BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
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 reviewed my credit and seen these 3 accounts on my credit report that do not belong to me so i added a fraud alert and filed a FTC report and a identity theft victims complaint and affidavit so i can have these fraudulent accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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:
XXXX says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX  accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on statement..no date on when maild payment due XX/XX/XXXXpaid through automatic payment through my bank how many days in this billing cycle? 
why are the number of days in cycle not stated on billing statement? 
accrued interest statement.. {$67.00} how much interest did really pay on this months payment? 
if different than XXXX..why is this not disclosed on statement? 
how much did i pay toward principle? 
what is pay off amt? 
if i pay off total amt next month,,, how much would i have to pay? 
i 've made XXXX payments..how many more do i have. 
how are you connected to XXXX XXXX in XXXX? .when i have asked to speak to president that 's where they direct me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Good Afternoon, I have an American Express Serve prepaid card in which I allocated my direct deposit to this past week of XXXX. I called and confirmed with the Customer Service agent at Amex Serve if I was able to receive a deposit over $ XXXX ( since I was getting my bonus ) and she did confirm that this was fine as long is it didn't exceed $ XXXX. I received two direct deposits on XX/XX/2021, the first was for {$3700.00} ( regular payroll ) and the second was for {$11000.00} which the latter was my bonus payment. Both deposits were from my employer, XXXX XXXX. I was able to access my funds within an hour of deposits however during the course after midnight my account was locked. I called American Express Serve customer service and they directed my call to Account Protection Services for Amex Serve. Account Protection informed me that my card was permanently locked/suspended. I've received no clear reason as to why this has happened. I have reached out over 10 times since XXXX to Account Protection Services ( XXXX ) but constantly get the run around that they are reviewing my account and will provide an answer within 1-2 business days. Today I was told I may have to write a letter to find out the reason?? This is unfair banking practices in that I can't access my funds to pay bills etc., and they are keeping me from accessing my money. Per their customer agreement, direct deposit limits are up to $ XXXX for the entire year. 
I've further researched the internet and found similar complaints in which there are several cases in which Amex Serves suspends an account and makes the customer write a letter to find out this reason without any clear answer as to when one could access their funds. I am writing to request help in escalating this matter to receive my funds. I have not had access to my funds since XXXX XXXX XXXX XXXX with no clear answer as to when I will be able to use my card again. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Credit determination

Complaint:
I was sent a citicard pre-aproved invitation for their double cash rewards Master Card. This is the second XXXX they sent. When I went online to accept I was denied a credit card with them. Now my credit score is affected because I took their word that it was already pre-approved. Two times they have done this. I need these applications for pre-approved credit removed from my credit history. Can you do this for me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Describe what happened so we can understand the issue ... 
Summary : I am demanding that Experian remove XXXX XXXX account XXXX from my credit report. Instead Experian is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Experian is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Experian received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Experian has failed to take action or acknowledge receipt of the findings and judgment. Despite proper legal notification of the court finding that I am not responsible for this account Experian has not removed the account from my credit report. It is my understanding that consumer credit bureaus are obligated to respond to dispute requests. I am filing this complaint because I believe Experian is attempting to improperly avoiding it 's legal communication and reporting obligations.

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 2015-06-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I bought what I thought was my FICO score from Experian in XXXX 2015. I paid {$4.00}. As it turns out I was enrolled in a credit monitoring program without my knowledge. I called and cancelled the program on XXXX XXXX, 2015 at XXXX XXXX EDT speaking with XXXX and her supervisor XXXX. They agreed to refund XXXX months premium of {$19.00} back to me but refused to refund the XXXX months premium. I feel I was slammed with this as I had no idea I was signing up for this service and only thought I was was buying my FICO score. I feel they are using deceptive practices to sell this monitoring program. They then make it as difficult as possible to elevate the problem to a higher level. I request that you investigate Experian 's business practices with regard to this and I would like my full refund of the additional {$19.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free annual credit report and upon ID verification it asks about an auto loan and also a student loan. I have never received any type of loan in my lifetime. Please help me get to the bottom of this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize, nor benefit from any of the inquiries Equifax is reporting. Under section 604 without my written consent these inquiries are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see the attached letter sent to SPS. 
Another notation is they never provide any specific written requests for information - it is always phone calls from different individuals. Makes us feel like they are shady!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
In my credit reports it has me as having multiple identities. My Name is XXXX XXXX but also comes up as XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( 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 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.

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 2015-06-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Dear Sir / Ma'am, I had been a credit card holder of HSBC for years. On XXXX XXXX, I received a letter dated XXXX XXXX, 2015 from HSBC indicating that my credit card account had been terminated. The letter stated that I must send balance payment to such account of which I did. However, HSBC would not allow me to claim gifts or reimburse me for the points I had earned by using the card. I called but was notified that HSBC would only allow existing customers to claim prizes through the points. The issue here is I have XXXX points which is equivalent to a value of {$1700.00}. No advance notice was given to me prior to their decision of shutting down my credit card account, nor had HSBC automatically converted these points to credit my account. I do not agree with the banks improper decision of terminating my account without giving me ample time to manage my earned points. I appreciate your attention to this issue and look forward to receiving your comments / help in order to get back what I own.. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Universal Payment Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went onto the Experian website and authorized a {$1.00} payment for my annual credit report. I was unaware that I had agreed to sign up for account monitoring until I saw a monthly charge of {$21.00} on my checking account. I did not authorize this charge and have since gone online and cancelled this account they tricked me into opening but they refuse to refund my {$21.00}. This is highly unethical especially considering they are a credit reporting company.

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 2016-09-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The name XXXX XXXX has been on my credit report for a long time and needs to be removed. I do n't know this name and have never used it. thanks!

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 2016-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I would like for inaccurate person information be moved from my report. I would like for my report to be updated with the correct information

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 2015-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX/XXXX/15, I signed up for a 7-day trial period for Experian 's Credit Tracker. On that same day, I was able to see my FICO score. However, I was not able to print my credit report. Three days later, I once again attempted to print my credit report, but was unable to do so. At this point, I contacted Experian 's customer service department - I spent over XXXX minutes on the telephone with the analyst, and was still unable to print out my credit report. The analyst told me that they had not seen this issue previously, and submitted a ticket to investigate the problem. She provided me with a confirmation # XXXX for this issue, and told me to wait two or three days and then attempt to print out my report. On the evening of XXXX XXXX, I tried once again to print out my report, but was not able to do so. The problem had not been resolved. Then on XXXX XXXX, I sent an email to Experian requesting that they cancel my membership due to the fact that I was not able to access the printable credit report. However, on XXXX XXXX, Experian charged me {$21.00} for the XXXX month of service - when I called Experian that same day, they refused to reverse this {$21.00} charge, even though I told them that I was not able to access the printable credit report. I told them they, in my opinion, they were committing fraud by charging me for a service which I was not able to fully access. Nevertheless, they refused to reverse the {$21.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: I.C. System, 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:
On XX/XX/2021 IC System collection agency added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research this account was transferred/sold and i am no longer responsible for the account. IC System did not verify this collection. Also, there was no written form of communication, contact or signature. For this accused debt at all. A bill without signature does not validate the debt. And anybody can send a bill and say its mine. According to the FCRA IC System has valuated my rights as a consumer and i'm requesting legal action to remove the accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Have a loan with Springleaf Financial. When loan was taken out, we were told to pay for 1yr on time and we could come back for the extra XXXX we originally asked for as we were cleaning up our credit. When that year was up, we did ask for that increase and even though my credit score had NOT CHANGED, nor had any other info really changed, I was told they are " looking at it differently and could not do the increase ''. At that time, given that they had said there would be no issue, I had made arrangements to pay off two cards one of my children left a balance on and so could not pay both those and the Springleaf. I asked for deferrment of one month of payment. Was NEVER told in writing or otherwise that there was anything else we needed to do until 3 wks later when payment was already very late. At that time, given how I was spoken to my wife contacted the corporate office of Springleaf to help get resolution. The issue was we felt this was a bait and switch situation AND the fact the manager would not let us get a call from her supervisor. Something fishy going on. Too many different things being told to us. I faxed a ton of paperwork to XXXX XXXX at the corporate office. The biggest issue now is that this company is showing us to have missed TWO PAYMENTS. One should have been defferred as they promised via email and phone and the second was actually waiting to hear back from corp office AND get the correct account number as that had changed. This is not ok and this company should not be allowed to incorrectly report this account. They are not telling the entire story which involves ME WAITING ON THEIR CALLBACK!! This account should not show a late payment at all. Plus - how the change they way they score never made sense and feels very shady. We have proven that our scores never changed. That is what the said things were based off until we asked for what they promised. I want this account to reflect the TRUTH and not late payments. We were working with them to resolve issue AND had to wait on THEM to give account number when it changed. SHOULD NOT SHOE LATE!! Please help us get the reporting accurate as this is impacting my credit. If needed I can supply names and number of person at corporate office we dealt with. This is such a bait and switch thing and it is not ok to mess up credit!

Company response to consumer: Closed with explanation