BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but TransUnion and XXXX did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is 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 2019-02-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019. lakeview cashed a XXXX payment but took out XXXX. now checks are bouncing and more checks are due.

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 2019-02-04
Company: EQUIFAX, INC.
State: MD
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:
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, XXXX, and ESPECIALLY Equifax ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. Equifax hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX  - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws. 

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Credit report

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 2019-09-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I don't know if a financial credit card company can do the following or not? 

I received a credit card with a Balance Transfer Offer that I took advantage of and since XX/XX/XXXX I've had the same Minimum Payment Percentage for my monthly bills until this month. When I received the card and its documentation, a specific Minimum Payment Percentage was stated. My {$0.00} APR Balance Transfer does not expire until XX/XX/XXXX. However, the Minimum Payment Percentage doubled this month. Are they allowed to do this? 

Also, I typically pay the same amount every month from the 1st statement on, which is typically more than the Minimum Payment. I do not typically look at my statements monthly because I did not know that they could change their process or the Minimum Payment requirements. Luckily, I did look at this month statement or I would not have met and paid the new Minimum Payment. Balance Transfer Agreements specifically state that you have to meet the Minimum Payment or the {$0.00} APR Balance Transfer Agreement would be null and void. Changing the billing process in the middle of the Balance Transfer Agreement, seems a little predatory to me where they might get a certain number of participants mistakenly missing the increase and therefore, breaking the original Agreement. They told me that the information regarding this change was emailed, but I can not find any notification of it. 

If they are allowed to do this, I guess I do not have a complaint. 

However, it doesn't seem fair that they can change the Minimum Payment Percentage during a specific Balance Transfer Offer Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.

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 2017-12-07
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.

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 2021-09-03
Company: JPMORGAN CHASE & CO.
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 have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account through Citibank on XX/XX/2018. There was a promotion for {$400.00} after {$15000.00} is deposited. I completed the deposits but never received the opening bonus. I contacted Citibank on 3 separate occasions to have this resolved. I received a message stating that because I had previously opened an account I was not eligible for this bonus. This is incorrect. I have a letter from Citibank regarding the account they claimed was opened never got past the application process because they didn't receive the " required documents ''.

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 monetary relief
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, TransUnion, and XXXX  on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from TransUnion or 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 2019-02-04
Company: TD BANK US HOLDING COMPANY
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your bank of an application submitted to TD Bank XX/XX/2019 using his information without his consent. An inquiry was made into his XXXX  credit report based on that application. An account was established based on that application. TD Bank was first notified of this fraudulent account XX/XX/2019 via a phone call and my client was told not to worry that TD bank was going to address this issue as fraudulent. An official dispute of this account was provided to TD bank XX/XX/2019 however my client received a bill from TD Bank concerning payment for this fraudulent account. This is a known fraud issue and by law, FDCPA, TD Bank CAN NOT attempt collection effort of communication with the client until an investigation has been conducted. 
Currently TD bank is in violation of the FDCPA and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT { XXXX XXXX XXXX   ACCT # XXXX }. WERE FILED ID THEFT REPORT AND DISPUTE WITH EQUIFAX TWICE THEY STILL NOT REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other 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/XXXX at XXXX, I spoke with a rep by the name of XXXX ( Emp ID : XXXX ) about the termination of my XXXX services due to a violent change in my relationship status. I was told that all early cancellation fees and service charges would be waived as a courtesy and was given a cancellation number of XXXX. This was okayed by a supervisor after being on the phone with the " Loyalty Department '' for over an hour. Today, I was contacted by Credence Resource Management by an irate " manager '' by the name of XXXX XXXX demanding payment on the aforementioned XXXX account for {$510.00}. I informed him that I was told by XXXX that no payment would be due on the account due to my extenuating circumstances. I was also contacted cy Credence on XX/XX/XXXX about the same issue and informed them of the same. This company has refused to supply me with proof that this is even a valid debt, which it IS NOT, and are telling me my current address is one where I lived at 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, 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:
I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, XXXX, and Equifax have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), Equifax XXXX ( XX/XX/XXXX), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX   XXXX  ( XX/XX/XXXX ).

Equifax : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ).

XXXX : XXXX  ( XX/XX/XXXX ), Equifax XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX   XXXX ( XX/XX/XXXX), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( 1XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2019-02-04
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:
I have a current complaint against 'ideal collections ' ( case ; XXXX ). This new complaint is about Equifax. XXXX has already recognized the fraud from ideal collections and has removed it from my credit report for life. Several other credit agencies have looked into their fraud as well ( XXXX  and XXXX have been very helpful ). I've disputed this situation with Equifax many times. I'm on the phone with them constantly. Today, an Equifax representative admitted that they did not have any documentation proving this to be a legit debt. Since XX/XX/2018, I have still not received anything in writing providing any info ; what the debt is for, why it's owed, etc. I have been blocked by XXXX XXXX and XXXX XXXX. They claim that I owe them a debt, but have blocked me from calling them. I've attempted numerous times to work with Equifax. The outcome is always the same ; unlike all of the other credit agencies, they claim it to be a legit debt based on nothing. No info, no paperwork, no signatures, no explanation as to what it's even for, etc. My family has been contacted all over the United States by these scam artists. I'm to the point of looking into taking legal action against Equifax for allowing the harassment and fraud to continue. I have recently missed several financial opportunities due to this fraud that Equifax refuses to recognize. For the record, my score with XXXX is in the high 700 's. Equifax ; XXXX. This is getting out of hand. I find it to be very unprofessional and unethical on the part of Equifax. I have asked Equifax, XXXX XXXX, and XXXX XXXX for any type of documention. Again, no response. Please help me to have this removed from my ( for the last several decades ) excellent credit history. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: MA
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 have been trying to have these inquires removed from XXXX and equifax. I have had no luck. My ex husband who just recently is now XXXX tried to open things in my name. 
2 inquiries from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX. XXXX XXXX XXXX 2 inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nh XXXX XXXX XXXX XXXX 4 inquiries from XXXXr with no dispute information 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Open a XXXX  card back in XX/XX/XXXX. Paid all monthly payments due. In XX/XX/XXXX our payment which the bank sends out was sent 6 days ahead of scheduled, and they put a late charge on account saying they never recieved our payment. When the bank posted the cash check it show that someone wrote an account number on the front of check where the amount of check is written out and was cashed by citibank. I is NOT our account number, this account is a Sears account number and not ours. When we spoke to XXXX  ( citibank ) they refuse to listen and say we must send payment to bring up our account up to current date. We call numerous times got no help, and they keep putting on late fees. XXXX of XXXX, they put a late fee, I called, told them this was there fault, they removed it, kept calling them to see if they put our XXXX on our account which they did not. XX/XX/XXXX they took off the late fee, and said give them time. On the XXXX of XXXX another late fee, and now its the banks fault and we must pay up. As of today, I once again gave them the account number that they put the XXXX on which is on the check and told them it is not ours which they have nothing to show for.

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