BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: SUNTRUST BANKS, INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a loan on XXXX with XXXX, a division of SunTrust bank. They rejected my application and said they would disclose the reason within XXXX hours. I never rec 'd this letter. I filed a complaint with the CFPB shortly thereafter. SunTrust-XXXX XXXX proceeded to respond with a letter dated XXXX stating the reasons for XXXX 's rejection. My XXXX score on XXXX was XXXX, verified by XXXX. XXXX reported it as XXXX, a fraudulent score based on this back dated letter based on the complaint they rec 'd. They also indicated in the letter that I had delinquent accounts, of which I have XXXX currently. XXXX XXXX and XXXX responded to my complaint as a TOTAL and COMPLETE lie! Again, I rec 'd no such letter or email from XXXX indicating the reason for their rejection. I rec 'd numerous acceptances of the same loan from the same credit bureau- XXXX of which the score was XXXX, NOT XXXX as XXXX XXXX about.

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 2017-08-23
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding has not responded to my several disputes in a timely manner and have ignored my request for validation for those accounts 1 ) {$630.00} and 2 ) {$580.00} that are more than two years old that they are reporting to the credit bureaus. Midland has yet to provide evidence that the accounts are mines. Per their policy per their website the statement reads " Per our policy we stop credit reporting on accounts that are more than two years past the date of delinquency. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
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: Account information incorrect

Complaint:
XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}

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 2022-05-03
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:
Im accordance with the Fait Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these account Thank you.

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 2017-08-23
Company: Experian Information Solutions 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 continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

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 2015-06-22
Company: Franklin Financial  Corporation
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/ 2019, I did an annual credit check and found one debt from JPMCB - Card Services ( Closed ). I then learned it was JP Morgan Chase Bank. I never had a credit card with this company and there are no account numbers for me to identify myself when calling Card Services ; the XXXX the only number listed. I learned that I was denied credit because of this creditor and it sits on my credit report as a negative mark against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
On XXXX I have contact Equifax to remove all fraud alerts On XXXX I requested a credit from my annual credit report from Equifax after reviewing my credit report. I see a section on my report called " Credit File Status '' in this section Equifax as noted " Fraud Victim Trade Alert '' I have request statement to be remove. I also requested they unblock my file XXXX Purpose. Having this statement of Fraud Victim Trade Alert has given creditor that look my credit report to turn my down for credit. I also request for the explanation of this statement and what account they are referring to. I have also instructed them to add my contact phone number to my consumer file under personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft as a result an account was placed in collections for a company called XXXX XXXX XXXX XXXX. I filed a police report years back when I learned of the account. However a company by the name of XXXX XXXX XXXX appears on my credit in this regard.I have sent several letters to the company and they have gone unanswered and the fraudulent data still remains on my credit.I have sent letters to the location in XXXX, Arizona. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database.They never contacted me before placing the debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Defer my loans i did n't know interest would be added after doing so now I owe XXXX more than my original debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXX and deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.

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 2022-01-21
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX has been accessing my credit without my permission

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 2019-12-26
Company: Phoenix Financial Services LLC
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:
I have spend nearly a week with XXXX  on the phone discussing incorrect information on my report. The reps barely speak English and the hold times are outrages. I have medical bills that should not be on my credit report due to me the patient had Insurance. I have been a XXXX XXXX XXXX since 26 years. Unbelievable that I have no control and they can ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MD
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2017-08-23
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2022-10-03
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed still many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX SELF-REPORTED XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; Medical XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX 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 non-monetary relief
Consumer complaint received 2019-12-26
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refi back in late XXXX. 

Everything was going well until we got to the last part of the deal when I learn XXXX XXXX had flagged my account ( due to the refi ) and they did not pay the property taxes on time ( violation of 12 C.F.R. 1024.35 ). I have incurred late fees as a result of their actions. 

Additionally, they have delayed on every attempt I made to resolve this matter in a timely fashion, which has now compromised the lower interest rates I have locked in with the new lender. 

I've tried everything imaginable to work this out in a reasonable amount of time but as of this moment all I can get from them is a very basic email saying they will pay the taxes BUT nothing on when they will have it done and very limited movement on them working this out. 

The money was in my escrow account and I have not been late with any payments. 

I'm a XXXX Veteran on a very tight budget so the lower interest rate would help my livelihood. 

I do not understand why or how this could happen as I'm now stuck waiting and hoping things will get righted. 

Anything you can do to assist is appreciated. Time is of the essence and I understand I risk losing the deal and some financial hardship however I would not want any other Veterans to have to go through what I've endured these past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed still many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$13.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX Balance : {$8.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
I checked my credit report and somebody applied a credit card from XXXX  XXXX XXXX on XXXX XXXX and made a credit enquiry that I did not do. I also receive a mail from XXXX on XXXX XXXX stating my credit card application wasnt approved. Which I did not make any application.

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