BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have asked multiple times for XXXX, XXXX XXXX and Equifax to correct or remove the public record Ch. XXXX Bankruptcy. They have not and continue to report it as a new Bankruptcy. My credit report needs to read " Date Filed : XX/XX/XXXX. '' " Date Successfully Completed : XX/XX/XXXX '' All XXXX credit bureaus have this as a New Bankruptcy and they refuse to correct their wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
After 6 months of billing with the Best Buy Citi Bank XXXX, I noticed the " EHN DEBT PROT '' charge on my statement. 

I was charged {$150.00} in 2016, and XXXX this past month ( See Attachments ). 

This is deceptive marketing/enrollment purely engineered to hurt those that set up auto payments to pay off promotional balances based off total charge divided by the term of the promotion. I now have to increase my payment. I WANT A REFUND! 

I 'm disappointing in Best Buy for allowing this, I did see there has been a previous lawsuit and settlement. Clearly this behavior is still going on!

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 2022-01-02
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:
I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of 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 non-monetary relief
Consumer complaint received 2022-01-02
Company: EQUIFAX, 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:
I submitted a dispute by mail to EQUIFAX regarding an inaccurate 60 day late payment XXXX XXXX is reporting which is having a negative impact. EQUIFAX continues to send a generic response stating it was verified and validated as accurate but fails to provide the supporting documentation and method of verification requested. The fact that this generic response is being sent confirms no actual research/investigation was actually conducted. I am requesting EQUIFAX completes an ethical and actual research and delete the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I bought a house in XXXX 2014 with a mortgage from Citibank, with a payment of {$2600.00}. Today I received the Annual Escrow Analysis stating that we have an escrow shortage of {$2100.00} and that our payments will increase to {$2800.00} for the next year. Upon calling Citibank, I learned that our actual escrow shortage is closer to {$3000.00} because of a recent insurance payment Citibank made. Citibank explained that this happened because of the way they calculated our tax bill. However, they should have calculated our tax payments correctly to arrive at a more accurate payment. It seems that they did not include insurance in their escrow calculations either, resulting in the total shortfall of approximately {$3000.00}. I believe Citibank deceived us as to our payment amount, giving us a smaller number at the outset and failing to calculate correctly and inform us of the real cost. If I had known that our payment would increase by {$250.00} a year after buying our house, I may have decided to go with another bank or may have decided not to buy the house at all. I was not able to make accurate financial decisions because of Citibank 's failure to provide correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
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:
I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Account information incorrect

Complaint:
The current amount due on my XXXX XXXX XXXX Credit Card is {$4200.00}. The updated balance should reflect this 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information. 

These are clear violations of my federally protected consumer rights. 

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 

I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2017-08-15
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud!
The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
On my personal credit there are business credit card inquiries that should not be there. 
XXXX XXXX XXXX on XX/XX/2021, Us Sm Bus Admin Oda on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX  on XX/XX/2021 XXXX XXXX XXXX  on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX XXXX my XXXX XXXX XXXX son process without my consent or permission some app products in XXXX. XXXX requires created an account in order to have access to their apps since my son is a minor, I log in with my account in his XXXX tablet. My card was registered on my XXXX account on my XXXX cellphone because I was paying XXXX cents every month for extra XXXX data. I removed my card from my XXXX account on XXXX but XXXX by any unknown reason without my consent, kept my debit card information on its system, allowing and processing my child transactions, also I got on XX/XX/2021 an apple credit card to buy a new cellphone but I did never used it to buy something, and XXXX charged that new credit card with more bills without my consent. An XXXX employee was also threatened my action of submitting a claim directly with my bank, After XXXX did not check my claim. The merchant return all the money to XXXX on the XXXX account since all those items were virtual not real.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citi Bank opened and issued me a MasterCard credit card in my name without my consent or request.As you know this can lower my credit score, and share information I want kept private. My mail box has been invaded by junk mail from them for years trying to give me their card and now they just by passed my consent and issued it to me.

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 2016-02-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with TransUnion, XXXX and XXXX along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX  XXXX XXXX XXXXXXXX letter is attached to prove this company Deleted account but its still reporting on my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2016-12-03
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: STONEGATE MORTGAGE CORPORATION
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wanted to reduce my mortgage by removing pmi. After struggling with moving money from bank to bank, I was able to make another 10 % payment to Stonegate Mortgage. I had put 10 % down on the house and with the 10 % payment, was at least 20 % of original loan. The whole goal was to reduce my mortgage by approx. {$200.00}. Not only has my pmi not been removed, I was told that I had to pay an additional {$110.00} to request a broker document before they remove the pmi or I have to wait years until the loan value is 78 %. They just gave me a bunch of other things to do. The problem is I work 14+ hour days every day ( XXXX hours just driving from XXXX to job ), and am at the limit for bankers bs. They took my money, which I can not invest, I told them the intent was to reduce pmi. Now they want to charge me more money before removing pmi even though I have paid the 20 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
BMW Financial approved me at Prestige BMW in XXXX, New Jersey for about XXXX on a brand new M235i with some Dinan parts. However, I am XXXX I put nothing down and I got approved, mind you I make about XXXX a month so I thought it would be impossible to get approved. I gave it a shot and it happened I left with my brand new M235 the same day. The issue I am having now is affording it, I agreed to pay {$1000.00} a month because I am an idiot and I completely regret the impulsive decision now. At this point I agreed to a vehicle surrender, still waiting on a call from an agent to schedule a time to pick up my vehicle. I will be filing a lawsuit due to the fact they approved me to begin with. I feel like there might have been an alteration on my credit application in order to get me approved, I will be trying to get a hard copy of that. I feel like I have been apart of some kind of financial scheme in order to get young and dumb people into any vehicle they desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  XXXX Account # XXXX This is not my account they never sent me and verification Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence

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 2022-01-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Check cashing place is sharing my financial information federal and state with telemarketing. Fraudulent td bank account. Took my stimulus payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE 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 explanation
Consumer complaint received 2015-07-15
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation