BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX 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 a account without my written instructions

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 2022-09-03
Company: EQUIFAX, INC.
State: KS
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:
, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am requesting you remove this item immediately. The XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer ) -Accounts reported in error-Incorrect Account Number, Account number not consistent with other agency reporting. Account Numbers differ on XXXX and XXXX Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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 information was leaked due to negligent care taken to protect sensitive customer records. As a result I have had at least one fraudulent account opened in my name and now need to check constantly for additional cases of fraud. Equifax failed their duty to customers and this case of gross negligence is absolutely unacceptable for a company of their size and stature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to XXXX XXXX as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received XXXX different letters from XXXX XXXX that they closed XXXX other accounts that were opened in my name. I did call and the fraud department confirmed XXXX other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.

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 2022-03-08
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Old information reappears or never goes away

Complaint:
Equifax is reporting information that was not confirmed valid by me and I demand this account be deleted. Pursuant to Title 15 USC 1681b ( a ) ( 2 ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. If Equifax do not comply, I plan to file litigation! 

The account is listed below : XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with XXXX  ( grocery store ) through Comenity Bank. I have fallen on hard times and have tried to contact them several times in regards to my payments and what I can do during this time. No one has resolved this issue for me. Instead, they have changed the contact numbers on my profile without my permission. They have listed my husband 's telephone number and my sister in law 's telephone number. I have never given them this information. They contact my husband several times a day and leave messages with my information regarding my account. I have sent them a letter as of the XXXX of XXXX to stop contacting all telephone numbers and to only send paper mail from now on. I am not sure where they got these telephone numbers from as I only had my telephone number listed when I started the account. They call from Restricted or Unknown numbers and they weren't leaving messages so that I knew who was calling. Now they call from these numbers and leave messages with my information. They do not call my main telephone number anymore as they have changed the number on my profile without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Old information reappears or never goes away

Complaint:
I have disputed accounts with trans union and asked them to confirm that the accounts theyre reporting are legitimate in the sense that the proof of debt actually exists with proof of itemized invoices or receipts for the services rendered that I am subsequently being charged for. I have yet to see any proof but the company continues to claim that the disputes are resolved but that the consumer disagrees They are in violation of the fair credit reporting act and they are also slandering my name and goodwill status within the community and causing punitive damages stemming from their false reporting habits.

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 2019-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card accounts with same bank were closed for no reason. Their reason being I have too many new accounts. I have never been late to pay my bills and I have over 800 credit XXXX score. I did not have any balance on them. I feel like Im being discriminated against either for my race or for where I live. And lots of people of my same race have the same issue. I have checked with my friends that arent the same race as me and dont have a long and confusing last name like mine none of them are having the same issue. I know % 100 that I am being discriminated against by citi bank. I am XXXX  national.

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 2017-09-08
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to payoff or refinance my student loans. I first called XXXX and requested a 30 day payoff verification document on Friday, XX/XX/XXXX. On Monday XX/XX/XXXX I followed up with a written request for a 30 day payoff verification document. It is now XX/XX/XXXX, and I still have not received this document, which has prevented me from paying my student loan in full or submitting this document in my application to refinance my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts had been opened in my name as well as inquiries, my information has been compromize in recent data beaches, an FTC report had been filed and a police report # XXXX. 
Please block these information from 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 non-monetary relief
Consumer complaint received 2020-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA took all of my money in my accounts and took all the money comming into my account, social security : XXXX retirement : XXXX XXXX XXXX XXXX, for a couple months until I opened a new account. Even after I opened a new account the XXXX XXXX XXXX XXXX continued for a few months wile I figured out I wasn't getting it. 

The problem was identity theft on my mother-in-laws account. She was having trouble a was calling on a regular basis, she even asked for a new card and was told no by USAA employee, this happened for months. USAA then came after my account. After the neglect handling of her account examples : not giving her a new card ; declining to give a new card ; not doing anything about a recurring charge from the same place for the same amount over and over ; not escalating accounts ; saying they are putting notes in the file and nobody can find. 

For what ever reason they closed her account but still continued to take this charge over and over after being told it wasn't legitimate charges. USAA then started to take everything from my account plus anything comming in, all of my direct deposits,. 

USAA has done nothing to fix this. I have called numerous times and have talked to the executive resolution team just told me they will escalate my account after months of waiting why wasn't that done already. The response was the other account was escalated. In other words I'm getting the run around. 

The people involved are my mother- in-law, my wife, me, USAA and the thief. This is hard for me to type out and I'm sure I'm missing a lot of information so get back to me. XXXX taken from me really hurts and who knows what they got from my mother-in-law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CURO Intermediate Holdings
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Was not aware I was covered under the MLA until I spoke with XXXX  a few weeks ago. I have this installment loan and a credit card with XXXX   XXXX. I sent them all my documentation to show I qualified and they are not honoring it. Charging high interest and fees. My husband died on XXXX XXXX. I was not aware I was protected until recently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ARVEST BANK GROUP, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
o whom it may concern, The reason of my dispute is that I do not feel like my credit should be penalized because I was never notified that my payment had gone up from XXXX to XXXX  for the XXXX payment.. After I talk to someone I sent XXXX more and they put it into the escrow instead of putting towards the actual payment. I spoke to someone else on the phone and paid the XXXX with my bank account and then on XX/XX/XXXX I spoke with someone and she told me that my payment was 1947 and I only had sent XXXX so I paid her over the phone the XXXX I already sent an extra XXXX on the XXXX to cover the XXXX. I will attach proof of payment to see what I am talking about. Also the way I found out is because I checked my credit report and that is how I noticed that it was affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Initially tried to remove a fraud alert on my Equifax report online, but was instructed to call in order to verify my identity. No problem. I call, only to be asked questions I really couldn't remember the answer to some of by someone I had an extremely difficult time understanding, and of course, they were unable to verify my identity. So, next I was told I need to fax or mail the requested documents to verify my identity. I sent the requested documents ( copy of license and social ) by fax on XX/XX/19 to verify identity and have alert removed, received a letter dated XX/XX/19 saying they couldn't verify my identity and requesting the exact same documents I sent. I assumed since I faxed them, maybe something wasn't received, so I sent the requested documents and information again, this time by certified mail on XX/XX/19 which they received on XX/XX/19, only to receive the exact same letter requesting the exact same documents, this one dated XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
today I noticed through the free page that provides credit score that Transunion under my credit score without any reason as it provides the information please investigate this erroneous information

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 2017-03-30
Company: GVA Holdings, LLC
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, Transunion and XXXX  did this by mistake there was no excessive use of credit.

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 2022-09-03
Company: Great Western Financial Services, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been applying for a mortgage loan with Great Western and because the student loans are in a transition they are being unfair using that against me. I have been on a payment process pan doing what I am supposed to do prior to all this Covid holds and etc. So because my payment shows XXXX they are attempting to put in their own monthly mortgage payment not believing what is being shown. I have had a terrible time getting documentation from student loan servicing agencies to prove it. This has been an unnecessary stressful process that is out of my control and the mortgage industry needs to find another plan to hold people accountable in regards to their student loans. It feels like I am being targeted in a political war and this company has an issue with what the government is doing with student loans. Why Am I being punished for that? The loan officers are rude. If I was a white male I wouldnt be treated or talked to the way I have been.

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 2017-08-24
Company: CITIBANK, N.A.
State: IL
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 applied for an aadvantage gold credit card with citibank that advertised a promotional offer of 25,000 bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising. This complaint was previously closed despite the fact the company failed to provide documentation of their claims. 

Please reopen this claim and explain why citibank 's response was reason to close it when they provide no documentation to show that they are not in violation of the unfair or deceptive acts or practices Section 5 ( a ) of the FTC Act Upon activation of the card, the citibank representative confirmed I would receive the bonus after meeting the spending requirement. I never received such a bonus, nor did the terms upon application or with the offer I received indicate that I would not be eligible based on the different product I previously had. I disagree with the company 's response and expect them to document proof of their false claims. I am owed the bonus and the company 's actions constitute an unfair or deceptive acts or practices violation. The FTC Act prohibits unfair or deceptive acts or practices. " An act or practice may be found to be unfair where it " causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition. '' A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. " Citibank should be prosecuted for willfully violating this act and failing to make appropriate restitution.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 a account without my written instructions.

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights

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