BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: NY
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:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX went into my report on XX/XX/XXXX again on XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX again XX/XX/XXXX. XXXX XXXX XX/XX/XXXX again on XX/XX/XXXX. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. XXXX XXXX gave me three fico scores in XX/XX/XXXX. XXXX XXXX, Equifax XXXX and XXXX  XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, Equifax XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: OH
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 had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my experian credit report due to very harmful negligence by XXXX XXXX XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX  up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}

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 2021-11-04
Company: MoneyLion Inc.
State: CO
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 got a alert on XX/XX/21 stating that my credit score has changed so I logged on to my credit journey and seen that there was a open account for Money lion that was opened on XX/XX/21 and I was late paying so my credit has drop. I immediately searched up money lions phone number I spoke to the rep explained to him that I never opened this account and never heard of money lion, He told me that someone opened a account and took out {$300.00} XXXX  and {$500.00} loan I asked him how do they just give someone money without verify someone information he said it was verified I asked with what information, He said he couldn't tell me that cause he didn't have that info, Makes no sense, I told him I wanted to speak with someone in the fraud department, he said he opened a claim and someone will contact me via-email within 7-10 days. I waited 20 days still no response, I once again contacted them still cant get a hold of anyone. I called again today XX/XX/21 because this keeps hitting my credit score I cant get a hold of anyone. This company is a fraud i have worked so hard to build my credit for them to be ruining it and no help to resolve this nightmare. I have contacted all 3 credit bureau and its under investigation. Hopefully this is resolved ASAP. Money lion needs to be shut down asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of debt via live signature contract and I received no information back regarding validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, I have XXXX XXXX XXXX XXXX XXXX. We use Square to process credit card sales. Square allowed my banking deposit information to be changed without my knowledge. Square transferred {$17000.00} of proceeds from my business credit card sales into 7 different bank. We have used Square for the past few years with the same bank account. Just the fact that the account was changed should have raised red flags, let alone that there were 7 different banking changes to the account. Square has not given any information on how this could have happened or who was involved. Square has covered {$8000.00} of the loss with no explanation. In my last call to Square I was told the case was closed and the conversation was no longer productive. The representative then hung up. Although Square supplied the names of the 7 banks where the money was transferred they will not tell us who or how this was possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a XXXX credit card today when I attempted to purchase annual XXXX passes for my family. My application was denied due to already having received a XXXX card with promotional benefit in the last 24 months The previous card being referenced was closed. I closed the account when I cancelled the XXXX passes during he pandemic. 

It was not clear or disclosed that I would be denied for the stated reason when I applied for the account. Had that been the case, I would not have applied. When I called I simply requested that the inquiry be removed from my account due to the lack of clear disclosures. I did not want an account opened. Only the inquiry removed. They refused. It is not appropriate that my credit report takes a negative inquiry hit due to XXXX lack of clear disclosures in their application process

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Received both subsidized and unsubsidized loans from XXXX XXXX for $ XXXX and signed loan agreements for 4.25 % interest. XXXX XXXX rolled the loans over to Navient. 
My payments are up to date.I have been paying {$200.00} a month for over 15 years. 

- They do not give you a way to pay more than the minimum amount every month. 
- At the end of the loan, the amount paid back above the principle was $ XXXX - Instead of the 4.25 % interest I signed for, they are charging 50 % interest which is illegal in every state. 
- When I called to try to find out why they were charging that much interest they sent me copies of a TIL statement that I had not seen and did not sign when I took the loan. 

This needs to be investigated and stopped. XXXX XXXX and Navient need to pay back the over paid interest. My loans should be fully paid after 15 years of making payments - but I'm still only half way through paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for experian is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. Experian shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. TransUnion as well has inaccurate and inconsistent information which will be attached

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: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Starting in XX/XX/XXXXXXXX I started making trial payments for the Home Modification program after sending in several completed Home Modification packets with all the required information. The first payment I made in XX/XX/XXXX was voided unbeknownst to me in the customer service department. I continued making payments in the amount of {$380.00} for three months and even made a makeup payment in XX/XX/XXXX. I then heard nothing and reached out via email to each and every " specialist '' and still no response. I would just receive new letters every few weeks naming a new specialist. Finally, in XX/XX/XXXX, I was put in contact with a XXXX XXXX XXXX. She and I worked together to get all documentation together from my brother and sister ( also owners of the property but not on the loan ). In XX/XX/XXXX XXXX XXXX advised me that I needed signatures of both my brother and sister by the end of month of XX/XX/XXXX. XXXX XXXX confirmed all of this information with the Loss Mitigation manager in XX/XX/XXXX and sent me an email with in XX/XX/XXXX confirming that modification documentation had been drafted and I would receive them shortly.. 
I obtained all necessary signatures with notary stamps and they received all documentation by XX/XX/XXXX. I also made the new payment of {$750.00} in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me by phone that I was denied by the Loss Mitigation manager and my file had been closed in XX/XX/XXXX. I reconfirmed all of the previous instructions with XXXX XXXX who confirmed the above facts and told me that I had followed all the instructions as requested by Citimortgage and the Loss Mitigation and she was shocked about the outcome and admitted that she even emailed the Loss Mitigation manager who told XXXX XXXX that " she " misread or misunderstood her email. I was also told I would receive a letter with explanation for denial and file closure. I have not received the letter. 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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-02-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC 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 2021-10-07
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Credit obtaining from the dealership with regional acc but got denied

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 2021-01-29
Company: Diverse Funding Associates LLC
State: CA
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:
They actually put this on my credit account and didn't notify me with any paperwork or anything and then refused to provide any documents for retaining my information i never received any notification from this company and the company ( the original creditors are still calling asking for money after selling my information to a collection agency

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: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so my mom flipped out on the phone w/ XXXX XXXX " '' un XXXX '' the state named XXXX and personally if i owned a bank i wouldnt for customer service, i wouldnt have my clients call some other planet where economy is diff, not us dollars money and law just hear me out. and the decisions made that board of directors have no clue and i dont know XXXX about economics law and credit for instance about a momth ago XXXX sent mom a letter stating since you havent used their card for i dont know 45 days were terminate ya acct which doesnt cost them overhead keeping acct open and by cutting a potential profit XXXX ceo would lose their mindZ not over a XXXX dollars but as a XXXX i dont think its good business protocol to cut potential profits and oh ya XXXX eventually tells mom five years ago they used to take a set amt every month but isnt i mean five years to without permission go into someones checking account not tell them not ask them not even the exact amount taken out five years ago. basically XXXX picked a round number hit subtract and put yourselves in moms shoes and out of all the defense exhibits defense counsel may show the jury XXXX aka XXXX decided fove yrs ago they had a deal. thats the diff between XXXX and everyone else XXXX never uses paper currency its numbers on a screen no emotional ties where as XXXX cards by citi bank and banks ots a life situation you have only so much paper currency everyday as XXXX day in a branch of citibank. where XXXX no bank lets say i bought a car on ebay but XXXX lost it in mail so you disute charge where XXXX immediatly freezes that amount until a decision is made XXXX they not only want you to pay for what you never received but they making profit on interest if you dont pay bill now when it takes XXXX XXXX months make decision its your fault they take XXXX months but i didnt get product and thats my fault and am responsible for holy XXXX XXXX and XXXX have insurance for what reason? and you see im sure you hear stories like this everyday but a ) it still goes on and b ) do ya jobs, the checking acct and credit card are two diff accts thst dont know the other exists and c/o the great state of XXXX and XXXX goes but both accts through our company wha you want a XXXX medal? if someone hacks my bank acct and police find out who withdrew funds they get arrested but then here we are. if you have any questions comments or concerns my house number is XXXX and please write me a letter via mail @ XXXX XXXX XXXX XXXX XXXX, newyorkstate 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 2021-10-07
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX, my identity was stolen and a checking account was opened in my name using my information at Huntington Bank. The emails I received appeared to be fraudulent so I ignored them. I was notified on XXXX, by XXXX XXXX, that the account was real and opened, so I contacted Huntington Bank the same day to inform them of the fraud and ask that they close the account. I was told they'd need 30 days to investigate and close the account. 

I've contacted them three times since then, include by mail, to ask if the account was closed and to ask that they provide documentation that the account was closed and I'm not financially responsible for anything related to the account. They refuse to provide an update on the issue and have stated that nobody can tell me when things will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan depot allowed XXXX XXXX who lives at ( not the mortgage in question ) XXXX XXXX XXXX XXXX XXXX IL XXXX to fraudulently obtain a mortgage using ppp funds that she obtained using false documents and even if she didn't obtain the ppp fraudulently it is against PPP rules to purchase real estate with a ppp loan this is fraud. This info was relayed to loan depot and they chose to ignore it making them complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Perfection Collection
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Perfection Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX   This group cost me time and money in XX/XX/XXXX and now I know why! They reported to credit without complying with the law by giving me notice to dispute a debt. 

I received a letter today that this account is reported to my credit. I do not owe this account and did not have a chance to dispute the validity. The letter received today is the first ever communication I have received. 

Creditors should stay away from using this collection company. Perfection Collection will get you sued!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation