BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX 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 hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: Bread Financial Holdings, Inc.
State: TN
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:
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a XXXX XXXX that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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 is XXXX 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 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CITICARDS CBNA XXXX Date opened XX/XX/2016 Balance : {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: World Omni Financial Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I financed a XXXX XXXX XXXX  XXXX from XXXX  XXXX off XXXX XXXX in XXXX XXXX, SC. Part of my finance package is free oil changes with XXXX power train and 7 year engine warranty. I bring my XXXX XXXX  XXXX in to the dealership garage for oil changes, I have realized that XXXX has been stealing parts off my vehicle, some parts are just not on the car and some parts are swapped out with old XXXX parts. A lot of parts/ components are missing now. My fuel line is a open system. To many missing parts to lists. I was thrown off XXXX XXXX property and told to call an attorney. Toyota finance said they can not uphold the warranty that XXXX XXXX agreed to. Which is a contract breach. The dealership is not fit to service the vehicle and I need an oil change now and my car back too. Toyota finance says the dealership has the title. I need the title, and a new car. Now. Please do the right thing. XXXX denied my claim, terminated my policy, threw me off their property and told me Im not their customer. I told StateFarm I need my coverage payments returned and XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX threatened to XXXX me off the property. Please kill two birds with one stone here ... Both parties are atrocious and need to be brought to correction. Please sue their pants off. Now. Please respond by email to XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report :XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ;XX/XX/XXXX XXXX Balance : {$5400.00} ;XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: PA
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 data was breached that Equifax was supposed to be protecting. In fact I have never given equifax the expressed written consent to use or furnish my personal information. I am not sure what gave them the authority to do so. I want to be compensated for my personal information being compromised in the amount of {$50000.00} and free credit monitoring services for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with a manager by the name of XXXX XXXX, of Carter and Young Inc. I requested verification of signed rental agreement for I am unaware of the debt. He sent me a contract via email that has no initials and signatures, XX/XX/2018. Upon request, this documentation can be provided in its entirety. But, I did attach a page that has no signatures. In addition, he could not verify my personal information or contact information- phone number/mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Premier Portfolio Group
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have now received 2 calls from a " XXXX XXXX '' ( sp ) from a number I 've determined to be " Premier Portfolio Group '' who says they have " documentation '' in their office " pertaining to my name and social security number ''. They ask me to call back on a totally different number of XXXX. There are numerous reports of Premier Portfolio Group claiming to have payday loan debts and threatening action - I have called the only place I have ever had a payday loan and confirmed i have nothing outstanding and the last loan i 'd ever had was closed in good order in 2012 and confirmed there have not been any checks presented in my name. I have no outstanding bad debts or negative reports on my credit. They have also called a close friend of mine repeating the same information that they " have documentation in their office '' and i have no idea how they would ever have his number or why they 'd call someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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:
A judgement is on my credit report for XXXX case number is XXXX I have disputed this account. This judgement does not belong to 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 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$10000.00}, {$4500.00}, {$0.00}, {$10000.00}, {$22000.00}, {$0.00}, {$19000.00}, {$0.00}, {$35000.00}, {$13000.00}, {$12000.00}, {$25000.00}, {$23000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- PERSONAL LOANS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received both email and snail mail from Citi Card saying if I applied for a credit card from them before certain date, and spent at least {$3000.00} within first 3 months of the opening the account. They would give me XXXX XXXX XXXX miles. On XX/XX/2017, I applied the credit card online and used the promotion code in the mail that they sent to me. I got approved immediately. I received a confirmation mail and the physical card about a week letter. I started to use the card. However, today ( XX/XX/XXXX ) I called Citi card, and I was shocked to learn that Citi Card said I am not eligible for the promotion they promised to me because I had a closed credit card account with them within last 24 months. They said this was noted in my account on the day that they approved my application ( XX/XX/XXXX ). I asked them to show me where I could locate that note, and I was told the note can only be seen on their side not my side. The lady I talked with on the phone whose name is XXXX admitted that Citi could emphases the 24-month condition in the email or snail mail they sent to me before my application or even after I received the card, they still could notify me this, but they did not. Unfortunately, I applied the card online and there was some disclosure online about this ( which I did not recall to read it at all ) when I did the online application, therefore they can not give me the XXXX miles. I really believe Citi Card intentionally misled me, had I read any information in the email/mail or online about that 24-month condition, I would have not applied for that credit card, nor had have used that card as much as I can to reach my {$3000.00}. They could emphases that I should spend {$3000.00} within first 3 months in the email/mail, why ca n't they put all the conditions together so that I could be fully clearly informed? How could they miss such information that is so important for me to help me to make my decision? As a big company like Citi, it seems they must have done a lot of same sneaky tricks to our customers before. And they must have received a lot of this kind of complaints. XXXX seemed did not care at all when I told her that I would file a complaint about them. And she seemed immediately found the way to tell me what was the reason that they would not give that promotion.

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 2022-09-15
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:
I CALLED ALL THREE CREDIT BUREAU 'S I'VE CONFIRMED WITH THEM THAT THE ACCOUNTS HAVE BEEN PAID AND CLOSED.. THEY CONFIRMED THAT AS WELL.. THEY TOLD ME TO CALL THE CREDITOR ABOUT IT..THEY TOLD ME THEY'D UPDATE THE ACCOUNT AND REPORT TO THE CREDIT BUREAU 'S THAT EVERYTHING IS PAID ON TIME AND NO MISSED PAYMENTS.

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 2022-08-04
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amerifiniancial Solutions Medical debt XXXX They did not reached out to me about this debt when I finally got in contact with them about this debt and asked for validation of the debt they couldnt give me any information and still didnt send me anything about this debt but is still reporting even after I tried to dispute it on mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has charged me overdraft fees for transactions that appear from the day before, that does n't show up until the next day, but have yesterday 's date on them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I sent an international transfer of {$230.00} to a person in The XXXX I have been sending to for almost 5 years straight. Nothing changed on either end as far as bank accounts, names, etc. 

On XX/XX/2022, Moneygram notified me that the transaction was in progress. 

On XX/XX/2022, Moneygram notified me that the transaction had been sent I checked with the recipient on XX/XX/XXXX, and she had not received the money. I checked with her again on XX/XX/XXXX and she still had not received the money. I looked online in my Moneygram account and it said " Additional Info Needed '' which had never happened before. I checked my bank account and the money had been withdrawn on XX/XX/2022, and was being held by Moneygram. 

On XX/XX/2022, I called Moneygram. I spoke to XXXX CSRs that day. The first XXXX told me something was missing, and the last one told me it was a technical error. He said it was sent to IT for a resolution and to wait XXXX hours. And that he would escalate it. 

I waited XXXX hours and checked with the recipient. No money. On XX/XX/2022, I called Moneygram again. I was told, again, that it was a technical error and was in IT. And to wait another XXXX hours. I asked for a refund so I could re-send, and informed them that they were just holding my money, and they said no. 

I waited another XXXX hours. No change. On XX/XX/2022, I called Moneygram again. The first CSR insisted something was missing that needed validation. I explained that I have been told repeatedly it's a technical issue. She transferred me after saying she could not resolve the issue. The next CSR told me it was a technical issue in IT and to wait XXXX hours. I asked for a refund, and he said no. I asked for an XXXX on this getting fixed, and he said I would just have to wait XXXX hours and call back. I explained, again, the urgency of getting this money to the recipient. She is sick and needs to see a doctor. He just said sorry, and to wait XXXX hours, and he would escalate ( which had already been tried ). I asked again for a refund and he said sorry, they can not give me a refund. I told them they can not just hold my money indefinitely, and he said he agrees but he can not give me a refund. And I'll just have to call back in XXXX hours. 

As I told the CSR, I can not just have them continue to hold my money and tell me to call back every XXXX hours, and also refuse me a refund so I can re-send the money. I am at a loss as to how to either get my recipient her money, or get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Earm LLC
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:
XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX {$6200.00} XXXX XXXX XXXX  XX/XX/XXXX {$130.00} XXXX XXXX   XXXX  XX/XX/XXXX {$87.00} XXXX XX/XX/XXXX {$930.00}

Company response to consumer: Untimely response
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
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:
Experian and XXXX are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, Experian and XXXX is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.

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