BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX provides me with XXXX and other medical products and services. I am covered by medicare and I carry a medicare supplement to cover all co-pays, etc. I am XXXX % insured. XXXX claims unpaid balances from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They never asked me for payment. My first notice of this was thru the collection agency letter ( attached ) which arrived on XX/XX/XXXX. State Collection infers the possibility of referring my name to a credit bureau if I do not pay these amounts. I have spoken to Medicare and found that the only XX/XX/XXXX claim was paid in full on XXXX/XXXX/2014 and forwarded to XXXX XXXX XXXX XXXX for payment of the patient responsibility portion. XXXX claims that the XX/XX/XXXX and the XX/XX/XXXX bills were duplicate billings and were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I received a student loan from Discover. I was notified that my bill was due in mid-XXXX and I told them I would be unable to pay until the end of XXXX, at which time I would also cover XXXX 's bill. They seemed understanding until I started receiving multiple daily calls from them. I called back, reiterating my previous statement of being unable to pay for a month. The calls are relentless and at this point I have received over 100 phone calls in less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MY CITIBANK CHECKING & SAVINGS ACCOUNT WAS CLOSED FOR UNKNOWN REASON ON XX/XX/2020. THEY ARE HOLDING OVER {$1300.00} OF MINE. THEY SAID I HAVE TO WAIT UNTIL INVESTIGATION IS OVER WHICH CAN TAKE UP TO 60 DAYS AND I NEED MY MONEY ITS COVID19. THEY EVEN SAID I CANT RETRIEVE IT FROM A BRANCH WHICH I NEVER HEARD OF SUCH POLICY BEFORE. AND I HAD NO FRAUD ACTIVITY GOING WHATSOVER. MY SBA LOAN FUNDS WERE ALSO SENT AND IS JUST SITTING THERE. PLEASE HELP

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 2016-10-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has not properly investigated my credit report regarding the status of student loans being reported. I have disputed multiple times that the accounts should not have been included in bankruptcy as they are not dischargeable. My bankruptcy case is closed and yet they have failed to update my XXXX student loans held by XXXX as active current accounts. They have never been late but they refuse to correct the information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was speaking with Quicken Loans about requirements for a Mortgage Loan, and did not authorize a credit inquiry. However, my credit report was ran without my approval. I consider this fraud and identity theft. I then called back to ask why they did that, and was told by XXXX XXXX of Quicken Loans that they had 'permissible purpose ' if they had my social security number and date of birth. I told them that if anyone had my info they still needed my approval to do anything with it,. I would like to report this agency as willfully misusing my identity and would like to press criminal charges and file a civil lawsuit against Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
XX/XX/XXXX, I applied for a balance transfer with American Express. I opened a new card, an American Express Blue card and transferred the balance. It was a no interest if paid within 15 months balance. They charged a fee, which is common. What is not common is that they are charging me interest on the fee every month. I 've transferred balances to other companies many times in the past and they never charge interest for their fees or the transfer until the stated time period is up ( 12 months, 15 months, 18 months ). I contacted American Express about this last month and they said that I should just send them a check for the fee and that would stop the interest. I explained that it was n't possible to do that because they would n't apply the money to the only the fee. 
I 'm not sure if this is illegal because they did say no interest for 15 months, but it should be illegal and I wanted to report it just in case. As soon as I can pay this off or my 15 months is up, I am closing this account and not working with American Express again. 
thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem getting your free annual credit report

Complaint:
I have not been able to get my credit report i have attached a copy of 2 bills a credit card statement and a Bank Statement. and copy of my ID

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 2020-08-12
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX  assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault I had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-08-19
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-01-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I applied for the Amercian Express card. I have charged XXXX dollars on the card. Because of a bad service I decided to cancel card after couple of weeks. I cut the american express card. When I received the bill and wanted to pay it through bill pay, American Express bill did not have the full account number. I called and requested that my account number be sent to my home address on record after answering all the security questions. American Express refused and insisted on getting my own financial information over the phone. I am not comfortable giving my bank information to a customer service rep who might be in a different country. 
I am concerned that not paying the bill on time will affect my credit history which is excellent. I just need the account number to pay the bill and they are refusing. All other major credit card companies have the account number of the bill. I do n't understand the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Westlake Finical has repo my car twice between XX/XX/XXXX and XX/XX/XXXX. Both time the repo places have messed up my car and stolen things out of it. My car company wont help me out they say that its not this problem when I ask them for a number to report damages to they give me fake numbers and Im really fed up with them and want to see what I can do to report and help for the. Damages caused

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.

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 2016-10-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
On XX/XX/2016, I attempted to pay my credit card bill online. The Closing date on the account was XX/XX/2016. Online, I was told that there were " technical difficulties '' and I could try later. XX/XX/XXXX and XX/XX/XXXX are XXXX holidays so I can not " try later ''. I talked to Customer Service via " Chat '' who repeated that there were " technical difficulties '' and I should try later. I repeatedly asked if there was another way I could pay and did not receive a response to my question. I telephoned and the voice mail system was likewise malfunctioning. I should not have to pay late fees and interest if the Bank makes it impossible for me to pay my bill

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 2016-11-21
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a second loan on my home with Discover Home Loans. During the process I was told there was a pending lawsuit against my property which Discover identified during a title search. After receiving the information, I conducted a county records search, and a title search with XXXX XXXX but my title showed it was clear of any pending liens. Discover Home Loans denied my loan based on the pending lawsuit " XXXX '' on my property, but there is no XXXX. I asked for the information used to deny my loan but was told I was n't entitled to it, although I believe I am entitled to information used to deny my loan. Discover Home Loans has refused any further communication with me. It should be noted that the pending lawsuit case number given to me by Discover Home Loan is a civil suit filed by a citizen against me and several other law enforcement managers with no tie to the incident being brought to court. County Council believes the lawsuit to be frivolous and vexatious as the managers listed in the suit where only identified due to being listed on a webpage. While the lawsuit is public record which is most likely how Discover Home Loans identified it, it is not attached to my property as a lis pendens. I have attached my correspondence with Discover Home Loan for reference, as well as the law suit filing. My goal for this complaint is to receive the documentation used to deny my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 @ XXXX - I received an email stating that a Capital One 360 Checking and Savings account had been opened in my name. I also received emails stating the my phone number and email address had changed on the account. I did not authorize the opening of these accounts. 
XX/XX/2022 @ XXXX - I called Capital One to close the accounts. They assisted with the closure of the accounts but could not give me any additional information about the phone number or addresses provided on the account. They also mentioned that they would send a letter to the address on file stating the accounts were closed. I did not provide them an address so they most likely had the fraudsters address. 
XX/XX/2022 @ XXXX - I called Capital One to confirm closure of the accounts. I provided personal information and they were unable to confirm and said I needed to leave a message with the case review team. 

At this point I am very concerned that the accounts may still be open with Capital One and that other accounts might be trying to be opened in my name at other institutions. Please let me know my next steps to protect my identity. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway. 
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this? 
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.

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