BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: MN
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX  data breach and might are becoming into the fingers of the wrong person.

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 2022-04-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: CT
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:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX 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 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 item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I taken a small loan out with XXXX  via online. I agreed to payback XXXX however I was not able to payback loan and it was sold to 3rd party company. I paid XXXX on XX/XX/XXXX to collection agency who verified my payment. XXXX acknowledged they received payment confirmation however refuses to close my account and still has my account in negative but active status. As of today my account reflects that I owe {$360.00} due date of XX/XX/XXXX and XXXX  days past due. 
This reflects negative on my credit report and also prevents me from obtaining loan from other businesses. I asked XXXX multiple times to close my account and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Klarna AB
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I switched banks and had one of my payments fail, after the field payment, I paid off all of my debt with Klarna. Yet even after paying everything off, I cant make any purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Essential Lending Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX XX/XX/2023, I was pre approved for a small loan. I only applied for a loan due to being out of work for medical reasons. I signed the loan documents and called to finish the process. I was told my application would be denied because I needed 3 months of paystubs. The problem is, Wise Loan does not specify this information until AFTER you provide them all your personal information such as SSN. The other problem is the requirement for 3 months of paystubs is NOT annotated anywhere in the loan documents OR on the application on their website. So this company has my personal information and then decides to tell me I need 3 months of paystubs after the fact. To add, I dont have access to any signed documents and they dont email you any copies. Seems suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I filed a complaint with the Consumer Financial Protection Bureau against Capital One and then in retaliation, they shut down my credit card account. This account I've had for over 3-4 years, always paid on time with no issues. After I filed the complaint, they sent me a letter shutting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt in full to XXXX XXXX XXXX even though it was not owed. This property team is a third-party company hired by my property manager. The property manager and the property team were in a legal dispute for years. I was caught in a little dispute and that was apply to my credit even though I did not owe this money.

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 2020-04-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First and foremost, I know in lieu of the corona virus we are all facing difficult & trying times. The Banks are closed and business can only be conducted through atm or direct deposit. Which is a good move and I am totally fine with the Govenors decision. 
On XX/XX/2020 I deposited a check in the amount of {$2700.00} at the Atm on XXXX XXXX in XXXX, PA. 
The amount came out of my husbands XXXX account the next day. 
Yet for the past week when I go on line the funds are on hold. I called the bank, 40 minute hold time. I drove down to the branch yesterday XX/XX/XXXX,. I asked to speak to the manager the time was XXXX he was kirt, sny and very condencending. I was gravely insulted. not to mention, I have a history a XXXX XXXX XXXX. I was so upset I was worried for my life. 
He mentioned I may have a history with the bank.I do have a history of banking with TD bank for 18 years with no problems. The manager was a male who would not give me his name. I was at the drive through. ( corona virus mandates ). The manager was very unprofessional and upon my visit with proof the funds had cleared, This whole situation should have been avoided. 
Please do not hesitate to contact me with any questions or concerns regarding this matter. Thank you for your time and consideration regarding this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ciitbank completed a compliance investigation that was required by law. According to the Citibank customer service department the investigation was completed satisfactory and the account blockage should be removed within 48 hours. However, the checking account was blocked since XX/XX/XXXX, and I have not being able to use the funds or withdraw the funds to close the account. 

On XX/XX/XXXX, I visited the Citibank Branch and met with Citibank XXXX XXXX XXXX XXXX XXXX ( XXXX ). I explained XXXX that the the compliance investigation started in XX/XX/XXXX and that I have provided all the documentation requested by the Citibank department. On my last conversation with the customer service department, they confirmed that the investigation was completed and that the removal should be process within 48 hours. XXXX reviewed my account and contacted several people over the phone and confirmed that the compliance investigation was completed satisfactory and that the blockage should be removed. However, He was not able to obtain a removal of the blockage of the account. 

Citibank is holding {$3200.00} fund in the account which i can not have access to even after requesting the closure of the account.

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 2020-04-02
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:
I have item that on my credit report and i unable to upload the FTC report on experian credit file im getting a error messages on there end and im need some assitance and cant get hold of experian i have one fraudlent account that on my credit file i need to remove and blocked which is XXXX   XXXX and im uploading a FTC report to send off to the 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 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
While on vacation in XXXX on XX/XX/2020 I received a Fraud alert text from Capital One Bank to my cell phone at XXXX XXXX asking me was I attempting a {$2000.00} transaction on XXXX XXXX   to XXXX, at XXXX XXXX  I replied NO immediately I contacted the bank because my debit bank card was immediately shut off by the bank. I explained to the customer service fraud representative that I was on vacation and I was not sending funds to anyone on that day I was given a case number # XXXX as they would be working on the situation. On Monday XX/XX/XXXX I went into Capital One located in XXXX on XXXX XXXX. at that time I was told the account was still under investigation. The bank issued what they describe in my account as a XXXX credit until they complete the investigation, I received a letter from Capital One Bank dated XXXX XXXX stating that no error was found in the investigation and they would be recouping the {$2000.00} from my account on XXXX XXXX. The letter stated if I found that the decision was not correct I should call XXXX to speak with a representative and I did on XXXX XXXX @ XXXX XXXX  and spoke with XXXX regarding the investigation decision that is not accurate and I was told that this case would go back for further review, well as of today the bank took my money and they are at fault for any breach to that account because I did exactly what they asked me to do replied NO immediately. I do hold Capital One Bank responsible for this issue because on the initial date of occurrence the fishing of funds in my account started with two attempts to withdrawal XXXX that they did decline and a total of three attempts to withdraw these XXXX this bank has failed to protect themselves and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I ask XXXX, Experian and XXXX 60 days ago on XX/XX/20 to remove inaccurate accounts 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 explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: AMERICAN EXPRESS COMPANY
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:
Number 1 : I made a reservation with XXXX XXXX XXXX XXXX in XXXX NY Almost XXXX years ago. I had to cancel the reservations because of travel restrictions implemented by the XXXX of NY. I called the hotel directly and spoke to the owner and canceled my reservations over a week before the date. I was charged with a " no-show '' fee even though I spoke directly with the owner. I contacted American Express and disputed the charge. They said the charge was " valid ''. I never authorized XXXX XXXX XXXX XXXX to charge my card, but American Express charged my card anyway. I want the money that was stolen from me and allowed to be illegally charged by AMEX. 

Number 2 : I sent in a payment last month even though a payment was not due because I knew there was a charge coming up. I sent the payment on the XXXX of XXXX. AMEX held the payment until the XXXX of XXXX before they applied the credit to my account. They were allowed to charge me for interest because they decided not to apply my payment when it was sent.

Company response to consumer: Closed with explanation