BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft.

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 2019-08-21
Company: Experian Information Solutions Inc.
State: SC
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 had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

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 2018-10-02
Company: EQUIFAX, INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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:
I reached out to Experian and the companies listed in this complaint back in XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/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 2019-10-25
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I hae a Citicard, Costco Anywhere card. I have tried on several occasions over the past month to get a replacement statement for XX/XX/XXXX. On each of three occassions they promised to send another one. We never received.it. It became such a problem that a supervisor gave us a XXXX dollar credit on XX/XX/XXXX. As of today we still do not have a statement. They continue to lie about sending one. It seems unfair that they can send tons of promotional material but will not email me a copy. I spoke with them again on XX/XX/XXXX and was told if I setup an online account I could see one there. Exposing my personal information to the internet is not fair either. But I need the statment so I complied. I requested it on Saturday and on Wednesday XX/XX/XXXX it was listed there but i could not open it. I called in again spent over 40 minutes on the phone and demanded it. Once again they said they can not email it they never mailed it and would not credit my account again. Why are they allowed to lie on the phone. Why are they allowed to send unwanted emails but will not send my statement. They couldn't even fax the statement. I was faxed a list of charges but on cover letter they said they can not fax a statement. The fourth lie by a supervisor. What else are they hiding and over charging for?

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 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: ID Analytics, Inc.
State: CA
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 faxed over my neccessary information to sagestream LLC as the representative advised me to do, to put a security freeze on my credit file. I was told once I fax over the documents to the secured fax number they will immediately put the security freeze on my credit file and mail the password to remove the security freeze and I have not received anything in the mail. I am starting to feel highly uncomfortable with sagestream LLC due to the fact that I am a victim of identity theft and I have called and left multiple messages and they refuse to return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts need to be removed XXXX XXXX XXXX XXXXXXXX closed on XX/XX/XXXX XXXX  loan closed account remove account transunion closed accounts auto loan cXXXX XXXX ( it was removed from XXXX i need it removed from transunion and XXXX asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-03-27
Company: CREDIT ACCEPTANCE 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:
The lender continually Twix my account as delinquent when it's paid and continually charge me extra payments cuz they do not keep track even though I show them proof that I paid they continue to give me late payment and charge me extra money.

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 2023-09-19
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
They took money out my account when they was in court. I sent the information to the person in an email told me I would be paid back for the payment never received it. I have had to put stop payments in my bank for Lexington law firm but they come up with another name to take money out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Kehoe Financial Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kehoe Financial Group sent me a debt collection letter for traffic violations in XXXX XXXX stating it occurred in 2019. Theres no way to contest this bogus claim. On top of that they want me to send money to the company directly. Its a scam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SYNCHRONY FINANCIAL
State: NY
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 was monitoring my account when i found this company name in my history I called this company to claim that I never tried to open an account with them. They informed that they can not give much info because account was not approved. I enter to a credit page to do a dispute I also did a thief report. The results came back saying that this account was accurate. Im in process On going to SS office to report that my SS card has been lost for a while. And talk about this issue This is the day somebody use my info SYNCHRONY BANK Inquiry Date : XX/XX/2019

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 2016-04-23
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to NATIONSTAR MORTGAGE in XXXX of 2015. Prior to being sold to NATIONSTAR MORTGAGE my monthly payment was {$640.00}. NATIONSTAR sent notice that my new payment would be {$650.00} however they did not provide any justification for the increase. My payment has now increased to {$750.00} again with no justification. They are constantly calling me and sending junk mail asking me to refinance by they have never provided an escrow statement or justification of the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently looked at my credit report and seen Santander financial showing as closed account/ bad debt with a charge off amount but car was totaled and insurance paid off the the loan, and I had gap insurance coverage insurance was through the general so should not be showing as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred {$2000.00} and {$1800.00} through XXXX Pay to XXXX XXXX for rent and depo at XXXX XXXX XXXX, XXXX CA XXXX. He is not the landlord/owner of the property. I never took possession and requested XXXX 4x get my money back and they refused. Executive complaint # XXXX. XXXX pay refused also to file a complaint. The Police Dept helped me fill out a report but the banks will not return my money. {$3800.00} is 1 1/2 times my monthly salary. I could not meet him in person prior to the transaction as I was moving from XXXX to XXXX. I would like to get my money returned to my account. 

My XXXX acct is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX information is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's a long story but my ex-wife got involved with these XXXX XXXX  running an organized crime deal. Especially with the covid 19 tax programs. They stole and duplicated not just my identity and my deceased families identity. They were able transfer my fico score There's a lot like all of XXXX my social security number didn't show up on my consumer report. Mine ends in XXXX. There was a a XXXX on my report. 
There was an XXXX XXXX, my ex sister in law XXXX ( XXXX ) XXXX, there was my information at the social security office changed. My mother 's name was changed, and many other things like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here in XXXX CA on XXXX XXXX and XXXX XXXX. The are where there's an oil company, car dealership. 
There's a XXXX XXXX, a {$43000.00} loan, the IRS put a lien on some property. Someone not only paid it, but over paid it. 
When I was driven off the road on XXXX I owed XXXX XXXX {$500.00} to retrieve my car. Someone with a tow truck paid the {$500.00} deductible that the bank didn't cover. Then they hauled it off. 
There's a lot!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was paying agreed monthly payments since XXXX, I have receipts. Up until then, I was homeless with no income ; unable to get work. The service was changed ; I continued payments. Yesterday I received a notice from a 3rd collection agency. I had received no notice of this third change. When I called them, they want me to pay {$250.00} a month. I can not afford to pay this amount. When I called Navient, I was told my loans were a charge off since XXXX. So apparently my loan keeps getting sold while I continue to pay each new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Submitted dispute with the three credit reporting agencies back in XX/XX/2019. After more than 30 days later ; after standard verification process, the 3 reporting agencies DELETED incorrectly reported files from their reports. HOWEVER, after receiving notice the verification has been completed and the negative reports had been DELETED from my credit file, now FIVE MONTHS later, EXPERIAN has RE-ENTERED the previously DELETED, incorrect, inaccurate, mis-reported files back onto my credit report.

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 2019-10-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
The gift card has never been used and had a value of {$50.00}. I tried to use the card and it was rejected. I contacted the bank on three separate occasions. After the first call the balance on the card went from {$0.00} to {$8.00}. No determination or further adjustment was made after the two subsequent calls. The changes in the balance were due to non use fees. It is my understanding that these fees are not permitted under California law. The expiration date on the card is XX/XX/23. The card number is XXXX XXXX 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 monetary relief
Consumer complaint received 2017-12-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have multiple inquiries that I 've called XXXX and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX XXXX XXXX that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.

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 2019-08-11
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: Information belongs to someone else

Complaint:
The credit bureaus are reporting erroneous information on my credit file

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