BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I have not authorized anyone in writing.

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 2015-09-21
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Macy 's credit card since XX/XX/XXXX. I received a letter in the mail XX/XX/XXXX stating, " this letter confirms receipt of your written notice to reject the new terms contained in the change in terms notification of your Macy 's credit card account, since you have elected to not accept the terms, your account has been closed ''. 
I have never received a request to accept any new terms from Macy 's, and I have talked with XXXX different customer service agents concerning this issue. I was finally given another number to call XXXX. The agent at this number said she could n't help me, they were the department for delinquent accounts. I have always paid my Macy 's account on time and I am currently in good standings with them. I really need help. I was appalled from this letter saying they were closing my account without my permission, or giving me a valid reason. I have told the agents at Macy 's to send me the written rejection letter that I supposedly have sent them and I was told they could n't help me. Please if anyone from your office can find out if a fraud act has been committed and help restore my Macy 's account back to good standing. I have great credit overall and I am afraid this will cause a negative impact on my credit bureau records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 15 U.S.C 1681 602 A, states I have the RIGHT to privacy.. 15 U.S.C 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ATG Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a second complaint again st ATG C redit for another account they recently added to my credit report. I received no notice that this was being added to my credit, I only found out about this account when I discovered they had already reported it to my credit. The account number according to my report is "  XXXX  '' and the balance is {$6700.00}.     I do n't know what this debt is for but this is not only time a company has come after me for this debt. I have already dealt with  XXXX  other collection companies who are also actively pursuing me for the same dollar amount on a debt that is not mine.  XXXX  of them was called  XXXX   XXXX   XXXX  with an account number of  XXXX  and another collection company was called  XXXX   XXXX  with an account number of  XXXX . They are also reporting this same account on my credit report. I am including a screenshot from a recent report which shows how these other  XXXX  collection companies are reporting this same debt on my credit. I do n't understand how this is even possible. How can this company decide not to send me a notice of a right to dispute this debt AND report this debt again on my report for a third time??? I have never been provided with validation of these accounts from any of these companies. What scam are these places trying to play on me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After making on time monthly payments, DiTech has decided to report me XXXX payments late to the credit bureaus. In addition, they continue to state i owe monies that i do not know. they claim it is due to escrow shortage however, my escrow statement from XXXX/XXXX/16 shows an overage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Unable to receive my free annual credit report from experian.

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 2021-09-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EXPERIAN IS FAILING TO UPDATE MY ADDRESSESS IN DATE ORDER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My wife and I opened a business account with BBVA in late XX/XX/XXXX ( I believe XX/XX/XXXX ). We a debit card and two credit cards. We closed the business account and credit cards in person at the local bank where we originally opened the bank account and cards on around XX/XX/XXXX. Around XX/XX/XXXX we received a call that we were in collections at BBVA for a charge on a credit card. When I called BBVA they told me I had a charge on a credit card, and after talking with the credit card department and fraud department, it was determined that the charge was fraudulent. BBVA told me they would call in 90 days with the resolution. They never called back, so I called the bank in XX/XX/XXXX. In XX/XX/XXXX I was told that in fact multiple additional accounts had been fraudulently opened and multiple charges existed. The bank refused to send some charges to the fraud department because we had waited too long to report the charges. We had not been notified about any charges other than the charges in collection, and when I called in XX/XX/XXXX, they said no more charges could occur on our account ( an account that the bank failed to close in XX/XX/XXXX ). The bank also refused to close multiple accounts despite the fact that some of the accounts were opened fraudulently. I was told that the accounts cant be closed with a balance, so to close the accounts I paid the fraudulent charges, however the bank continues to not close some of our accounts. In addition to the above, multiple people at the bank give us different information about accounts under our name and at this point we do not know how many accounts exist under our name at the bank. This is truly a nightmare for us and the bank is not helping and wont ensure that more fraud does not occur on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I filed bankruptcy in XX/XX/XXXX not XX/XX/XXXX and I have never lived at XXXX places shown on my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Information belongs to someone else

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
EXPERIAN 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 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 explanation
Consumer complaint received 2022-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I had a person reach out on XXXX for a commission ( XXXX XXXX, @ XXXX on XX/XX/22 ) and she also said she was from XXXX XXXX, UT ( Address : XXXX XXXX XXXX XXXX ) and so I thought she might've known me through a coworker. When the details came to payment, she said that she couldn't use any of the money transfer apps due to some fraud issues there. I've been dealing with a lot of fraud on my credit card lately and didn't see that as an issue. She said she could pay me via check but the minimum amount she could write one for was {$1000.00} and so I'd have to refund her {$750.00}. 

When I deposited the check, I had heard about fraud causing checks to bounce when a person writes a knowingly bad check, so I called my bank ( USAA, XX/XX/22 ) to make sure this wouldn't happen. They had said the check was deposited and I thought that meant I was good to go and so I then sent the XXXX transfer. I later got a strange email that made me suspect that this was a scam after all, so I XXXX what to do, alerted my bank, and tried canceling both the check and the transfer. The check was later officially declined and the resolution of my XXXX transfer was found to not have any issues, despite the fact that the only reason I proceeded with the transfer was that my bank said it was okay. Because of this, I re-opened the claim about the transfer ( XX/XX/22 ) and asked for them to include the phone call I had made to them as part of the dispute. Their reasoning was that I authorized the transaction, but my reasoning is I wouldn't have authorized it if they didn't tell me it was okay. 

The XXXX transfer dispute was once again found to not have an issue and so I called USAA again ( XX/XX/22 ) and was escalated to the fraud department. It's been a week and I should have heard back by now and so I'm worried that USAA will still find no issue on their end and that with all this time passing, I have even less of a chance to have my money returned. I also tried having XXXX send me back my money, but she keeps having idiotic reasoning about why she can't unless she has my bank login info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
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: Account information incorrect

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.

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 2015-05-21
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal, without authorization from me, made a hard pull on my credit file this year, affecting a mortgage I am in the process of getting. It was for their PayPal Credit service. They denied any wrongdoing, told me I willingly accepted the terms, and after an investigation I demanded, told me that they found no wrong-doing and denied responsibility. They have canceled the account but the hard credit pull remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A certified letter was sent out and received by the company on  XXXX   XXXX  and  XXXX   XXXX .   The letter was disputed payment information and validation of the debt. The company failed to respond and mark the item disputed. I also have a record of a call before  XXXX .   They have violated the FDCPA and the FCRA of up to {$3000.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MS
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 ACTXXXX 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 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 have violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company 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 2016-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX rental furniture picked up their stuff and was suppose close this account and I was not to be charged any other fee 's per XXXX I could even rent in the future if I needed to. Then why would this charge off be on my account. 
XXXX RENTS CHARGED OFF ACCOUNT XXXX INSTALLMENT {$400.00} XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: WI
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX DEPT OF ED/XXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT EDXXXX, # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2017-05-24
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On  XX/XX/XXXX  I received a phone call from (  XXXX  )  XXXX  which I believe to be a spoofed number. The person on the phone claimed to be an attorney named  XXXX   XXXX . She stated that I had an unpaid loan from check  n  go from  XXXX  and that a warrant was being issued today for  XXXX  counts of check fraud. I had  2 h ours to wire some money ( 4 times the amount of the original debt ) and then they would tell the district attorney to cancel the charges. I questioned them on their story and she got agitated and hung u p. 20 mi nutes later I get a call from the actual number of  XXXX   County Sheriff De partment with someone saying that they just got a fax from  XXXX   XXXX  and they were going to issue a warrant for me because I hung up on the law office, but I still had an hour and a half to pay  XXXX   XXXX  and they would cancel the warrant. I told the individual posing as a Sheriff deputy on the phone that I would not be paying anyone, because last time I checked you could n't pay to make warrants go away, she hung up on me. Then I called the supposed law office back and questioned this  XXXX   XXXX  about the amount, asked her which law firm she was with, where they are located. She would n't answer any of these questions and hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech gave me written approval for a loan modification, then came back right before the third trial payment and stated VERBAL by way of a phone call that they modification should have not been approved ; stating that there was a glitch in the system why it got approved. I have submitted all of the trial payments on time, then they voided out the modification and it was apparently listed as cancelled in the system because it would not allow their customer service representatives to process my XXXX XXXX, 2017 payment. I called several times, leaving messages in the mailbox for the account representative assigned to my case, and also the the non-profit company that assisting me with the making home affordable program contacted their contact personnel by email on several occasions without any response. I called back on Tuesday XXXX XXXX, 2017 and demanded to speak to a supervisor. At that time I was informed that " the underwriter went in and placed some notes '' in my file. I was then able to make the XXXX XXXX, 2017 payment. 

Ditech has been very fishy with responding or giving information or clarifications when requested. In addition cancelling the modification twice with no concrete reasons, or justifications, then blocking the account so that payments can not be made? i have then all that is being requested of me ; as within my abilities to secure a modification.Then to make matters I was advised that they had a pending sale date of XXXX XXXX, 2017.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Lincoln Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation