BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a complaint against XXXX  on XX/XX/2021 because incorrect and outdated negative information was being reported by XXXX  even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that XXXX was factoring a paid collections account into my XXXX XXXX in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped 30 points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- 35 % Credit utilization : 30 % Credit age : 15 % Credit mix : 10 % New credit or inquiries : 10 %. 

Today I received an email from XXXX  regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of XXXX XXXX It goes as follows ; Payment history : 40 % Age and type of credit : 21 % % of credit limit used : 11 % Recent credit : 5 % Available credit : 3 % I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as XXXX XXXX. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This item still appears on my Transunion credit report. The source, XXXX & XXXX XXXX ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

Transunion has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX reported a data breach impacting 145.5 million people. Get up-todate info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP

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 2018-11-17
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a 1 bedroom apartment with the " XXXX by XXXX '' in XXXX XXXX on XXXX XXXX. Mind you I have no evictions on my file, my credit is average due to the amount of recent inquiries by Law school and rental properties in addition to Car lots fraudulently putting inquiries on my profile long after I walked out. The company uses a background check service called Core Logic. Not only did they report a false report as the reason to deny my application but they used false background reasoning to support their argument to further deny me an apartment. I did my own background check after they did it and did not find anything they were claiming to have found. It did not state anything they said and my credit score did not state anything they said as well. They just did not want me to have the apartment and Core logic used its resources fraudulently in order to deny me the apartment.

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 2019-05-22
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a solicitation email from Citi Bank in XXXX of this year to open up a new Citi Rewards Card with a promotional XXXX Bonus Points upon spending {$1000.00} within the 1st 3 months, of which I did spend on the card in XXXX and I did indeed receive the Bonus points on this new card. This 1st Rewards Card was approved and activated in XXXX. 

However, in XXXX I received an additional 2nd offer email from Citi Bank of invitation to open up an additional Rewards Card with the same XXXX Bonus Points Promotional Offer also included in this 2nd email. I clicked the OK and was also approved for a 2nd Citi Rewards Cards with the same documented promotion. I was approved, received, and started using this 2nd card in XXXX and achieved the spending {$1000.00} in XXXX which qualified me for the this card 's XXXX Bonus Points. I did not though get the Bonus Points on the 2nd card in a timely fashion, so I called Citi Bank on XX/XX/XXXX at XXXX ; Rep XXXX told me that " I achieved the {$1000.00} on XX/XX/XXXX and that " I would indeed get my Bonus Points for that 2nd card in 4 weeks '', but I didn't get them? So I called Citi back on XX/XX/XXXX at XXXX and the Rep told me that she would put in a request and I would here in 2 days, however I have not heard back like she promised, nor have I gotten the XXXX points on this card as promised either. This was contractual and I spend the {$1000.00} in consideration, please force them to make good and reciprocate on their offered XXXX Bonus points as was included in their solicitation. Thank You, 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 2021-11-05
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am XXXX XXXX of XXXX XXXX XXXX, XXXX, fl XXXX. Email XXXX. Phone # XXXX. 

On XX/XX/XXXX of this year an unknown person went to my local post office and fraudulently submitted mail forwarding from my home to : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX On the same day an account with Capital One was opened in my name. I have never had, do not have, nor have I ever applied for any product with Capital One. 

On XX/XX/XXXX, Capital One contacted me via letter requesting further information about what they claimed was my application, funny, perhaps they have should done that before they gave up {$32000.00} and ruined by credit, and created distrees, anxiety, and massive inconvenience, affecting my personal and professional life. I learned that someone opened this account and charged over {$32000.00} to it. No payments were ever made. 

My credit score has dropped over 200 points. 

Capital One has promised to resolve the issue but it still appears on my credit. They have been very difficult to work with. I cant understand how they would give so much money out in my name without bothering to confirm my identity thoroughly. 

Capital One case # for account ending in XXXX, case # XXXX XXXX XXXX XXXX What can I do to resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TOYOTA MOTOR CREDIT 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: Account status incorrect

Complaint:
XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
had an account through Chime Bank and my card was stolen. I lost over XXXX of my stimulus check, I filled a dispute and was not given anytime to send in my claim form. They never sent it to me until I had to call them and remind them. 

I was told I had time to get it in and the next day they denied me. They never received any of my responses or evidence and would not send me any Information the investigation and closed my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, Bank of America issue a temporary debit card from my account to a person that I have never met. At the same time, the bank allowed this person to chose his own PIN and increased ATM withdraw limit. Immediately this person withdrew {$2400.00} from my account {$800.00} at a time, from ATM # XXXX, # XXXX and # XXXX. 

I received a text message stating my withdraw limit was increase and I immediately called Bank of America to report the fraud. The fraud was reported on XX/XX/XXXX. As of today XX/XX/XXXX, the fraud case is still in research and no provisional credit was received. I have called multiple times to inquire the process, the associate always state that they will escalate. However, nothing happens after that. 

I am shocked that a person I have never met in my life was able to convince Bank of America to issue him or her a debit card from my account. I placed my trust with Bank of America for years and it is disappointing the way they handle my fraud case.

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 2018-11-17
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A representative from Southwest Recovery Services ( XXXX ) attempted to contact my spouse repeatedly over an alleged contractual debt for martial arts classes from XXXX XXXX XXXX ( XXXX, Texas ). I called SRS to inquire and was told my Spouse owed {$840.00} for cancelling her agreement with XXXX. I asked them to mail me a copy of any contracts or agreements signed by my spouse and they refused, they then said they would email me the agreements in 5 minutes which they failed to do even hours later. Additionally, I said that I was questioning the validity of the debt and the Representative from SRS said that I couldn't do that and owed the debt on behalf of my spouse. I was told that if I didn't pay the debt they would ruin my credit by reporting to the agencies and they had my social security number. They did know the last 4 digits of my social ... I asked how they got my social and they would not tell me, I didn't give it to them and neither did my wife. I asked them repeatedly to tell me where they got my social security number and they got very defensive. I said I would report them to CFPB and they hung up on me. This really concerns me that a XXXX XXXX agency can ascertain a private citizens SSN without consent. I am really worried that if I don't just may them {$840.00} immediately they will report negative information to the agencies. I don't know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My brothers information is being shown on my credit report and his name is being used on my social security number

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 2018-06-18
Company: ALLY FINANCIAL INC.
State: NJ
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:
Account paid in FULL via phone with Ally Bank : Tuesday XX/XX/XXXX. 
Ally bank can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 Ally Bank representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with Ally Bank. Recently spoke to ally bank regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with Ally Bank to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will  work with me. 
Please note : Married Name : XXXX XXXX XXXX EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: Account status incorrect

Complaint:
I wrote a letter to Experian Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.

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 2020-09-08
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. The specific account in my file is still erroneous and incorrect I need it verified immediately. 
Here is the account that needs verification : XXXX XXXX XXXX XXXX... Balance : {$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 2018-11-17
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am unemployed for several months now. I have informed the company about my situation monthly. All they are were worry about is when I will make a payment. You are x days past due so when can you make a payment. I just told you I was unemployed and I send what I can. They did not offer no long term solution to help at all. 
I am having a financial hardship at this time but they do not have a program to help out. This is very disturbing to me. 
During the week of XX/XX/XXXX - XXXX, XXXX, the vehicle was repossessed. I was very upset about the situation. I called the lender and ask how much to get my vehicle and they told me {$3100.00}. I could not believe this to accumulate more fees to someone that is unemployed. I have had this loan since XXXX and been paying what is due. You should know something was wrong if the payments were not getting paid in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no idea what this loan is about. Please remove from my credit as I did not do a joint account with no one for XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: RSI Enterprises, Inc.
State: CA
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:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

RSI ENTERPRISES-RSIMD, Account # XXXX, Date Opened XX/XX/XXXX- Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXXXXXXXX has violated 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 an account without my written instruction.

Company response to consumer: Closed with explanation