BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: IL
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:
After ongoing disputes, Experian and XXXX have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.

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 2022-07-20
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: Investigation took more than 30 days

Complaint:
Equifax notified the apartment community of my credit report. I was declined to rent due to two large accounts turned over to collection agencies appearing on the Equifax report. 
One - XXXX XXXX XXXX in the amount of {$2700.00} and the other was XXXX XXXX XXXX in the amount of {$5000.00}. Since I submitted my disputes on XX/XX/XXXX, XXXX XXXX XXXX amount of {$5000.00} has been deleted/removed off of my report. However, I received notice from Equifax they needed to extend the time to reinvestigate ( to XX/XX/22 ) the collection from XXXX XXXX XXXX. This is outrageous! XXXX has cleared all these bogus accounts that I did not open. I don't understand why this is taking so long with Equifax. I am XXXX on a friends sofa waiting to get approved to rent at a HUD housing community. Can you please check into this for me? I understand CFPB has help many others and I hope to be another success story. One last important piece of information, there are several people that have stolen my personal information ( CA ID, Social Security number, birth date, full name, where I was born, and employment history ). 
There are so many inquiries on my report that I never initiated. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/19 I have received notification form the credit bureaus in reference to an alleged debt reported on my credit file from Midland Credit Management in reference to XXXX XXXX XXXX. Midland Credit Management has not notified me of this debt via mail or phone call in reference to this alleged debt owed. Midland Credit Management began reporting this alleged debt on XX/XX/19. It is illegal and a violation of my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an issue with this bank in the past when first being told I owed this surprise debt in the summer of 2016. We could not come to an agreement, I refused to pay the surprise debt if they did not reduce it and unless they retrained in marring my credit report. They refused so I did not pay it. Years passed. unfortunately my car broke down. The transmission went. I had no intention of selling my car or getting rid of it. It had XXXX  miles on it. A real shame. I could have given it away to a family member who was in dire need of a car and that is what I had originally intended on doing. This bank would not release this title even after three and a half years! They had eventually charged off the debt but still would not release it. Unfortunately for me I could not even dump my car ( sell it for cash to a junk yard ) without a title. No one would deal with me. So i had to settle with them and give them {$150.00} and wait weeks for my title. Terrible. In the meantime I even got a ticket for inspection! The car was on the street. Could not drive.  The transmission went. Finally I got rid of the car for a paltry {$200.00} after spending a thousand dollars in repairs only months before the transmission went. On top of this I found out that the bank had actually written off the debt. It is on my credit report! Not charged off. WRITTEN OFF. It states it clearly on my XXXX  Credit report, currently. I was told years ago by the DFS of NYS that they could not do this without releasing the title. How did they get away with this? All this bank does is send numerous copies of past invoices showing payments in triplicate! I dont ' know why did they keep doing this. Its a waste of paper. What are they trying to prove? They are talking about the past and the original debt that I owed. Why? that is not what this is about. This is a matter of them taking my money to settle. They took my {$150.00} and still wrote this off? I am going to also report this to the DFS as well. They were not supposed to write off the debt before or after taking my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
2013 I was paying a loan back to Speedy cash but instead they said I was only paying interest after thinking I s l was done paying for, Funds increased to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: NY
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 used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

They also refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 
This is now the THIRD time equifax has violated the FCRA ontop of the breach recently. 

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: CITIBANK, N.A.
State: NM
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:
This all started XX/XX/2018. I was scammed by a company that was supposed to create a website for me and a business model for selling products online through what they called a drop shipper. Unfortunately, this service was never rendered even after months and months. I tried to get out of the contract within the stated time but I was coerced to remain. After months of not receiving any help or information to continue the website I decided to gather all my evidence and fight the split transaction of {$5500.00} with my credit card companies. I mailed a copy of the evidence I gathered ( over 50 pages ) of emails and messages and dates and screenshots of the " website '' to both my credit card companies. Thankfully one of my credit card companies did the right thing and fought the transaction with me, obtaining a part of my {$5500.00} initial payment and {$49.00} hosting fee I was being charged for several months on a website that was never live and never ready. I received {$2500.00} from one of my credit card companies. However, after all evidence submitted, my other credit card company ( Citibank-mastercard ) was unwilling to get the money back and continued to deny my request after more than 3 attempts at contacting them. I have struggled financially ever since this incident and have to repay Citibank and other credit cards for the financial losses this incident has caused. I would like to be able to recoup what was stolen from me by the company called XXXX who operate out of Washington State. They have a proven track record of scamming others and have even changed their name of business to continue to scam others. I am reaching out to you know as I can not even access my credit card with Citibank as they have denied me almost {$3000.00} in this case and I just can not pay their minimum. However if they would have just taken the evidence that I supplied them, they would have helped me to be able to pay them back in a timely manner without insane interest rates. I would like to get back on track and this is still weighing heavy with me. XXXX have scammed so many people and it is not fair that companies such as these are getting away with making so much money off of people. I don't know what else to do. I read online that Citibank didn't help other customers. I have no way to contact them as I am currently out of the country and really need some assistance to be done in writing. I hope you are able to help me. I appreciate you taking the time to read this. And I hope to provide greater detail through a resolution with 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 2018-02-07
Company: VW Credit
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent in a payment for 50 % of my outstanding balance ( {$9300.00} ) in XX/XX/XXXXof XX/XX/XXXX because I noticed that my credit score with XXXX had gone down significantly, and the reason given was slow reduction in my loan balances ( I had just taken the loan out when I bought the car used, with 50 % cash down, in XX/XX/XXXX, and only had a 36 month payment plan ). But I know that, while the CFPB has decided not to investigate XX/XX/XXXX, they and the other credit bureaus are like the XX/XX/XXXX. So I addressed the issue by sending Volkswagen Credit USA a check for {$9300.00}. 

What VW Credit did was to slowly apply this against my future payments for the next 15 months, rather than applying it to my balance without ever asking me what I prefer. Now, I concede that I could have noticed that I was not getting autopay withdrawals anymore. But frankly, I scan my accounts for things that should NOT be there, not things that SHOULD be there. 

I think that given the way almost any other loan I have experienced in my life, it would be a very reasonable assumption that the check I send would be applied against my balance. It was not, although the funds were removed immediately from my account. Thus, VW Credit US had full us of my funds for a year, while I did not AND continued to charge me 5.24 % interest for the privilege of them holding my cash. 

I have spoken to a supervisor there, and the " best '' they can do is to apply a {$50.00} credit towards my account ( I had to specifically ask them to apply it to my principle. They were unable to do more because they " did not make an error. I could have told them how I wanted it applied ''. My calculations show that this has cost me approximately {$340.00} in interest over charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: SYNCHRONY FINANCIAL
State: GA
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 checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting 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 2023-02-25
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:
There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX  {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.

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 2017-10-07
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received from Rash Curtis & Associates account # XXXX dated XX/XX/XXXX Re XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX Hospital {$1200.00} Please note that did not receive Medical Care from XXXX XXXX XXXX XXXX. The debt is not mine and is possible identity theft. Attached are documents showing that I owe XXXX XXXX Hospital for Medical charges from XX/XX/XXXX not XX/XX/XXXX am currently on a payment plan of {$50.00} per month the account # XXXX Furthermore, attached are document showing that I received Medical Care Urgent on XX/XX/XXXX from Urgent Care in XXXX, CA totaling {$68.00} was paid in full at the time services were rendered my visa Debit Card. Please note that these charges are false in my opinion identity theft. Also, note that I am on Worker Compensation for the XXXX XXXX XXXX XXXX with XXXX XXXX claim adjuster names are XXXX XXXX XXXXXXXX XXXX ex XXXX & claim adjuster XXXX XXXX ( XXXX ) XXXX Claims # XXXX state claim # XXXX & XXXX ( please note that this injury was not registered with the state of ca because this workplace was injury was caused by a co-worker at in the Direct Sales Department named XXXX XXXX ). Also, note that XXXX XXXX attorney named XXXX XXXX XXXX of the Law Firm XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I clicked on a link on the XXXX website to apply for a XXXX XXXX store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from XXXX XXXX that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with XXXX, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. XXXX XXXX  used a credit company called XXXX XXXX XXXX. 

I called XXXX XXXX on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop XXXX XXXX  and XXXX from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.

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 2023-09-28
Company: U.S. BANCORP
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, XXXX mobile deposited a check for balance transfers for the amount of {$9000.00}. On XX/XX/XXXX, I received an email stating the check was accepted and the funds are available. I then logged into my banking account and observed the check was accepted and funds available. I used the funds to pay high interest credits cards off. On XX/XX/XXXX, I logged into my banking and observed that I had a large negative account balance, but there was no indication as to why. Next, I called customer service and was told that a manager would call me back the same day for this matter. I never received a phone call. Today ( XX/XX/XXXX ), I again logged into my mobile banking and saw a large negative number, but there was no indication as to why. I called customer service and was told I had to now call the fraud department because they placed a hold on the check I had deposited. Also, there was XXXX overdraft fees now on my account. In addition, I saw the payments I made that been returned.

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 2017-10-24
Company: Experian Information Solutions Inc.
State: TN
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 recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

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