BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: OH
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:
Equifax Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX  : {$2100.00} XXXXXXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXXXXXX XXXX XXXX : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Upstart Holdings, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I had XXXX call XXXX today and they said he had a separate loan he was calling to update my application so I talked to a agent I explain what was going on that I needed to change so things he said he would update it for me I gave the information he stated that I needed to send a copy of license because it was not clear I said okay he stated someone would call me to go over new rates I believe this is racial profiling my application was incomplete I have confirmation I have till the XXXX XXXX to reply I update my info I also have a co signer also on application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Credit Karma, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Due to credit Karma 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I can't see my XXXX yet to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 NCC XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, Citi bank closed my credit account without reasons. I have called the Citi Bank several times about the annual fee charged to my account. All representatives said the annual feel would be refunded. However, Citi bank did not refund me the annual fee as of today, XX/XX/2022.

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 2018-11-29
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company Pressler, Felt and warshaw sent me court papers of a judgement made, in a court, I never recieved any prior paper worker to come to any court hearing. Now I just recieved another set of paper work that my check would be garnished. For XXXX a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX  XXXX : {$2100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX  : {$460.00}

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 non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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:
In accordance with the XXXX XXXX XXXX Account, 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 instructions

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 2022-10-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a letter from XXXX XXXX XXXX ( Comenity Bank ) about fraudulent charges on a credit card that I had. I did not open this account and had my son contact the company on XXXX to verify this and they recorded the conversation so that the account can be closed. Contacted multiple times for an update. I am still waiting on a letter stating the account will be closed as the rep stated it could take up to XXXX days. We sent a letter ( via IdentityTheft.gov ) through XXXX ( Tracking XXXX ) to Comenity Bank on XXXX in regards to the fraudulent account and requesting a letter stating the card needs to be closed. Confirmed delivery through certified mail XXXX. No response from company yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion credit report on inquiry. I call their phone number and got a rep. The rep was rude and wouldnt give me a name. I wanted to dispute 15 different credit inquiries that I had nothing to do with and she told me that they are mine and that I just need to ride it out. I am mad beyond belief at the moment. I asked to speak with a supervisor and was told basically that wasnt going to happen. I need this stuff gone as to I didnt inquire about these credit cards or loans.all of this happened on XX/XX/2020 and I keep seeing more pop up on my TransUnion credit report this is stupid. Please help.The following is a list of the credit inquiries. 
XXXX. 
XXXX, IN. 
XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XX/XX/2022 - received email from Bank of America that they received an application for the XXXX XXXX XXXX Credit Card. I did not submit this application. I called them and asked that it be marked as fraudulent and shut down. They said it would take 5-7 business days and I wouldn't receive any written notification about it. 

XX/XX/2022 - called the department that processed the credit card application at B of A, I asked for a copy of the application. They mailed me a FACT Act Request Form with instructions on how to submit it. 

XX/XX/2022 - faxed the completed FACT Act Request Form along with documentation ( driver 's license, SS # ) from a Bank of America branch in XXXX, NJ to the fax number on the form. 

XX/XX/2022 - still no response from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 this isn't 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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2020-04-17
Company: Experian Information Solutions Inc.
State: AR
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:
I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?

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 2021-08-03
Company: Ocwen Financial Corporation
State: MA
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:
XXXX is conspiring with Ocwen mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but XXXX refused to accept the dispute. On XX/XX/ I sent, via certified mail, XXXX  evidence/proof catching Ocwen re-aging my account by removing payment data from my credit report. XXXX has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of Ocwen 's wrongdoing. I supplied XXXX with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old XXXX credit report showing the missing information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: VA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-22
Company: SANTANDER HOLDINGS USA, 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:
To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from Santander consumer USA it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XXXX 2022. This length of time is unacceptable and I would like this resolved immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Money was sent to me on XX/XX/2022 via cash app. {$1000.00}. My bank merged with a different bank and so I was issued a new bank card number. The money was sent to the old bank card number, which was closed. Rather than hold the money. Cash app forwarded my money to a strange account in Mississippi, XXXX XXXX XXXXXXXX XXXX although I am in XXXX with XXXXXXXX XXXX XXXX. I have spoken with cash app and explained that the XXXX XXXXXXXX XXXX needs to know the account that they sent the money to however they refuse to give me an account number or even the last four digits so that my money can be found and returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian 's report dated XX/XX/XXXX, shows almost all inactive/closed accounts, and XXXX which are open but inactive. None of my current credit accounts are shown, XXXX  : XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX to name a few. As a result, there is insufficient/or no information about revolving and open-ended accounts which is the basis most lenders evaluate/review to issue their credit card. Consequently, I was denied a XXXXXXXX XXXX XXXX, issued thru XXXX XXXX. I spoke to at least XXXX Experian departments over the last XXXX weeks about their over-sight and asked that they revise my report to include my current cards. I was told that a vendor/lender had to be a " subscriber ' of Experian 's service in order for the respective lender 's credit information to be included in Experian 's report. I called XXXX XXXX ( application department ) yesterday to verify this requirement and was told that there is no such requirement. Amazingly my credit score with experian is 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 2022-08-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I called Wells Fargo to inquire about entering the forbearance plan due to XXXX.I was told I was eligible and that the forbearance was good for 3 months with possible extensions up to a year.I asked what happens to the missed payments during this time and was told they just add them to the end of the loan at the end of the forbearance.I agreed to the forbearance.3 months later I received an automated phone message from wells Fargo asking me to push " 1 " to continue forbearance, which I did.Three months later I received the same phone call and I again pushed " 1 '' as I was still unable to work with the pandemic going on. At the end of XXXX, I called to see what my steps were to resume payments and I was told that I didn't qualify for the deferrment program because I was delinquent at the time I enetered. I asked why I wasn't told that at the time of the request and It was explained that after I was entered the investors came out with additional guidelines that stated no forbearance if borrower is delinquent. I feel like this is not legal to enter someone into forbearance and then at the end say that I was not eligible. Please help me because now Wells Fargo is having me apply for a modification and I am being told I can't make payments until after the process and the missed payments are piling up. Thanks!

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