BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously submitted a complaint that I was unable to get my security freeze with Equifax lifted despite multiple efforts via my online Equifax account, telephone calls to their automated system and one call that finally landed a real person ( no previous calls did ) who admitted the system was down. Today I reached a live person who asked me 20 security questions, verified my identity and lifted the freeze temporarily. I have the pin number I was given when I first placed the freeze but she said the company doesn't use those anymore. Then she transferred me to technical support to get help over my inability to manage my freeze online. The agent, whose " purportedly only '' name was XXXX, asked me the same security questions and, after I gave her the exact same answers, she then claimed she couldn't verify my identity and refused to help me. I told her the last agent was able to and I also explained repeatedly that I could log into my Equifax online account, and get my credit info so I didn't need any of that, and I just wanted them to fix the link in my online account for " managing '' my freeze because the link doesn't work. I don't need the freeze lifted at the moment because the previous agent did it temporarily for me. But I want to be able to manage the freeze in the future. She refused to help me. What the heck am I supposed to do when I have problems like this in the future - when reaching a live human is almost impossible, their verification results are absolutely inconsistent, and all the automated things don't work? I foresee one coming because I just learned from the mortgage company that they may need to access my credit report again after 60 days, but I only lifted the freeze temporarily for 60 days. I should not have to go days and days fighting Equifax over getting this done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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:
Someone XXXX my XXXX a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.

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 2016-03-16
Company: Esser, James & Associates
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Stated that my mother is in some sort of legal trouble. Stated they know she is XXXX XXXX XXXX and they know her last XXXX digits of social security number. Stated I could make all this " go away ''. No details on what exactly is problem ... Feel like they are trying to extort money from me, although issue is n't even with me. I told them to quit making harassing calls and send any complaint to my mother via XXXX mail. They stated they do n't work that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. This account is not my responsibility. I never agreed to anything with this account. This is a fake! This account did not even provide any documentation to prove that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Today I just found out I lost my wallet, it includes my State ID and couple of bank cards, so here I am, trying to request a free annual credit report from AnnualCreditReport.com, but since a month ago a banker checked my credit score from XXXX and XXXX, and denied me a mortgage loan, I can only apply my free credit report from TransUnion. I start my online request form on AnnualCreditReport.com, everything going OK, until it request me to answer some security questions ( to identify me ). It asked me XXXX questions, the first XXXX matches my identity. But the last XXXX did not match any of the fact I remember. The XXXX question asked me, in which state I obtained my social security number? They put out XXXX names in the answer choice, including my home state ( NY ) as XXXX of the answer, but I clearly remembered I received the card in another state besides NY, and it was not listed as my choice, so I answered NONE OF THE ABOVE. Also, I have been asked which was my current or previous employee ( I have been out-of-job for 7 years ), but none of the choice match any of my previous employees, so I also answered NONE OF THE ABOVE, then it says it can not give me my free credit report! If there 's an alternative answers to XXXX of these questions, then those answers are not match my identity. How can I report this problem and correct the answers?

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 2020-09-30
Company: EQUIFAX, INC.
State: AZ
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 last disputed with CFPB and the company stated they sent me a letter, I got that letter which said nothing in regards to this.Equifax REFUSES to report correctly. Every other company has removed these items. I CAN NOT get approved for a home loan because of Equifax! I am in good standing with both XXXX  and XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was issued a Best Buy Card ( Citi Bank ) credit line in XXXX of XXXX by a local Best Buy store. Store employees assured me that no interest would be charged for three years upon paying the minimum monthly payment. No physical " card '' or contract was ever received in the mail. 
I continued paying regularly till XXXX XXXX. Upon checking the account statement I noticed I had been charged interest to the amount of {$1000.00}. Once their promotional period of 24 months ( not 3 years as I was led to believe ) was over, Citi Bank added on an interest of 25.49 % APR starting from XXXX XXXX. Citi Bank failed to inform me that my promotional period was about to end, that an interest would be charged or the fact that interest would be charged from the issuing date.

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 2015-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Last XXXX I bought a merchandise on line it came defective, I tried to look a viable solution with the seller we could n't find. I contacted Shell Master card to initiate a disputed for the amount of {$94.00} I sent Shell Master Card proper documentation. Theydenied me assistance saying : '' The Merchant is willing to work with you '' and '' based on a review of the circumstances surrounding the charge we have noresource to recover the funds ''. I believe Shell MasterCard is unwilling torepresent me with the merchant, for the defective merchandise I received. 
Also I have to mention the Merchant does n't have the merchandise to exchangeit. I 'm attaching documentation on regards. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17
Company: Lending Club Corp
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
All of my inquiries were removed on my transunion report, then they were put back on. sent in multiple disputes to the credit bureau ( transunion ) but they will not remove them.

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 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The rental company that I am renting from has filed numerous evictions against me because I pay my rent after the XXXX of every month with a late fee. These evictions are now showing up on my credit and background report. I am still currently in the residence and have never been evicted nor have we been to court for this. My rent would always be paid by the time papers were delivered to our house This is information is definitely incorrect. I would like for it to be removed immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: CA
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:
I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Experian account XXXX XXXX account XXXX XXXX XXXX XXXX Experian account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX  XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX of XXXX XXXX XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, TransUnion provided an inaccurate credit score by decreasing my credit score by XXXX points after my credit card balance went to XXXX. This has caused a major financial burden. I believe TransUnion is retaliating against me and causing further financial harm as I can not provide credit worthiness in purchasing a home. See attachment.

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 2022-02-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with Select Portfolio Servicing XXXXXXXX XXXX # XXXX. 

For several months I told them they had collected WAY too much money in my escrow account. Finally, they agreed to review my escrow account on XX/XX/2022. They finally did on XX/XX/XXXX and decided that yes indeed, they had collected {$18000.00} too much. 

They " said '' they mailed a check on XX/XX/XXXX. ( Who " mails '' a check over {$18000.00}? ) It is now 11 days later and no check has been received. It has been 23 days since they " learned '' of their over charging me. I still have not been made whole. They have {$18000.00} of my money that they have been earning interest on. 

I WANT DAMAGES!!!!! They are abusing consumers and are earning thousands in interest rather than promptly reimbursing the client what they should not have had the whole time. 

I warned their incompetent staff REPEATEDLY that I was going to the CFPB. One of their employees said, " go ahead, we don't care. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: MI
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:
N accordance with the fair credit reporting act XXXX  Account # XXXX, and 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 Sections 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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-08-18
Company: EQUIFAX, INC.
State: MO
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:
Hello, Equifax is reporting that a payment to XXXX XXXX XXXX XXXX was late for XXXX XXXX it was not. I have the information from the other XXXX bureaus to show it is not. Equifax must update my payment history and reflect this account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: SC
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:
I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Equifax is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Equifax written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Equifax to do what is fair and equitable to me as a consumer. 

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 ***Please also see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt continues to show up on my Equifax report as open status. However it is noted that it 's been discharged in bankruptcy since 2011. It is affect my credit score and should not be there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Demanding a Credit Bureau Investigate To Whom It May Concern : Trans Union I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.

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