BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
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 : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry 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 XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 1 XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 2 months 9 days 0 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 11 XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 6 years 1 month 7 days 2 XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 1 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 6 years 5 months 1 day 5

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 2022-02-09
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
In XX/XX/XXXX, I purchased a XXXX XXXX truck from the website " XXXX '' and opted to finance my auto loan through Santander bank. The monthly payments were {$500.00} with 10.1 % APR. The paperwork I received was through XXXX, not Santander. 

I was moving from New York to Florida that month, so I was told to register the truck in Florida. I did and ensured all contact information was correct for my Florida address. Several months later, I had moved to Florida, started a new job, and invested a lot of money into my new truck. 

In XXXX, my new employer 's check didn't go through and I could not cover the XX/XX/XXXX payment. I called Santander bank to inform them and they told me that was okay. We agreed that I would make the XXXX and XXXX payments on XX/XX/XXXX. The representative did not tell me this would impact my account status. No further letters, emails, or calls were received. 

The night of XX/XX/XXXX, my truck was in my private parking spot with my {$800.00} kayak in the back. After midnight, a tow truck came and repossessed my vehicle with all of my belongings. When I called the police the next morning thinking my truck had been stolen, it was to my extreme surprise that it had been repossessed, despite what I agreed upon with Santander. 

When I called to work out a payment plan/pay any fees associated, I was told that there was no way to escalate this issue and no options were available to me, besides to pay {$28000.00} within 14 days. I called many times trying to resolve this issue without my credit being destroyed. No one could help, no one could explain why I hadn't gotten correspondence or why I hadn't been offered to voluntarily release my vehicle to the bank. 

Now my truck is going to auction, I have no transportation to my job, I will have had more than {$10000.00} in losses, and my credit will be ruined for years. I have been in Florida for 3 months. Santander bank is practicing predatory auto lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive disputed the two Bankruptcies with Trans union XXXX and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-07-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on this date XX/XX/2019 company I C SYSTEM opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 



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 2017-09-09
Company: EQUIFAX, INC.
State: AK
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a XXXX loan that was only to be paid back if i didn't finish the program. i was unable to finish the program or reenroll. Now I am trying to reenroll and they tell me i have a collection i need to pay from a collection company first. When i called the company they refused to send notification of the debt and said that its XXXX higher then my loan amount. They won't give me an account number or send notification. I need help resolving this as i don't feel i should have to pay this without knowing what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 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 2022-02-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Victoria Secret was opened fraudulent. I'm a victim of identity thief Contact Victoria Secret Credit card about this and told them that I did not open this credit card and would like assistance with this. They would give me the run around and would not help me with this. 
Has now they added XXXX same accounts on my Credit Report with different account numbers but open the same day. 
They have not been very helpful to dispute this and have been very aggressive towards me about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Macys did not follow my address forwarding request with the post office. Every other creditor did. Thus, I never received the Macys XX/XX/2022 bill. Macys marked my credit report 30 days late for XX/XX/2022. Because I never received the {$29.00} Macys bill, I did not know I owed any money. However, I received my other 75 monthly bills for my XXXX small businesses and all my personal bills at the new address. It was no problem for all my other creditors to send a bill to my new address. Macys never sent me a bill. Macys never called me. After learning of this credit mark at my abruptly stopped XXXXXXXX XXXX XXXX XXXX closing, I paid the small due amount and closed the Macys card forever. I still havent been able to close on my mortgage because of this. 

Next, I Contacted the President of Macys, XXXX XXXX who responded to me, but did not correct the problem. He asked his assistant to contact me, XXXX XXXX, but she never returned any of my 10 communications of combined emails and voicemails. Additionally, she just decided left the 30 day late on 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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I Am a federally protected consumer. XXXX was notified of a dispute of account with XXXX XXXX Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/XXXX : Received a letter in mail from XXXX indicating that I requested service from them and they pulled a credit score from Equifax. My score was apparently obtained on XX/XX/XXXX ** No one in our household has ever applied for XXXX. 

With the current chaos at Equifax due to the massive hack, I am unable to obtain my credit report from them. 

Simple web-search indicates that XXXX-Equifax-Unauthorized-Credit-Inquiry has been a persistent problem over many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: MoneyLion Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have recently been a victim of fraud and theft. I have loss over XXXX with my MoneyLion Debit. MoneyLion are claiming that the dispute I processed was authorized by me due to the days apart from the transactions. I have appealed this decision and submitted appropriate documents to show that indeed my wallet with debit information social and account information was stolen. I have also reached out to the merchant for resolution which they were unable to help. I am not left to try and resolve this issue through alternative routes. 

The latest appeal MoneyLion is now saying that they are denying it due to it being in XXXX which is inaccurate they were in XXXX. I fear the longer they take to review appropriately my account and documents the harder it will take for me to recoup my funds back. 

This has caused me to be on the verge of eviction and months behind on bills. I hope MoneyLion reviews my dispute appropriately and resolve this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
Here 's my cleaned up version : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a postcard from CITIZENS BANK stating I would earn {$700.00} if I opened and maintained both a CHECKING ACCOUNT and SAVINGS ACCOUNT as per conditions on that card. I DID SO, having a representative assist me to be sure all I 's and T 's were dotted and crossed correctly. I tried to transfer funds as quickly as possible, but I could NOT due to CITIZENS BANKS 's limits on transfers. I thoroughly followed ALL instructions as I could. NOW, they are refusing to follow through and pay me what they owe me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a contract from XXXX to get a personal loan for XXXX. I gave them my bank ingormation ( Navy Federal Credit Union ) to transfer funds, they wanted to see if my account was in good standards so they sent XXXX in which i was told and have witnesses with me to take money out an send it back by going to XXXX XXXX an purchasing {$490.00} worth of XXXX XXXX cards to send money back. I never received my XXXX. I was calledXX/XX/XXXX by Navy Federal saying my account was compromised by a scammer an that the company made a fraudulent claim to take back my own money from bills i had already payed starting from the XX/XX/XXXX  When i was told on a recorded line from Navy Federal about the activity i told them everything even tried to send the contract off my gmail, he told me they would take care of everything but couldn't receive the funds back. Now today XX/XX/XXXX im getting emails from my lightbill company saying my electricity check for the XX/XX/XXXX has been returned leaving us in the dark an now there is a negative balance in my checking account from Navy Federal saying I owe this money back to them on the XX/XX/XXXXt but was never told to me while i was on the phone the first time that i would have to pay this money back. Im losing both ways an i feel attacked, stupid, and vulnerable at the moment because i needed help with school supplies an clothes for my children. Why wasnt i told at first time talking to fraudulent people fro Navy Federal about this nor giving information on what the scammers took from me. The scammer or XXXX XXXX XXXX phone number is XXXX. Please help me get some better understanding on how this work i talked to people from the bank stating they cant do anymore to help me they wont even do a further i investigation which is why so many of us in the military commit XXXX or dont want to be apart of this country we serve because we put our lives on the line for everyone an cant even get any protection, help or understanding from our fellow people that say they're here to help. Please help me understand why an yes i know i made a XXXX up decision trusting this company but losing twice really hurts my whole family. If theres anything you can do please let me know. My name is XXXX XXXX phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I disputed an account with the credit bureau The account information came back as verified and I have requested proof of verification and not received it. 

The account does not belong to me and if they have information where someone has been allowed an account in my name I need to be provided with the documentation so that I may pursue further action.

Company response to consumer: Closed with explanation