BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
On XX/XX/2021 a hard inquiry was posted to my XXXX credit report from CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by CBNA and they have confirmed this was not initiated by them. I have contacted XXXX who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why CBNA would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.

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 2022-05-06
Company: EQUIFAX, 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:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Financial Credit Service, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Complaint against ARA associates Phone numbers : XXXX ( XXXX ) XXXX Contact XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Above is the company and associated phone numbersthat harassed me about a false debt toda XXXX/XXXX/XXXX. This morning I received a call from an unknown number claiming to be a locator for legal action being pursued against me and left the last XXXX digits of my social security number on the voicemail. This same person also called my mother and my sister with the same message ( but pertaining to me and them being a witness ). I called the number back and a man named XXXX XXXX answered saying I took out a payday loan in " either XX/XX/XXXX or XX/XX/XXXX '' and the bank I borrowed from was pursuing legal action against me for check fraud. I never took out a payday loan and nor did I write checks for a lender. They claimed it was from my XXXX XXXX XXXX account that I had closed in XX/XX/XXXX. I contacted that bank immediately to verify this and they said there had been no attempt to cash checks nor was there any attempt to collect on my account. I called the number back to tell them this and he told me that they were going to pursue action against me if I did n't pay today. I was pretty sure this was a scam at this point, but still a little shaken up. I had confirmed through a number of online resources and through my own logic ( my credit is good and it 's been checked a number of times over the past several years- an outstanding loan would have been brought to my attention way before ) that this was a scam and I decided to just ignore it and report the issue later. At around XXXX today I received another call from an unknown number with the name " XXXX XXXX '' stating to be a officer of my county court and that my information was being processed and I would be served with papers at my current employer and home tomorrow. I could prevent this by voluntarily settling with the company. I immediately contacted my county court to see if this was valid. I had no hits in the system nor was anything " processing '' against me. Clearly this is a scam, and when I looked up the second number given to me there were many more hits of fraudulent debt collecting- nearly identical to what I had dealt with today. There really needs to be serious action taken against this harassment especially since this scam is intimidating and cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EZCORP, INC.
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call this morning from a " XXXX XXXX '' with XXXX about a debt I supposedly have with EZ Money. When he called and tried to verify who I was, they had the wrong SSN, employment information, and flat out refused to verify the validity of the debt stating that it was not his concern or responsibility. He also refused to give me any contact information other than his name and company he was with. The only information he provided was an estimated date of when the loan was taken out and who it was with. When speaking to him, he threatened criminal charges and possibly jail.When trying to verify the debt, he became very agitated and loud- he began yelling at me. I advised him to serve me and cease all phone communication with me or any of my references they XXXX have contact information for. Shortly after, he called my mom and would only provide a phone number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Today I received a letter from Progressive Management Systems in XXXX XXXX, CA for their account XXXX stating I did not pay a {$100.00} bill. I immediately called and XXXX stated it was for a co-pay of {$100.00} for a XXXX XXXX, 2016 XXXX bill. I asked her if this had be reported to my credit report as I did not want this to effect my credit report and she said if I resolved it with in 30 days it would not report to my credit report. I told her I never got five notices from XXXX and I will check my receipts and call back. I searched my receipts and check book and only found two letters XXXX sent me asking if this XXXX visit was for an XXXX but no invoices were ever sent by XXXX to me. I called back and spoke to XXXX to pay it. After I gave her my XXXX and paid the {$100.00} bill I confirmed that this was paid and resolved and not showing on by credit report. She said if I dispute it to them they must report it to the credit report. I told her I am paying it and I was told if I paid it immediately it would not show on my credit report as I have excellent credit. XXXX and XXXX both lied to me to get me to pay this bill and then after they had my XXXX and I paid it then they said it would be reported. I told them I should be able to state the fact that their client has poor procedures and billing processes and that I never got even one invoice from XXXX. XXXX continued to tell me that even if I paid it the same day I got the notice it would go on my credit report. I do not feel it is right for them to misrepresent or lie to me and then report this account to my credit report after I paid it immediately. I owned a XXXX for 30 years and find their behavior unethical and misleading to consumers. These types of agencies should be put out of business and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: IN
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi, I have a problem. I work in XXXX. The company gave me a bank card for my deposits. It's called " shylight ONE. '' They hacked my account and made withdrawals from my account. cash withdrawals and it is not like that I have the history if you could help me I would greatly appreciate it it was in the month of XX/XX/2021 what they did was unfair Total {$2300.00}

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 2023-02-23
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/2023 I wrote Letters to all three credit bureaus telling them that my personal information has incorrect addresses phone numbers and names I even seen my little sisters name listed on my credit report. I told them to remove and I gave a list of my correct addresses name phone and phone number and the information is still listed as accurate and mine also the ssi numbers are wrong I am being ignored and need help with this investigation I didnt give them consent to put that information out there

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 2022-05-06
Company: EQUIFAX, INC.
State: TN
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:
INFORMATION WAS LISTED ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: AMERISAVE MORTGAGE CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Early month of XXXX, we stepped in the market to refinance our rental property. An offer from Amerisave of 2.7 % Interest rate, 15 Years term, got us interested. On XX/XX/2020 we decided to move forward with Amerisave and formally applied through https : //apply.amerisave.com/login with the assistance of an Amerisave Loan Originator. We complied and submitted to Amerisave all request for meeting, documents and informations. Eventually, at the end of intake, as I reviewed the Loan Estimate and Disclosure, they maid us paid the Appraisal Cost of XXXX XXXX which they said will be returned/creditted back upon closing. 

We received another copy of Disclosure and Loan Estimate on XX/XX/XXXX, same information with the initial Disclosure on XX/XX/XXXX. They also made as signed the rate Lock-In Agreement, which is to protect Applicants for any changes in the market. 

On XX/XX/2020, we received another Disclosure with totally different numbers. The interest rate has gone up to 3.25 %, and so as the loan amount from {$120000.00} to {$120000.00}. Everything gone up. They provided us reasons for the change. One is that the type of property is a condo and, not a townhouse. 

I sent out a letter to Amerisave Loan Originator regarding our concern and request. We hoped to update the loan estimate and, eventually, lower the loan amount, but failed to get a satisfactory response, instead, we were asked to either move on or cancel our application. We decided to cancel. 

We believe and feel, that we have been a victim of Bait and Switch. We could have avoided the cost of Appraisal paid to them, if Amerisave reviewed our applications and disclosure properly. This is unfair to us. After we cancelled, I sent an email to Loan Originator, formally cancelling our application and requested a refund of {$470.00} for the cost of Appraisal. We cited our reasons in the letter.. Likewise, a copy of Letter was uploaded to our online application account on XX/XX/2020. Also emailed XXXX of our concern/complain, and attached a copy of cancellation letter and refund request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I had made arrangements with two credit card companies during the Covid Pandemic in XX/XX/2020. However, the missed payments are coming up on all three credit bureaus. I have contacted the credit card companies and the credit bureaus. The dispute was " resolved '' but not in my favor. The payments are still on my credit reports. The credit cards companies are Capital One and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: TN
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:
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXXXXXX XX/XX/13 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Self Financial 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 This account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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:
This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX  XXXX XX/XX/13 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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Process began for refinance with XXXX XXXX XXXX late XX/XX/2021, it is now late XX/XX/2021 and no progress has been made. I have had three different processors working on this file and each person ask for the same information that has been uploaded to their portal. Furthermore each piece of information requested has been supplied and then another document is requested. The lack of consistency and clarity has made this experience horrible. 

The process has taken so long that my original Termite inspection has expired and I had to get a subsequent inspection completed. 

The company realized that the file was sitting up and has assigned this to a Task Force Processor which has been on the case for a month or so. This latest processor is where the lack of clarity comment enters. Its the bread crumb effect that has ruined the entire process. The bread crumb effect, is where the customer provides a requested document and then another request comes followed by another and the trail never ends. The constant response is the Underwriter, well I havent had this much of an issue when I made the purchase. I want a cash out refinance.

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