BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
credit card account XXXX XXXX account was closed by creditor and charged off the amount was 250 now reporting as 0 in closed accounts but this collection agency portfolio continually keeps reporting it as open with a balance that is wrong and fraudulent. I have tried to get this removed through dispute on XXXX  only and the collection agency portfolio reset the date illegally on my credit report instead of correcting error and removing the information. I want this false information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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:
Dear Experian/XXXX XXXX  XXXX listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

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 2021-03-27
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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, XXXX, XXXX XXXX TransUnion and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX XXXX, XXXX XXXX TransUnion as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for XXXX of XXXX, XXXX of XXXX cause for injure and loss! 

XXXX  and Transunion will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX for XXXX XXXX dollars for this " negligence ''!

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 2023-11-10
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX My credit was pulled with my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
An XXXX XXXX XXXX through Bank of America was fraudulently created in my name, using my home address, on XXXX XX/XX/2022. I noticed the account on XXXX XX/XX/2022 and contacted Bank of America to close the account and report the fraud. The claim number is XXXX. Bank of America 's fraud department requested that I file a claim of fraud with the FTC, which is what this is. I also contacted XXXX to report the fraud and dispute the account and the hard credit inquiry, on XXXX XXXX. 

The following is all the information on the account that I have. 

Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$0.00} XXXX as of XX/XX/2022 Date opened XX/XX/2022 XXXX XXXX late. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$18000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual

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 2018-02-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This bank is the worst bank ever. They updated their online banking system 2 and a half weeks ago and it still does not work. Their support team is one of the worst! I called and was put on hold for over an hour each time that I called and each time, they were unable to help me. They suggested deleting the app and installing it again and other terrible and time wasting " suggestion '' but they were unable to help me. I didn't know how much money I had in my account nor could I pay for my credit card bill using the online app and I had to go to the branch each time. They have been unreliable for almost 3 weeks. Was on the phone with XXXX XXXX and he told me that he was the highest ranking member in his office but he was unable to do anything to help me. They literally passed me around between different people working there and no one could help me. I am taking my business else where since TD can not manage to run their bank. This is America 's most UNreliable bank. Honestly, I've never felt so helpless when it comes to accessing my own account or money. I am deeply disappointed and there is nothing TD can do to fix this. I honestly think someone should be fired for this stupidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a savings account with Marcus-Goldman Sachs around three weeks ago. I added my son 's account for recurring debit to my account. A week later I tried to sign in and system said it's locked and I should call a number. After calling and spending 30 minutes, they told me that I can not transfer money from any account that is not under my name!!!! And I was like, so why the system accepted it and didn't warn me?!!!! I already added that account to some of my bill payments and now I had to change it. After talking to the supervisor, it seemed I do not have any choice, so they told me that they deleted my son 's account from system. 
10 days later, XXXX in the morning my son called and told me that they withdraw the money from his account!!! and since he has a payments for that day, I should pay him otherwise there will be returned check fees. 
Although I called Marcus and tried to fix it, my complaint is that their system should have warn me that I can't use that kind of account at the first place. Then, when I called and they forced me to delete the account, it should have stopped any recurring debit related to it. It is against privacy of customers too, since they are holding on to an Information that was deleted and using it to transfer the money. I keep the right to sue the bank and this complaint does not prevent me from doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have been going back and forth with XXXX  XXXX XXXX XXXX in regards to a vehicle that has been XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently filed a legitimate dispute on GM Financial on the removal of an old account that was settled after the first late payment over 84-months ago. GM FINANCIAL is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
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: Account status incorrect

Complaint:
Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and Equifax has it showing as account status charged off. I have the right to accurate complete XXXX percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX Equifax and XXXX reports regarding this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXXXXXXXXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Gentlemen! First of all, I did not choose this crooked mortgage Co : my previous mortgage servicer went bankrupt, the government took over the mortgages and gave them to the crooks under the name LoanCare LLC, without asking my opinion or consent. this company charges their customers bogus hidden fees. they charge me {$10.00} every month for making my monthly mortgage payment. they do NOT provide you with any other payment option that would allow you to avoid paying {$10.00}. this is a ripoff : this " fee '' was never disclosed to me nor I ever agreed to pay it. if they charge thousands of client {$10.00} each every month {$10.00}, that will add up to a nice chunk of money for them fordoing nothing, - not too shabby. and what prevents them to turn this {$10.00} bogus fee into a {$50.00} or a {$100.00} bogus fee next month? My account is paid on time before the due date, the representative on the phone was not capable of explaining coherently what the {$10.00} ripoff was for. can you please help me to understand why I am being robbed {$10.00} each month? I am a semi retired senior citizen, I work only 20 hours a week due to my multiple and serious health issues and I am still raising XXXX minor children, I don't have any spare money to give to every crook out there. thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I contacted XXXX XXXX XXXX Mortgage Professional at Mr. Cooper mortgage company about a refinance of current mortgage. After figuring my current income and debt and checking my credit he said I was eligible for a refinance loan. He even told me that he would be able to up gross up my social security income if needed. He told me how much my new loan would be and the interest rate for it. He encouraged me to have an appraisal of my property so that I may be able to eliminate or lower my mortgage insurance payment. That same day I e signed documents, sent income statements and agreed to a credit report. 
XX/XX/XXXX he updated my disclosure information and said they were " ready to move forward ''. He said that I would be contacted by the appraisal company to pay {$460.00} and set up an appointment. 
At no time did he lead me to believe that I would not be approved and that I wouldn't need the appraisal. 
He never told me he had XXXX ( XXXX XXXX XXXX ) findings to approve the loan. 
XX/XX/XXXX I received the form to apply for and pay for the appraisal. 
XX/XX/XXXX XXXX XXXX, loan officer contacted me that she would be completing filling out the forms for the application. 
XX/XX/XXXX & XXXX, XXXX I completed all requests to explain credit reports issues such as why I had inquiries due to my looking for a car loan. All other issues were answered. She had the appraisal information. She never led me to believe that I didn't have enough income or debts that would eliminate me from being able to get the new loan. She said that my loan had been " conditionally approved '' XX/XX/XXXX I received a discloser document that I had been turned down for the refinance loan due to insufficient income to debt and requests to the credit bureau It also said I had " excessive obligations ''. I was devastated by this decision. I only have the mortgage, HOA, small car loan and two credit cards. 
I have contacted XXXX XXXX and XXXX XXXX by email and have gotten no response. I am a XXXX year old widow of a XXXX veteran and feel that they took advantage of me by not telling me from the beginning that I would not qualify for the loan and got {$460.00} from me for an appraisal that I did not need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wells Fargo issued financing at higher rate off credit report .... credit report was supposed entered wrong. Received letter from Wells Fargo with correct credit score. Contacted Wells fargo... they sent out letter just indicating financing was done with correct credit score.

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 2021-01-27
Company: FORD MOTOR CREDIT CO.
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:
On XX/XX/XXXX my dispute was received by Ford Motor Credit, In the dispute, I pointed out many errors on the alleged charged-off account XXXX including but not limited to there being a past due balance on an alleged charged-off account, or the alleged Date of last activity not being furnished on my credit reports. I still did not receive a proper investigation or any response from this alleged creditor When I check the current credit reports the alleged charged-off account still has a balance and past due balance and the same inaccurate payment grids for each bureau that I pointed out in the dispute. This creditor is being insubordinate and I do not want them furnishing data on my report any longer Below I attached the certified mailed dispute that was ignored by the alleged creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 continue to get marketing materials from USAA regarding credit cards and other products even though they continue to deny me access for applying for these products. I was even offered the opportunity to get an employment opportunity with USAA in 2016 that was revoked at the last moment because of a prior balance they said was owed that was charged off. If the amount has been written off as a tax write off why are they still trying to collect the full balance and why am I being mislead to apply for various offers? Why are offers of employment contingent upon payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

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 non-monetary relief