BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-06-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
-Currently reporting inaccurate information on my credit report. 
-Currently reporting the same account under two different account numbers. 
-Both accounts are missing important information, account was paid in full for less amount -I have been denied a Mortgage due to the impact of the two inaccuracies -XX/XX/XXXX dispute was faxed and I have called to get updates. I haven't been able to get any useful information other than being told we have 30 days look for a response around XXXX XXXX. 
- Account was paid XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: WLCC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, of XXXX, Explore Credit debited {$680.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe CitiMortgage and XXXX/XXXX XXXX  as " alleged Servicers '' engaged in an ilegal transaction carrying my name Back in XX/XX/XXXX/XX/XX/XXXX going beyond their capacity as " SERVICER '' a capacity as the original deed said Belongs only to the OWNER/INVESTOR of the Documents Deed as it states PAGE10 SECTION 18.

Also the amount Transferred or sold its different from the amount when I got the original Documents back in XX/XX/XXXX. I don't know why CITIMORTGAGE made me sign a different amount that the original amount when I got the original Loan Documents it was for $ XXXX  with XXXX XXXX   and Citibank Made me signed with them $ XXXX  as you see the amount differs.

( It could be because my native speaking language is XXXX and I didn't realized what I was signing back in XX/XX/XXXX, It could be I was taking advantage because I don't fully or understand English ) .I found the original documents I found this information related it to. This complaint inquire is related with the other 2, I filled against the Alleged Servicer XXXX/XXXX XXXX   XXXX  and XXXX.

So when I sent it CitiMortgage a QWR they couldn't validate the correct amount of the debt in this Mortgage account.

I'm attaching the proper documentation because I believe I paid from XX/XX/XXXX  up to XX/XX/XXXX more money for an amount it differs from the ORIGINAL DEED.

I would like the CFPB regulators look into this matter because to me its no right This its UNJUST ENRICHMENT as the other alleged servicer said they cant not provide information where my money its going, they just said the Investor is 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 2023-08-10
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:
I did not authorize nor consent to the following inquiries being furnished on my consumer report.700 credit 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: CO
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:
We had an HVAC installed in XXXX of XXXX, and were required to provide our CHASE VISA credit card because the company sent the wrong machine to our son 's home in XXXX, Oregon. Meanwhile, we had made arrangements with the company ( XXXX XXXX in XXXX, OR ) for an interest-free monthly payment plan with the bank ( XXXX Bank ) with which XXXX had XXXX special payment arrangement. Despite that consummated agreement, XXXX went ahead and charged the entire amount due ( {$9800.00} ) to our CHASE VISA card on XX/XX/XXXX. For some reason, CHASE did not deduct this amount from our credit union checking account until XX/XX/XXXX. We immediately protested and entered into a back-and-forth disagreement with CHASE that is STILL occurring in XXXX of XXXX - despite dozens of phone calls, faxes, letters, etc. demonstrating that we were, indeed, paying XXXX monthly. Meanwhile, efforts to get CHASE to talk to either XXXX or the owner of XXXX have been fruitless. CHASE continues to say that it is " our responsibility '' to pay the {$9800.00} '' to them. Also, all efforts to get XXXX XXXX to repay CHASE have been met with either denials or a lack of accurate payment/reversal information, due to terrible bookkeeping. We are senior citizens on a fixed income, and we face the threat of having our checking account drained by CHASE at any moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!

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 2020-08-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 my Bank, Santander, debited my account for a Remove Adj Covid Stimulus Payment in the amount of {$170.00}. I called the bank and asked them why they did this? They could not find my stimulus payment, as I never received one. Additionally, I paid overdraft fees in which they presented to the public, they were waiving. Their response was they dont know why it took so long to debit this charge and that it should have been done by XX/XX/XXXX. They claim that it was a credit to benefit me when I started receiving my unemployment benefits that were being direct deposited. Why would the transaction of XX/XX/2020 indicate Covid adjustment, if it wasnt that?

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2020-08-06
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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}

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 2020-12-14
Company: EQUIFAX, INC.
State: AL
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 disputed two accounts twice with all credit bureaus, Equifax, XXXX and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX  was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with Equifax. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with Equifax, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ChexSystems had no option to correspond yet I keep getting emails about corresponding. The link provided takes me to the front page of their website. There is no account options for a individual to open in order to receive direct correspondence. 

I am being denied XXXX opening a bank accountdue to my credit report allegedly. I requested my report. And there is ABSOLUTELY NOTHING IN MY REPORT HISTORY IN REGARDS TO OPENING A BANK ACCOUNT EXCEPT THE XXXX XXXX OVERDRAFT CHARGE OF {$130.00} THAT I HAVE ALREADY FILED COMPLAINT ABOUT TO CFPB. REFERENCE TO MY COMPLAINT HISTORY. 

XXXX XXXX FRAUDULENTLY ALLOWED UNSURPRISED TRANSACTIONS ON A ACCOUNT THAT HAD INSUFFICIENT FUNDING. 

PLEASE REMOVE THE XXXX XXXX OVER DRAFT FEE THAT IS ABSOLUTELY ILLEGAL AND REMOVE THIS DEROGATORY MARK FROM MY CREDIT REPORT CREDIT REPORTING THAT IS VALIDATION FOR CHECK CASHING ABILITIES, EMPLOYMENT ( although I have NEVER had my employment history reporting reviewed for potential employers ONLY CRIMINAL HISTORY LOL ) and never has my CREDIT REPORT AFFECTED MY CHECK CASHING ABILITIES OR OPENING A BANK ACCOUNT. IM NOT WRITING THE CHECK, WHY DID MY CREDIT HISTORY EVEN BE REGARDED? WHY IS MY CREDIT HISTORY BRING REGARDED FORT OPENING A BANK ACCOUNT?? HOW DOES DEBT COLLECTION REGULATE A BANK 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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

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 2021-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm lost for words about this company trying to collect a debt I paid with the original creditor. I am requesting full validation on this account and had requested from the original creditor and they could not provide it. I have a feeling they sold it knowing what they have done. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, we signed the paperwork with XXXX XXXX, XXXX Design Consultant @ XXXX XXXX, for window replacement/installation project in our summer house in XXXX, NY. I opened a Home Depot credit card as part of the deal and began repaying the deposit for this project ( XX/XX/XXXX - {$500.00} ; XXXX - {$200.00} ; XX/XX/XXXX - {$200.00} ; {$900.00} all together ). In XXXX, we got our windows measured by another XXXX XXXX employee. In XXXX, we scheduled the date for installation - XX/XX/XXXX, Saturday. We were very specific about a Saturday appointment as we live in XXXX and can only come every other Saturday. For the past XXXX weeks ( before XX/XX/XXXX ), we would get reminders a few times a week- via text messages, e-mails, and voice mails- about the upcoming installation date asking us to be in the house between XXXX and XXXX a.m. and reminding us about the importance of removing everything XXXX feet away from the windows. As law abiding and loyal customers, we came Friday night ( XX/XX/XXXX ) to follow the instructions. At XXXX (!!! ) a.m., we got a phone call from XXXX XXXX ( XXXX ) who told us that they had to cancel an appointment since they didn't have installation crew... He failed to answer when I asked him if he had found out about that issue at XXXX a.m. on Saturday. We were upset to the point my husband had to take his XXXX XXXX XXXX medication and pain relief pills. It was so unacceptable and unprofessional on the XXXX XXXX! 
We explained to XXXX XXXX that we are not available in XXXX- the whole point of that project was to get the windows replaced before winter. I tried to reach someone at Customer Service to get help. It was not easy as it was Saturday. I spoke to XXXX ( XXXX XXXX at XXXX, ext. XXXX ) who assured that XXXX XXXX ( XXXX XXXX ; ext. XXXX ) would give me a call the first thing on Monday, XX/XX/XXXX. Today is Monday XX/XX/XXXX ; no one has contacted me. I had to call these people myself : XXXX did not pick the phone and did not return my message ; XXXX again promised someone would contact me. 
Now, I am trying to close the XXXX XXXX card and get my money back ( {$900.00} ). Credit Card XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. 
Please assist us to cancel the deal, close the credit card, and get the money back. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
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: Was not notified of investigation status or results

Complaint:
credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 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 non-monetary relief
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police 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 2022-12-19
Company: Future Judgement Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FJSglobal says I owe {$1300.00} to XXXX XXXXXXXX XXXX, they say its a charge off,,, I never did business with any XXXX XXXX XXXXXXXX 

Now this FJSGlobal wants me to set up payment arrangements to pay off this debt or pay a one time settlement if XXXX 

I sent them an email message that they have the wrong person or they are creating fictitious debt to people to pay on something they do not owe. 

This phone call from FJSglobsl was received on XX/XX/2022, so I went online and saw the information in my name regarding g a XXXX XXXX XXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief