BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA XXXX XXXX XXXX XXXX  Not my account XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX XXXX Not my account ACCORDING TO 15 U.S. CODE 1681B ( 2 ), NO ACCOUNT CAN BE REPORTED TO YOUR CONSUMER CREDIT FILES WITHOUT YOUR EXPRESSED, WRITTEN CONSENT 15 U.S. CODE 1681I ( A ) ( 1.A ) THAT ONCE YOUR PROCESS OF DISPUTE BEGINS, REGARDLESS OF THE STATUS OF THE ACCOUNT, THE ACCOUNT UNDER INVESTIGATION MUST BE REMOVED UNTIL THERE IS A FULL AND COMPLETE INVESTIGATION.

I WANT THESE ACCOUNTS REMOVED ONCE THE PROCESS BEGINS UNTIL INVESTIGATION IS COMPLETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Selene Finance LP
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payments was made to selene as always. I made 4 payments in one month XXXX. Also in XXXX made 2 payments this was to applu for the month of may and  XXXX. I also made a payment in may that was informed the shortage due from escrow analysis and if paid in full monthly rate would not increase. Selene shows no  payment activity document med feom XX/XX/2018 to XX/XX/2018 in which the state I am two month behind. The payment was not received despite it being documented on the mortgage statement they mailed. They have XXXX unaccounted for that keeps getting reversed appled to escrow now showing fee changes and fines. Which are under dispute. They to this to scare me with an intent to accelerate notice today. Refuse to return call. Or respond respa any further that acknowledging the document was received. They have violate my rights and livelihood intentionally refusing to correct this matter that shows evident on their statement that the funds wss received. I have contacted an attorney but this Is still my responsibility to ensure action is being taken to correct this. Havoc and moral turpitude exhibited causing my family a hardships in several ways

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a car loan from Wells Fargo and it should be a part of their most recent lawsuit but haven't heard a peep. I was a part of the other lawsuit and received a payout so I know they have my information. 

XXXX XXXX XXXXXXXX

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 2023-06-14
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries XXXX 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2018-03-10
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have fully repaid the loan I received from this company. The company will not release the debt. Actually, I have triple repaid the full loan amount and the company insist that the full monthly payments of {$510.00} be made. I obtained a loan in the amount of {$5000.00}, XX/XX/2015. The monthly payments were {$510.00}. I've paid a total of {$15000.00} which is three times the amount I borrowed. I am struggling to make the payments and the company refuses to take an extension or let me make partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00}

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 2018-08-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened my account with Care Credit/Synchhrony in XX/XX/XXXX. I used it to cover the cost of XXXX  I had the following month. I was given a brochure at my doctor 's office and applied on-line. It was as easy as could be. I applied for a line of credit totaling $ XXXX and to my surprise, I was notified immediately, after hitting send that I was approved. A credit card was later sent to my home. I was never required to talk to anyone from Care Credit at all. I enrolled in paperless billing and every month I received a notification that my bill was due. I paid the amount requested each and every month on time. I got my balance down to just over $ 10K, but this month, I got a notification, as I always did, but the current balance was back up over $ 12K. I called to inquire. The IVR is terrible and it takes forever to get to a representative. Even when you say representative, the IVR asks to describe why. When I would say something, the IVR would say that it wasn't enough information ... .terrible! I got a representative who advised that the two promotional periods on my account had expired without me paying the full amount owed, so all the deferred interest was added on. I had no idea what she was talking about. She stated that my doctor should've explained it to me. It is completely ABSURD that a healthcare provider would be required to go over any financing conditions with their patients, when the financing is with CareCredit, not the doctor. This is Care Credit 's responsibility, as I am entering into a contract with THEM!! I called the next day and spoke to a supervisor. I offered to pay the balance in full, if they took off the deferred interest, but she said there was nothing she could do. I did end up doing just that - paid $ XXXX last week. I found that XXXX Care Credit was ordered to pay {$34.00} XXXX back to customers for deceptive practices and the terms of that lawsuit back in XXXX. It states that any line of credit more than $ 1K, requires a Care Credit representative to talk to the consumer. A $ XXXX line of credit granted immediately on-line! Too good to be true! I never got any reminders or any notifications that the promotional periods were ending. NOTHING!! Again, I enrolled in paperless billing and listed on the email was current balance, minimum amount due and due date. There should be something in RED on that notice about the promotional period ending. It is deceptive and unfair. I am an accountable person, but this is sneaky business. I am requesting that the deferred interest be removed from my account. 

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 monetary relief
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against the Fraud Department of XXXX in XXXX, I am a victim of identity theft for more than two of us, and they have vcarion reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, makes fraudulent reports the Experian fraud department. They are affirmed that this report is false.The accounts I am disputing are two ( 2 ) and one of them Experian is reporting double is XXXX XXXX # XXXX for an amount of {$16000.00}, and the other is from XXXX   XXXX  for an amount of # XXXX. These accounts do not belong they were not opened by me and this is why I go to the XXXX XXXX XXXX  so that you are witnesses that the department of fraud of Experian in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to Experian. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  ( Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on TransUnion XXXX Account name : XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ( Reported on XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Reported on XXXX ) Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on TransUnion ) has XXXX my rights. 

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2017-09-21
Company: CITIBANK, N.A.
State: MD
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:
Citibank is engaging in deceptive business practices, allowing vendor 's, merchants to place reoccurring charges on the consumer credit card without the consumer knowledge or consent. 

Each time I had to reach out to Citibank for reoccurring charges the only remedies provided is the consumer having to closed out existing card and open a new card.
I had to change cards ( 4 ) times in the last year due to Citibank allowing vendors merchants to access and charge my account at will and without my consent.
Citibank is claiming that if the merchant claims membership or some sort of dues they have the right to submit authorization for reoccurring charges without any documentation or consumer signature authorizing said reoccurring transactions.
The consumer is under the impression that only authorization provided is for a one time charge neither the vendors, merchants or Citibank is disclosing reoccurring charges were set-up allowing unauthorized charges to be placed on the consumers account and Citibank making monies off the additional interest charged.

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 2022-11-18
Company: Statebridge Company
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took a loan out against my house back in XXXX with XXXX ; they closed and reopened under XXXX XXXX XXXX. They turned it over to XXXX. I filed for bankruptcy in XXXX. StateBridge turned it over to XXXX XXXX XXXX, XXXX an XXXX XXXX XXXX. I spoke to several people at different times at this office. One individual stated that I did not have to pay this loan back because I had filed for XXXX in XXXX. The paperwork was signed in XXXX of XXXX I did not receive it in the mail until XXXX or XXXX. The attorney filed for foreclosure against my house in XX/XX/XXXX. I requested information for a payoff ( the least amount that they would take ). Someone gave me an e-mail address and when I e-mailed them ; it came up blocked. To request a payoff to resolve this issue. Then it was stated to me that they sold it back to StateBridge. At the time I was not working after I started back to work. I got a money order to send them in the amount of {$100.00} but someone from StateBridge stated to me that they were not taking any payment. I spoke to someone at XXXX XXXX XXXX and they were not taking this type of case near where I live. I applied for assistance with VA Mortgage XXXX XXXX which is currently under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Debt Recovery Solutions, LLC
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:
In XXXX I looked at my credit report on a free website. I noticed my score had fallen a bit and I was curious as to why. I accessed my credit report through the annual free website. I then saw a collection had been added to my credit report on XX/XX/XXXX by Debt Recovery Solutions. It detailed that the original creditor was XXXX XXXX. I then sent a letter to Debt Recovery Solutions to advise them that XXXX XXXX had been paid in full in XX/XX/XXXX. Along with the letter I included a copy of a paid in full letter that I received when back in XX/XX/XXXX. I have not received any correspondence from Debt Recovery Solitions and there has been no update to my credit reports. The collection is still being reported and it is being reported as unpaid. This collection was not previously on my credit report at any time. Payment was made directly to XXXX XXXX XXXX, the first collection agency, and the account was paid in full without any negotiation and it was paid prior to ever having being reported to any of the 3 credit bureaus. Debt Recovery Solutions has not corrected this error and it is still being report to the major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was put in collection around XX/XX/2017, by XXXX XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please  see attached proof from the lawyers and court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my second attempt ( first attempt XX/XX/2018 ) at resolving this matter in a recent complaint the company responded saying they have not reported to any major credit bureaus when indeed this account is located on all three of my consumer credit reports as a debt collection. This account has not be validated nor has it been brought to my attention I have not had any correspondence with either of the companies for which this debt is supposedly coming from. Along wit the credit bureaus that are reporting information that has not been validated with a contract or a bill or my signature. Under the FCRA all debt and collections must be validated in writing and the company has done neither but put this bad debt on consumer credit file. This is my second attempt XX/XX/2018 to have this matter resolved.

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 2018-07-19
Company: STATE FARM BANK, FSB
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: Reporting company used your report improperly

Complaint:
State Farm Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on the same day. I did authorize only one inquiry for a car purchase at a dealer and only one not two. The second inquiry was an  unauthorized hard inquiry to my credit. The date of the inquiries is XX/XX/2017. I called State Farm Bank and got nothing more than a run-a-round by their customer service representatives on multiple calls to them on this subject by myself to them. This action by State Farm Bank is an unlawful unauthorized hard inquiring to my credit and I demand these hard inquires be removed immediately. That is the reason I am making this  complaint.

Company response to consumer: Closed with explanation