BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: EQUIFAX, INC.
State: LA
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 have inquiries with equifax that was deleted because, I did not authorize them and no knowledge of some of the companies. Equifax added these inquires back on without any notifications to me and i have tried resolving the issue with Equifax with no success. 

The inquires are listed below : XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX ) * XXXX XXXX XXXX XXXX - ( XXXX ) *XXXX Loan - ( XXXX ) *XXXX XXXX # XXXX ( XXXX ) * XXXX XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX XXXX *Eagle Louisiana 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  Bank 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 XXXXl XXXX XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Financial ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial ( XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Na. ( XXXX ) * XXXX XXXX XXXX Services ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX  Finance # XXXX ( XXXX ) * XXXX bank XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) * XXXX bank ( XXXX ) *XXXX ( XXXX ) * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Louisiana XXXX ( XXXX ) *XXXX XXXX Bank 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 2017-11-11
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX  XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$49.00} XXXX  XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$790.00}

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 2019-06-19
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This issue began when Midland Funding LLC, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that Midland Funding verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved by Vanderbilt Mortgage for a manufactured home loan and my loan office wont return my calls Ive left several voice mails they wouldnt give me her email I had to get it from a XXXX homes employee, she is not responding to my emails Ive sent her home buying assistance application she wont respond Ive even sent out dated application she wont respond. I called XXXX XXXX she wouldnt answer she had them tell me she was on break then they sent me to another loan XXXX who wouldnt help me but told me I dont qualify for a fha but they gave me a conviental loan with high interest high down payment and a high mortgage and no one wants to help me fix it. I am a single parent of XXXX I down have XXXX XXXX just laying around. I thought your supposed to help your clients find the best possible mortgage the best fist time home buying process not just push them to the side cause they dont fit your expectations

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 2020-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX withdrawals were made from my checking account without authorization first XX/XX/2019 {$1900.00} 2nd XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX these three I I have received credit back into my account 4th XX/XX/2019 was {$1000.00} I have not received and XXXX XXXX from Fifth Third Bank will not return my call all of these transactions came from a company called XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a threatening message about legal action from a supposed attorney for a debt that I do not owe. I have never received any kind of Payday Loan, and the language in the email is questionable. This appears to be a lazy attempt at intimidation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681s2 - ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Again this nightmare with Citigroup!!! A year ago I am dealing with this stressful situation with this Company! and now they are reporting me with two different collection agencies at the SAME TIME!!! 
I called both and they reject the account because they can see this is crazy! 
One of the agent told me, they can not report me with two agencies at the same time!
Now they have a new one!!! the third agency involved and I contacted the President of Citigroup but NOT cares about this!
The same CLOWN than year ago, was ACTING to help me, when the company close my account because the lady did n't like and do n't understand my accent! 
Sent me a letter again, then a new agency is contact me about some amount I DO NOT own Citigroup! 
It is NOT my fault if employees from this big MONSTER company like Citigroup, do n't have track of customers information, and they are giving the wrong information over the phone! 
Here I am attaching the last letter, I sent again to the President, following recommendations of the agent, in one of the agencies they reported me. 
You can see too, the anwser of XXXX XXXX XXXX and copies of three different agencies I have been report in one year but NOT succes, from XXXX XXXX who is crazy about to make me pay some amount, I DO NOT OWN. 
Please any question, feel free to contac me @ XXXX or XXXXXXXXXXXX. 
Thanks a lot, 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 2017-11-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a bank account with JP Morgan Chase from which I sent a wire transfer to my aunt in XXXX XXXX of {XXXX}, this was on XXXX and was waiting at least a couple of days for the transfer to her, little did I realize when I tried to login to my account later on that Chase places a block on my account granted that I satisfied all the security measures online and verified the funds transfer. While attempting to login I thought I had my password wrong so I tried to reset it and that is when i found out that my account was blocked online so called Chase and after verifying all sorts of personal information over the phone and verifying to them that this transfer was made by me personally online htey transfered me to a security specialist as they stated to help me get access to my account online all I enocuntered was rejections to help me over the phone, the individual told me that I would have to go in person to the bank wich was not possible for me due to my work schedule, also the nearest bank to me is 6 - 7 miles from my home and I do n't have time during the week the only day I could go in person is on XXXX and I explaied to him the reason for the wire transfer as a humanitarian attemtp to help my aunt in P.R. not some third world county around the world. I hung up because I was not going anywhere with the guy, I called a few hours later when I got home just to have another session of security questions and meet with the same reuslt which also meant me that I ca n't access my account or my funds untill I go to a branch, today XXXX I went to the branch on XXXX XXXX in from of XXXX and found ot the bank is closed due to the holiday on XXXX which means that if I ca n't go to a branch untill I have the time to do so on XXXX this is going to put me two weeks without access to the account and the {XXXX} that I sent to my aunt in P.R. never went thorugh either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX bank/ Midland finical LLC promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WAS XX/XX/XXXX, CAR WAS REPOSSESSED IN XX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY XXXX CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY WESTLAKE FINANCIAL SERVICES AS PER A REP FROM XXXX AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ON XX/XX/XXXX, XXXX NOW HAS IT TO BE REMOVED IN XX/XX/XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These Inquires have been made to my account fraudulently and without my knowledge Remove these ( 5 ) Fraudulently inquiries from my credit report that I have with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUSIVE Action For XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX, some of my personal information was compromised in the XXXX data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX XXXX ) without the card ( it was in my possession ), using a bogus New York driver 's license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold 13 years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for 11 years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all three credit bureaus. When this is resolved, I will freeze my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife made a reservation at XXXX XXXXXXXX XXXX in XXXX TN for XX/XX/XXXX-XX/XX/XXXX and prepaid with her SunTrust debit card. Upon their arrival they experienced an  ongoing family party with excessive alcohol use. My son was attending XXXX  XXXX for the week and the ongoing noise was significantly disruptive. They were also concerned for their safety and security as there was no lock on their door. After two days they moved out to the XXXX XXXX and requested the balance of the prepayment ( {$810.00} of the {$1200.00} paid. The owner said she " would talk to her husband '' but ultimately refused to refund the difference. There was no contract or disclosure at any time. We asked SuntTrust to obtain our refund but they said the merchant refused to pay. I think we should be given a full refund but will accept the unused portion.

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 2019-08-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store XXXX XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the XXXX. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.

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