BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.

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 2023-07-31
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My account with KIA Motor account # XXXX is reflecting a late pay in XX/XX/2023. This is not accurate the full account was paid off in XX/XX/2023. I have a receipt from XXXX showing Kia received the full payment and the check clearing on XX/XX/2023. I am in the midst of a mortgage and this is harming me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Attention : California CFPB I am a California XXXX. On XX/XX/2022 I received a loan in the amount of {$400.00} with an interest rate of 678.14 % ( XXXX ) from Black Hills Credit DBA Cascade Springs Credit. This company is predatory, and I believe this interest rate is illegal in California. 

This company claims to be a tribal lender that is not governed by the laws of California. 
Can you let me know if this interest rate is legal? If not, what are my options for dissolving this loan? 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Account status incorrect

Complaint:
Dispute items on my credit report as accurate when in fact is not. According to 15 usc1681b They don't have my written consent to report any item on my credit report to continue to do so is consider identity theft by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: MI
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:
During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on XXXX and Equifax. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with XXXX and Equifax requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: TN
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 car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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:
My identity has been compromised and the aftermath has effected my credit file unjustly and tremendously. I've requested a Method of Verification from the 3 major credit reporting agencies but never received anything. However, these accounts do not belong to me. Please block and remove. 

1. XXXX {$1000.00} 2. XXXX XXXX {$300.00} 3. XXXX XXXX   {$320.00} 4. XXXX XXXX {$300.00} 5.  XXXX {$500.00} 6. XXXX {$500.00} 7. XXXX {$790.00} 8. XXXX XXXX   {$790.00} 9. XXXX XXXX {$470.00} 10.  XXXX XXXX {$60.00} 11. XXXX XXXX   {$790.00} 12. XXXX XXXX {$310.00} 13. XXXX XXXX {$730.00} 14. XXXX XXXX {$160.00} 15. XXXX XXXX {$110.00}

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 2018-08-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I reached out to MoneyGram because I could not log into my account which I have used DOZENS of times. He informed me that Money Gram closed my account for security purposes. I never received any notification. I was never informed and when I asked to speak with someone to clarify, I was told no such person exists. I expressed my concern about them now having all of my personal data and I have no way of accessing it again. I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: WI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Wells Fargo Auto XXXX XXXX XXXX XXXX, CO XXXX RE : Account ( XXXX ) To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 



I want you to know that I understand and have great respect for my financial obligations. 



Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account on my credit report for late Payments. was under the impression that the payments were being taken out of my account faithfully. 



Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 



Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 



In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 8 late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 



Thank you for your consideration. 



Have a blessed day!

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 2020-10-16
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of my apt in XXXX and I gave proper notice to the rental company 's manager that lived on site. I moved in the unit back in XXXX and the same month of XXXX. I spoke to the onsite manager that the carpeting had black spots in it and it was not new. She mentioned to me that its was not new it was cleaned. I never had any real issues in the unit but in XXXX I asked if i could have a pet and they do not allow pets so i went to my doctor and i was given a letter to allow for an emotional support animal and i gave the onsite manager a copy and from that point forward I had an issue. I had one complaint about the puppy pad on the balcony and I reframed from allowing him to go out there but it did not stop the owner of the company became furious about the animal and it just was an issue with him. So I gave my notice to the onsite manager in form of a card and I began the process of moving. I did clean the unit there was damage to the corner of the wall while moving items and the globe was missing from the kitchen. I replaced the burners and the blinds in the unit. I cleaned the unit and I gave my keys to the site manger. In XXXX of XXXX I got the move out statement and I called and requested pic of the said damages on the report the owner yelled and cussed about me having the puppy and hung up. I called right back and i said to him that i lived in that unit over 7 yrs and the appliances all worked, not one screen was damaged at all, all the yrs i have lived there never had a bug until the guy next door moved in, and why am i being charged for new carpet replacement when it was not new when i moved in there, the dishwasher worked! The owner just yelled and cussed again and gave the phone to someone else and he just read the move out statement to me and I asked for proof of the damage because it is fraudulent to bill me for damage that I did not cause. I told him that the onsite manager has never sent me a notice regarding housekeeping or damage to the unit and they exterminate once a month for seven yrs. Most of the things on the list is normal wear and tear. Only thing new in the unit was it was painted the appliances are used and the carpeting was used. Because of the abusive language from the owner I never called again until XXXX I called and spoke to a woman and I again requested pictures of all the damage and receipts showing that the dishwasher needed to be replaced. They are unable to provide me with any further information but has charged me {$3800.00} in damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; XXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX  XXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed {$690.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Early Warning Services, LLC
State: WI
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:
Please see attached- Dear CFPB. I am a victim of identity theft. Early Warning Services has been reporting multiple fraudulent accounts to my consumer file that were not opened by me. This has been preventing me from opening bank accounts across various banks. I want these accounts removed from that file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling, usually refuses to say who they are, or the company. When they do actually disclose this, they refuse to say why they are calling, other then to say its a personal matter. They refuse to state what the company does. They just keep saying its a personal matter, and the person does not even live here.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions Inc.
State: NC
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'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

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 2019-10-28
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened a online Citibank checking+savings account in XX/XX/2019 under the promotion of XXXX $ bonus if I maintained a balance of XXXX $ or more for 60 days. I met these requirements on XX/XX/2019. I had contacted the bank to enquire about the bonus and they had confirmed that I have met the requirements and bonus will be credited to my account. I have chat transcripts from customer service confirming the same. 

When I contacted them again to enquire about the bonus on XX/XX/2019, they lied to me that my account was not opened under the promotion and I will not be receiving the bonus. 

Checking account # XXXX Savings account # XXXX I would like to complain about this fraudulent practice and demand that they send me a check of XXXX $ that they owe me. 

XXXX XXXX Phone : 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 monetary relief
Consumer complaint received 2020-10-16
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America California XXXX XXXXt Department XXXX XXXX XXXX Account XXXX I have {$1000.00} in funds in my B of A - XXXX account, which were frozen by B of A. 

I communicated with the XXXX and they stated via email ( Attached ) that B of A had frozen the funds, because of outstanding debt relating to a line of credit, mortgage, credit card, or because of fraud. 

I have have never had any type of account with B of A, and am not being investigated for unemployment or any other type of fraud. 

Since this is not a traditional checking account, the account info noted on the next page is the XXXX XXXX XXXX # associated with the account

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 2018-08-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my Equifax credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both Equifax and XXXX XXXX with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Genesis FS Card Services, 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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nissan motor acceptance Corp is Reporting to the credit agencies that my lease is not paid off and I have an open balance of XXXX. They are doing this because I didnt pay for car damages when the lease is returned. 

I am kindly demanding that Nissan stops reporting my open lease balance and closes the account in reporting to the agencies. After that I will pay the damage fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: IN
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 refinanced my vehicle loan through XXXX XXXX XXXX XXXX. Unfortunately, I also experienced some unforeseen circumstances ( Ive been XXXX  with XXXX and also paying for my XXXX, XXXX, XXXX  ) that prevented me from making my payment on time. I paid my payment 25 days late ( XX/XX/XXXX ) but paid it to a zero balance. I paid this payment with a debit card and the funds were immediately deducted from my account a and a receipt provided. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported that my payment was 30+ days last due. This was reported to Experian and XXXX, unsure of XXXX. I reached out to the XXXX and was informed that it took 4 days for my payment to post which was then 30 days and that they would remove it as a one time courtesy. I disagree with these business practices because even if they do remove it, Ill have 30+ days of an incorrect credit report. At a time where I may need to apply for XXXX XXXX to keep up with my medical expenses. Also, it doesnt seem like a courtesy when I wasnt actually 30 days late in the first place. There was no notification that if I paid with a debit card that their system would take 4+ days to reflect a payment on their end. They took it from me immediately with no issue. What possible payment method would post faster than debit? None! Im so disappointed with the lack of care and concern from XXXX and that this will happen again in the future because its their policy. It this isnt illegal credit reporting, its at the very least terrible customer service. I also think its unfair to expect the customer to go through the dispute process with all 3 credit bureaus instead of revoking the late payment themselves.

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