the information. She was very short and rude. I did not argue with her and proceeded to file a complaint with the corporate office. However, I was repeatedly disconnected or was on hold over an hour with no one answering. I finally was able to contact someone days later and was told a manager would call me back within 24 hours. I never received a call and have been unsuccessful getting anyone on the phone again. I attempted to contact XXXX XXXX again the first week of XXXX via email and phone ( I have also sent her numerous emails after our initial conversation on XX/XX/XXXX in order to keep a paper trail ). She never responded to me. I also left her a few voice mails. I filed a complaint with the XXXX  XX/XX/2020. The response from the company, Mariner, was received XX/XX/2020. It was a generic letter stating that my debt was transferred to XXXX and I need to contact them. Um, XXXX XXXX are the same, and this is part of my rebuttal that I sent back through the XXXX  ( which I have attached ). I am getting no where with this company and as you can see they don't even research my file when they are contacted by the XXXX. They are illegally retaining the title to my vehicle. I can't continue to wait for a resolution as I feel there is not going to be a resolution since I can't even get in touch with anyone. Please help me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke to the company told them my wallet was XXXX never opened an account with them .I keep telling them what happened. 
XXXX XXXX XXXX XXXX Open account 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 2020-07-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am a suntrust bank customer and there are fraudulent activities on my account since XXXX I deposited {$20000.00} towards my suntrust mortgage payment to be applied as principal balance. Suntrsut applied only {$10000.00} Suntrsut did not apply the month laon amount of {$1400.00} from XXXX - XX/XX/XXXX The loan was reset back to {$130000.00} in XX/XX/XXXX Loan amount at beginning of XX/XX/XXXX was {$130000.00} Loan amount should have been {$120000.00} - {$10000.00} The loan amount needs to be reset to {$90000.00} for fradulent activities committed by Suntrsut Bank. 

There have been fraudulent activities in my checking account for the amount of {$25000.00}. A check for {$25000.00} must be deposited into my suntrsut checking account I would my suntrsut checking account and suntrsut mortgage laon transferred to a responsible bank and managed by a resposible authority, Thank you Sincerely, 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 2021-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

11. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Last year in XXXX, I opened a brand new checking and savings account at BMO bank with bonus promotion. 
They promised my that the bonus will be automatically deposit to my bank accounts after qualifying days, which should not be later than XX/XX/2019. In XXXX, I was called on Military XXXX XXXX order, after I went back from the order in XX/XX/2019. I still didn't see the bonus in my both accounts, so I called the banker in XXXX XXXX, WI. I was informed that the bonus will be deposit to my accounts soon. After a couple of weeks, i only saw the bonus in my checking account, not savings ans with addition paperless statement bonus ( {$50.00} ). Up until now, I still have not got any bonus in my saving account. 
This is against the terms and condition policy of BMO bank when I opened my accounts with them. Now, it made me believe that BMO bank does not have ethical code of conduct and integrity to do business with customers.

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 2022-10-15
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:
The incorrect accounts 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 XXXX, Equifax and XXXX was XX/XX/2022, 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 accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX 
I contacted the XXXXXXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
XXXX XXXXXXXX XXXX XXXX never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, MS XXXX I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being XXXX XXXX at XXXX ( representing XXXX XXXX never responded in writing within 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed CITIBANK ( CBNA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -CITIBANK  ( CNBA ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted Citibank, and XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2020-11-05
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: Account information incorrect

Complaint:
There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number 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 2019-03-07
Company: Experian Information Solutions 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:
I paid XXXX, XXXX, XXXX and XXXX in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: BMW Financial Services NA, LLC
State: LA
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 filed a complaint about bmw financial services account. They responded with a copy of a bill or lease agreement with handwriting thats not my handwriting and they dont have a copy of the identification of the individual that signed the lease. This is a fraud account and BMW NEEDS TO PROVIDE PHOTO IDENTIFICATION OF THE PERSON WHO SIGNED THE LEASE and if they cant the account needs to be removed and blocked

Company response to consumer: Closed with explanation