BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, In XX/XX/2021 I watched a XXXX video that mentioned a company that was offering a XXXX credit line for their company. The payments were made, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XXXX XXXX. In the interest of boosting my credit profile and obtaining a higher score, I applied and was approved for the credit line and made a purchase of XXXX for some custom-made sneakers as a gift for my teenage son. The seller, XXXX XXXX, directed me by phone how to purchase the sneakers and assured me I would have my credit line and sneakers within4XXXX8 weeks. After 8 weeks, I recieved neither the credit line nor the sneakers so I became suspicious and reached out to XXXX XXXX the owner of collectivecon.com and reachable at XXXX and XXXX. He stated in an incoherent manner, there was a supply chain issue. I asked, while that may indeed affect the sneakers, the credit line would not be affected because that is a service and not a product and he hung up on me. I went to Affirm, the third-party loan servicer for XXXX. They said they could NOT help me, even though I received nothing for my money. I explained I RECIEVED NOTHING-and I am protected as a consumer against fraud. This was an fraudulent sale and even my own credit card company agrees it was " theft by deception '' or possibly " wire fraud '' and they are trying to get my money back. I am afraid that my bank will get my money back and I will have a negative on my credit rport for failure to pay for something I never recieved. I am certain I am not the only one. This was a clever scam. Affirm also continued to bill me for an additional XXXX so I am fighting the purchase of XXXX and an additional XXXX for some reason not specified. This is blatantly illegal and I am extremely distraught that I was scammed and no one will help me. This is the USA and not XXXX. This should never happen here! Please help, Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: MS
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/XXXX, I was notified about an updated credit score on XX/XX/XXXX app. I noticed that I lost 36 points from XXXX. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received 36 points back. On XX/XX/XXXX, I received 1 point. On XX/XX/XXXX, I received 3 points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost 36 points. I am not understanding why every time I reach 700, I lose 36 points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.

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 2022-06-15
Company: EdFinancial Services
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being continually harassed on acctXXXX for the student loan debt of a stranger with a different name that has NEVER lived in my home of XXXX yrs. On XX/XX/22 our mail carrier confirmed the borrower lives at XXXX XXXX XXXX. Despite numerous contact attempts the collector refuses to update the records of a {$20000.00} debt comprised of {$6000.00}, {$6000.00}, {$4500.00} & {$3500.00} so that's the total I'm considering suing for in defamation & damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: GA
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 XXXX  these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: LoanCare, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called LoanCare 6 times over the past XXXX weeks - XXXX XXXX to XXXX XXXX. They are reporting a delinquent loan that was XXXX days late. Unfortunately this error was report to all 3 credit agencies and it lowered my credit score. I am now having problems refinancing my home, because my credit score has  been impacted because of this error. My loan is not in default and I have never been late on a payment ; however, LoanCare is reporting it as 60 days late. I spoke to upper level management at LoanCare and filed a claim with a ticket number. They have not done anything to remedy the situation.

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 2017-07-21
Company: BANK OF THE WEST
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted an application to open a checking account on XX/XX/XXXXunder a promotion to where I was supposed to receive {$50.00} by using my debit card to make 10 transactions of at least {$3.00} each for the two months following my opening deposit posting to my new checking account. The minimum opening deposit for this account was {$100.00}. I clearly chose to fund my opening deposit at the time of the application with a {$500.00} credit card deposit. That deposit posted in XX/XX/XXXX. I subsequently made the required 10 transactions in XX/XX/XXXX and 10 more in XX/XX/XXXX to meet the terms of the promotion. My account was opened on XX/XX/XXXX and I decided to link this new account to an existing checking account at another bank. They subsequently sent trial deposits totaling XXXX cents to my new account that posted on the last day of XX/XX/XXXX. The bank insists that this XXXX cents counted as my opening deposit despite them clearly being trial deposits and not even meeting the minimum amount for an opening deposit. They then claim because I did not make the debit card transactions in XX/XX/XXXX that I did not meet the terms. I believe they are both factually incorrect and being extremely unreasonable in refusing to honor their promotion. This has been an extremely frustrating experience.

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 2015-04-10
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Freedom Mortgage originally said that they would give a {$2900.00} credit to lure me in. On XXXX XXXX, they then gave me a good faith estimate ( GFE ) for {$1700.00} in credits with no origination fees and then another worksheet that said I would be getting an additional {$1200.00}. They said that they could not put the total credits on the GFE, but would give me the {$2900.00} credit. I did sign this GFE. Then, on XXXX XXXX, they gave me a new GFE for a credit of only {$880.00}. I do not know why they can not put the total credits on the GFE like other mortgage companies. This seems kind of sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: LA
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, XXXX, TRANSUNION

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 2022-06-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian and XXXX are inaccurately reporting my payment history .. Ive tried explaining to them and provided proof .. the inaccurate payment history is affecting my credit in a negative way as i have maintained stellar payment history. XXXX correctly displays my stellar payment history.

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-01-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX account XXXX, 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy account XXXX, 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NJ
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:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF accounts XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Netspend Corporation
State: IL
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 have a prepaid paypal card that I use to transfer sales from XXXX. It's not much ( maybe XXXX usd per year ). NETSPEND CORPORATION ( the company behind paypal prepaid debit cards sent me a new card ( via regular mail ) that looks like I need to renew. So like anyone, I opened the envelope, called the number on the card to activate. 

It turns out this was just a solicitation to open a new account ( BUT IT LOOKED EXACTLY LIKE A REAL PAYPAL MASTER CARD ). They asked me for my social security number, card number and number on the back of the card and sent me an email with a 4 digit code. At the time, I thought this was unusual, however checking my pay-pal account, I noticed that the card was not available, nor was it recorded as a replacement card. 

I'm not even going to go into how rude and deceptive their XXXX call center is where everyone is named " XXXX ''. 

NETSPEND CORPORATION is a predatory financial institution. The deceptive practices they use to get people to load up money onto a prepaid debit card is beyond underhanded.

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 2019-11-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I noticed unauthorized withdrawals from my checking account totaling {$2100.00} ( {$300.00} times 7 withdrawals ). I contacted Citibank immediately and they cancelled my debit card and sent me a new one. I explained to them that I never let anyone use my card and I always have it in my wallet. This account is only used to pay all my mothers bills. She is XXXX and has XXXX. Citibank refused to refund the {$2100.00}. They said they don't use the ATM cameras to help them make their decision, even though this will prove its not me and they will have the thieves picture and description. They rejected me saying that " the activity appears to be consistent with my normal banking activity ''

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