BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings, I sent a dispute letter to the credit bureaus such as Equifax, XXXX and XXXX but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
On XX/XX/XXXX I filed a Dispute with XXXX regarding incorrect information on my credit report regarding account : ( Santander ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to Santander in XXXX. The report shows the account was Charged XXXX in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked XXXX to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to Santander in XXXX of XXXX that the account be deleted. 

The result of the dispute with XXXX was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to Santander. How can it be sold to another company but Santander is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax had a security breach which affected 143 million Americans and did n't tell consumers for a month! And their executives sold off stocks 3 days after finding out about the breach which should be considered fraud. Furthermore, to sign up for the free year of credit monitoring they offered as consolation, you have to agree to terms of use which include your inability to sue them or be a part of a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NC
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. Tye list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # 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 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-09-09
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
My most recent credit report shows that Hyundai Motor Finance ( HMF ) reported me as delinquent on an account that, according to the records I see on HMF 's website, was paid in full on X/XX/17, and is currently owned XXXX balance. I traded in my leased vehicle for a new leased vehicle 1 month before my lease was up. The remainder of my lease payments were rolled into the balance for the new vehicle and the remainder on the old lease was paid on X/XX/17. 

I have yet to contact HMF regarding this, as it is Saturday, and their customer service line and lease end support lines are closed until Monday. HMF reported my account to the credit bureau with no prior contact to me, written or otherwise, as to the delinquent status of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: BARCLAYS BANK DELAWARE
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I locked my Barclays View Mastercard card and received a confirmation email. On XX/XX/22 I was charged {$200.00} bXXXX XXXX  XXXX. I called to ask why this charge had gone through since my card was locked and they said that the card was showing as locked in their system but that it hadnt actually gone through. They closed my account and issued me a new card, and opened an investigation. On XX/XX/22 they issued a letter stating there was an investigation. On XX/XX/22 a letter was issued stating the fraud investigation had been completed and we have determined that you are not responsible for the reported fraudulent activity. Then a letter was issued XX/XX/22 stating that the investigation was completed and the charge was valid. I was not provided with a written explanation or any relevant documentation. I called their fraud line on XX/XX/22 to reopen the dispute and they told me I would have to fax or mail in proof that the charge was fraudulent. ( My card was locked, the charge should not have gone through. ) They refused to escalate my issue and said a manger would call me in XXXX business days. The person I spoke to on the phone also admitted that this is happening to many customers, they are being issued letters saying their dispute is settled and then later being charged for the amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: DISCOVER BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Discover Bank XXXX card in the mail. I don't have any accounts with Discover and never applied or opened an account with them. I called and was transferred to an account specialist to handle this but after 2 hours on hold, got disconnected. Tried again with same result. Called a new number and they said the only way to handle it is to call the number that keeps disconnecting me after a couple hours of waiting. They won't give me any other option and the number I try to call wastes hours of my time before disconnecting me so I'm unable to get a hold of anyone to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank offered {$500.00} bonus for opening a Citi Priority account from XXXX. The required banking activities to earn {$500.00} are : 1, to qualify to earn a {$500.00} cash bonus, you must open a new eligible consumer checking account in the Citi Priority Account Package between XXXX. 
2, within thirty ( 30 ) days of account opening you must complete the following : - make a qualifying deposit of {$50000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Saving Plus or Citi savings account, and maintain a minimum balance of {$50000.00} for sixty ( 60 ) consecutive calendar days following the date you make your qualifying deposit.
- Enroll you new checking account in paperless statements.
I opened a new Citi priority checking account package on XXXX/XXXX/XXXX and funded it with {$50000.00} new money on XXXX. On the same day, I enrolled my account in paperless statements. 
On XXXX/XXXX/XXXX, I got an email saying that I could not get the {$500.00} bonus because I did n't fulfill the requirements for this promotion. But the truth is I opened the account and completed all the requirements In XXXX. 
I called Citibank on the next day. The CSR told me they would deposit {$500.00} into my account within 3 business days. After one and half month, I have n't got my {$500.00} yet. 
I attached the screenshots and the document about the promotion. Please help me to resolve the problem. 
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 2022-06-13
Company: Experian Information Solutions Inc.
State: HI
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:
Submitted disputes with Experian, XXXX and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.

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 2017-09-13
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 fraud alerts or security freezes

Complaint:
Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at XXXX, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days. 

In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private. 

I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.

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 2017-09-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have been a Citibank Gold customer for several years. I realized that the bank was taking {$60.00} per month from my checking acct. ( that I rarely used ) because I did not maintain a certain balance. 

I immediately closed the account in XXXX 2017. Since that time the bank claims that I owe them some {$500.00}. I have asked repeatedly for paperwork showing why I owe this money but they have NOT sent it to me. 

For months they were calling me daily, and for months they said they would send me the information. I have NOT received specific information regarding why They are now saying they will report this information to credit bureaus. The calls border on abuse. 

I do n't see how I can pay {$500.00} without any information in writing. This makes no sense. I find these business practices unethical and abusive. Who pays money without evidence that it is owed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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. 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 719XXXX 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 n 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 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 2018-06-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2018 XXXX  app has user that scammed me today {$250.00}. She listed an iphone for {$250.00}. From the app She blocks me after she picks up the money from XXXX XXXX XXXX XXXX at indiana. Her real name is XXXX XXXX. This is the money reference number XXXX I sent it through moneygram from CVS on  XXXX XXXX XXXX XXXX Florida. Please investigate her for me. She blocked me from the app when I called moneygram they said she already pick up the money from a local store around XXXX central time. It's too late can't do nothing if they have the XXXX XXXX info they could contact the police in the area regarding the scam today because this person do the same to another person like me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Cheek Law Offices, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX Cheek law of LLC Petitioned XXXX county court to revive an old debt from XXXX. 
I explained to both the courts and cheek that I was on a fixed income of {$720.00}. per month yet the court granted these vultures access into my life for a debt which I had already paid for with 7 years of bad 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 2019-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX   XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to shut the XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

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