BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: Partners Financial Services Inc
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Partners Financial services inc. placed an account on my credit report that is damaging my credit. I have tried to contact them to have them send me proof of the account belonging to me or remove it and they will not respond to me.

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 non-monetary relief
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached o ut to CitiMortgage o n  XXXX / XXXX /   17  to make a bi-weekly payment on my mortgage and to stop the automatic draft that was to come out. This was initiated due to there being  a 50k pl us hold on my checking account. I did this for the next several weeks up until  XXXX / XXXX /   17  when the hold on my checking account was finally removed . CitiMortgage never did st op the payments from being drafted per my request when I made them over the phone for the next several weeks. I acquired numerous fees, some of which have been removed. I sent correspondenc e to CitiMortgage regarding  payments missing from the account on  XXXX / XXXX /   17  and sent them proof of them, but I have yet to have had it resolved. When I corresponded with people on the phone, they could not even match up the payment history that I printed from there website with what they were using. To make matters worse, I received a letter from them on  XXXX / XXXX /   17  saying they were removing me from the equity builder that I had been in  since the 90s per my request. I had not requested this since the lien had been removed from the checking  account. They would not do it when I had asked to stop the payments. I am not yet trying to be put back in the program and am making payments over the phone. I still have yet to have all of my payments credited to the account and no one has addressed the concern faxed to them on  XXXX / XXXX / 17 .

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 2018-05-31
Company: EQUIFAX, INC.
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:
In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. PLEASE DELETE THIS IMMEDIATELY

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 2022-07-06
Company: MoneyLion Inc.
State: NC
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:
money lion is falsely reporting wrong balance amount on my credit report. i paid the account in full on XX/XX/2022 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I opened an Accelerate Savings Account with Citibank, and on XX/XX/XXXX transferred {$50000.00} into the account. Since then, I have encountered a series of roadblocks that continue to prevent me from gaining access to the funds, both online and through over 10 hours on the phone with customer service. I now believe that a fraud is being conducted, based on the bank 's refusal to escalate the problems.

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 2021-01-27
Company: Better Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Submitted a loan application and received a locked Loan Estimate on XX/XX/XXXX. This Loan Estimate did not have an amount disclosed for Transfer Taxes. I received 6 revisions of this Loan Estimate, all with minor or expected changes. On the 7th revision dated XX/XX/XXXX, I noticed a new charge of {$3300.00} for Transfer Taxes. Creditor indicated reason of Loan Estimate revision was " New information unknown at time of original LE ''. There has been no change of circumstance to my loan application. There is no new information about the borrowers that was not previously submitted to the creditor during the application. I tried to no avail to get the charge removed after quoting TRID rules that state transfer taxes are subject to the zero tolerance standard. I am also confident that the creditor is not computing the required transfer taxes correctly and overcharging the transfer tax by about $ 3,000+.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I got an advertisement from Chase about opening a XXXX brand credit card. The offer was to get bonus miles if you spend a certain amount on the card. So I applied and spent the minimum, but now they 're refusing to honor the agreement. They claim I was under a different offer with a higher minimum. Never was this disclosed! they did a fraudulent bait and switch to induce me to sign up for this card under false pretenses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: NV
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:
Attached document shows various information of fraud that has happen for quite some time on credit report. I have all documentation attached to this email as necessary.

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 2020-01-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a checking account with wells Fargo with approximately 4800.00 in it. All of this vanished without any notices whatsoever. What's worse is they claim to have no record of my account or anything about me. All my files relating to the account we're tragically burned in an unfortunate fire. So you see my predicament.

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 2021-08-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A week ago or so I received an email from a debt collection office saying that they were contacted by Speedy Cash for an unpaid loan. I do have an unpaid load through Speedy cash so I thought it was legit. The attorney, XXXX XXXX, told me I just make payment arrangements or I'll be taken to court. I wanted to to settle this I told him that I would make the {$100.00} down payment but I didn't when he wanted me to send it through XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 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 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 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 XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX 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 2020-04-21
Company: Square Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I transferred {$500.00} from my external account to my cash app mobile checking account. CashApp is a subsidiary of Square Inc. For some reason still unknown, cash app lock my account. For some reason also still unknown my account remains locked. Despite several attempts to contact them, the following day and every three to four days since my account was locked I've received little to no support to resolve the situation and verify my identity which they said was necessary for me to regain access. On XX/XX/2020 again I attempted to contact Cash app for a status update on my case. Shortly after the same day I received a reply stating that my case had been closed due to non communication on my part. That was completely false, I have more than enough data to prove that was false. They have no dedicated phone lines to communicate with customer support, they only communicate via email. When reaching out to customer support they state that they will respond within 48 hours. That also was not done on their part. I also attempted to communicate with customer support via XXXX. After a lengthy discussion, they said nothing can be done until the investigation is complete. Since then they have avoided all my attempts to communicate with them. My funds of {$500.00} remain lock in the account. As you can imagine during these times under these circumstances, I am in dire need of that money and they have done very little, almost nothing to make those funds accessible to me. 

Also irrelevant to my case but I would like to state that several persons known to me have experience similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: TN
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 returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago

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 2018-03-05
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( Experian, XXXX XXXX  XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

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 2021-01-27
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:
In the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.

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 2022-02-24
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:
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 719tXXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
None of the above apply, so please forgive the improper selection. 

My credit score ( I only monitor TransUnion ) dropped nearly XXXX points since last month. The only change in the report is that I paid off more than {$1000.00} in the debt that I owed. No new accounts, no delinquencies, no loss of open credit. Just a lower balance due. 

In essence, by paying down my debt I 've hurt my credit. This is an obvious case of lowering someone 's credit purposefully and without reason to give creditors grounds for higher rates. Please aid me in rectifying this, I 'd rather not have to take it up in a civil suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX name- XXXX XXXXXXXX, Account # XXXX has violated my right. 

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. its 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 2022-07-06
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of  XXXX. I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. XXXX XXXX XXXX XXXXXXXX Opened XXXX {$86.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SECURITY CREDIT SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 my barclay card was used at XXXX XXXX it used through XXXX XXXX  which I don't get how it happened since I live 1 hour and 45mins from the store it happened at and my phone was with me. The charges that were made that were fraud were for {$890.00} and {$790.00}. 

Barclay is indicating since it was used as XXXX XXXX that I should be responsible for these charges which is ridiculous since I was never there nor have I ever shopped there. Plus its almost 2 hours away from where I live.

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