BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Target Credit Card was charged off at {$580.00}. I have not received any debt validation letters or anything verifying that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing these account with XXXX, Transunion and XXXX  for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}

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 2017-03-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
In XX/XX/2016, I initiated a balance transfer from my credit card with XXXX to a new credit card with Chase Slate. A balance appeared on the new account of about {$3000.00}, but did not disappear from my XXXX card. Ever since XX/XX/2016, I have been making payments on both credit cards AND accruing interest on my XXXX card despite contacting both companies to try and resolve the issue. 

In XX/XX/XXXX, XXXX claimed they never received payment from Chase Slate. Chase claimed they had made the payment, but that the account number they sent it to was incorrect ( a debit account instead of a credit card ) and had therefore been declined. So although my online account at Chase still showed a balance of ~ {$2000.00} ( I make a {$300.00} payment to the card monthly ), they claim that at that point I did not owe them any money. They also claim that at that point, they REFUNDED the original amount of {$3000.00} to my checking account at XXXX, however there is no record of that amount landing in any of my accounts on or around XX/XX/2016 ( which is when they claim it was sent ). It is unclear whether that {$3000.00} includes payments I made on the Chase card in the meantime, or not. Chase can not provide me with the account number that they DID send the money to, though as of today they have sent me a snail mail letter which they THINK might have the account number on it for my reference. 

Since XX/XX/2016, I have paid {$850.00} in minimum payments and interest to the XXXX card I intended to close, AND paid {$2700.00} ( {$300.00} every month for 9 months ) toward the Chase Slate card that I APPARENTLY DID N'T OWE ANY MONEY TO (??? ) although the balance still appears on my online Chase Slate account. 

I am officially baffled and I do n't know what to do next. All I want is to have the money I was n't supposed to owe be returned to me, and to close both credit cards ( which will require another balance transfer to a yet-to-be-determined third party ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Genesis Lending
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
2009 XXXX XXXX, XXXX XXXX Thursday of every month I got pulled from class to get a new loan for my living and tuition expenses. I was at XXXX for one year and if I did n't go to sign the papers for my new loan every month I would n't be able to continue my classes to XXXX. I missed out on important class information and had to make them up on my own time. Homework and other hands on tasks became more difficult to accomplish if I did n't make up the lost time going to sign loan papers. I was told a rough amount that my school loan would be. About {$15000.00}. I started paying {$120.00} a month for my loan agreement then Genesis Lending increased it to {$190.00}. I called to ask why the increase in payment amount each month. I was told they saw i had a higher income so they adjusted the payment accordingly. Is that legal? I 've been paying this amount for 6 years and still owe {$13000.00}. I called Genesis Lending and come to find out they have been rolling over all the interest I pay on the loan every year. So all I 'm paying is interest basically for the last 6 years. I do n't think I 'm being treated fairly or legally.

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 2017-10-11
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am being accused of owing a car loan in the amount of {$17000.00} with Kia Motor Finance that I am not aware of! This has happen to me before where someone had gotten a vehicle in my name. I have been a victim of identity theft since 2004. This account was fraudulently open in my name. Now there is a repossession on my credit which is causing so much damage on my credit. I have tried to dispute this issue for months and this is still hindering my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
While attending XXXX University I was denied federal student grants that i had previously been granted. The next semester I was told I did n't make the deadline for turning the paperwork in even though the paperwork had been continuously sent back for missing information which I had already provided several times. I was forced to apply for a loan with ACS, which totaled XXXX to accommodate the XXXX semesters dues. I was advised by financial aid that i had exhausted my borrowers limit with ACS and I was forced to apply for a private loan and in order to continue my education I took out THIS private loan from XXXX XXXX, the following semester I was denied student loans and was told I did n't fall in the income bracket to receive aid although my fathers income had not changed and my mother did n't work and I have XXXX sisters XXXX of which were claimed by my parents. The total private loan borrowed from XXXX XXXX XXXX was around XXXX dollars. I am XXXX years old today and I have struggled working XXXX and XXXX jobs to pay XXXX school loans with XXXX and ACS since XX/XX/XXXX after my graduation. I have successfully paid in full my XXXX loan in the amount of {$3800.00}. Currently I am struggling to pay my monthly dues of XXXX with XXXX XXXX XXXX. In 2014 I paid {$440.00} in interest fees FOR MY XXXX loan alone. I currently owe more than XXXX dollars to XXXX for the semesters at school which Federal Aid was denied to me for no reason which was valid or my fault. I am struggling and can not afford my bills any longer what can I do. How can I get relief from my financial education debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.

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 2017-10-11
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In accordance with the XXXX District Court of XXXX XXXX, MI dated XX/XX/2017.
Please send me a list of all the Class action court orders against Discover along with the amount that you were ordered to pay all cardholders. This needs to include all Federal, state and local court orders! Send it to XXXX XXXX XXXX, XXXX, MI XXXX Thanks XXXX XXXX XXXX I have sent Discover and their lawyers this letter 3 times with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a letter to LVNV FUNDING about a alleged debt of XXXX that i do not owe nor have relations with. please assist me in this matter of handling this inaccurate information reporting falsely on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CITIBANK, N.A.
State: MD
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 did nice balance transfer offer w/ Citi about yr ago.

A few months back, was mailed limited offer of 5 % rebate on car rental/gas/hotels ending XX/XX/XXXX. While activating asked on phone if changed my 0 % rate -- No.

I bought gas a week ago, saw interest charge ( no normal pay by/due date? ) -- so used chat. Maddening. I must pay it off NOW to avoid interest. I will close the card once payment goes through. Very dishonest, maybe just inept. CROOKED.

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 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.

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 2021-07-30
Company: EQUIFAX, INC.
State: TN
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've been disputing these account for the pass 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My wallet was stolen in XX/XX/2015 on the subway in XXXX around XXXX. I realized I did not have possession of my wallet around XXXX that day, and I immediately went to the closest Bank of America banking center to report the fraud totaling {$370.00} and cancel my card. 
There were XXXX fraudulent transaction, all within 2 hours -- XXXX BoA chose to recognize as fraud, and the XXXX larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for -- XXXX different signatures minutes apart, neither being my own. 
After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, XXXX replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month. 
I went back to the banking center, met with another associate who checked on the claim, as he found no record of it. After being there over an 2 hours, he assured I would be contacted within 48 hours with an update -- nothing. 
I called and visited the banking center several more times, with the employees never being able to find the claim information. 
I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After XXXX transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an " electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. 
She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse 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 monetary relief
Consumer complaint received 2021-07-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a mortgage that was refinanced in XX/XX/XXXX and my name was removed due to the other joint owner XXXX XXXX financed it by herself yet XXXX is reporting it being closed in XX/XX/XXXX instead of XX/XX/XXXX and reflecting on my credit till XX/XX/XXXX. I need this matter to be corrected. 
WELLS FARGO HOME MORTGAGE Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Paid, Closed/Never late. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Mortgage Terms : NA Monthly Payment : {$0.00} Responsibility : Joint with XXXX XXXX Credit Limit/Original Amount : {$230000.00} High Balance : NA Recent Balance : NA Recent Payment : NA Payment History : XX/XX/XXXX CLS Your Statement : Completed investigation of FCRA dispute - consumer disagrees.

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 2016-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Hi on my Credit Report there is about XXXX Loans took Out, XXXX is were I used a XXXX Times XXXX # Cards, up to XXXX $ the Co Ripped me Off, there Recording was Scrambled during the process # The man Lied to me, and Kept Hanging Up on Me after the end he said I Deliver the Money to your House? and Get this they Called Me, its on my Credit Report, The Co Name I, m Faint its been a While this is first Time doing this Today. that 's 1 Co, Ripped me Off for XXXX $ The Co I, m very Sure Embezzled Money, and Used my Name for Fraud Racketeering, and To have XXXX XXXX XXXX XXXX Call me and Try to Rip Me Off, Whos Behind these Crimes there All XXXX,? Very Scared Some times Plus the Cases I, m Next Sending to the FTC.Gov about XXXX .. Next there is about XXXX More Loans token Out or More? from Cyber Crime Theft s, I had XXXX Call me saying I Owe Them $ $ Money for Loans then theyde Hang Up? That 's Very Fishy There. I still Keep Getting these Go to XXXX XXXX Send Check to us Bla Bla and They Rip You off from the First XXXX XXXX Scams I, mPosative. My Name is Wrong on some and Adress etc XXXX, How Do I Get My Credit Score Up Help? Can you BELEIVE I, m involved in over XXXX Bank Rip offs and Still Going Hmm

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 2017-02-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a basic checking and saving account with Wells Fargo. I was told I would have no fees. After several months I noticed I was being charged a $ XXXX monthly fee from my savings. When I disputed these charges I was told I needed to make a minimum balance or minimum transactions which I was not informed of when I opened the account. They refused to refund the fees.

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 2017-10-11
Company: Midwest Recovery Systems
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:
If this is not removed from my credit I will be suing them for violation of the XXXX. I have never done business with midwest recovery for XXXX flags and never received any notices. They have put a collection on all XXXX of my credit bureus. I request this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Ditech Financial LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?

Company response to consumer: Closed with explanation