BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: NC
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:
Dear Mr. President may this letter find you and your family in good health. 
This letter is to inform you that I XXXX XXXX have been a excellent credit card customer with Goodyear Tires for the past 8 years and present and never had a late payment with Goodyear tire nor any late with any of my credit card companies. 
In Light of the Global Pandemic I experience a difficulty with Goodyear online payment center in trying to make my {$28.00} payment I was not able to log on your system, I try calling could not contact anyone that day of XX/XX/2020 then I continue to call still I could not get in contact with anyone, when I finally got through it was on a recording and I was on hold to speak to alive person for 2 hour. 
When a customer service representative did pick up I informed her of the situation that I was trying to make a payment for the last 3 days and was not able to get through evidently the rep. I was speaking to did not care and I ask her why was my credit card limit was decrease she said the computer automatically decrease my limit from {$2300.00} to {$700.00}. I inform her I was trying to buy a tire because I had an emergency I had a blowout tire on my car I went to Goodyear tires to get the tire fix to learn that I did not have enough money on my credit card to get the tire fix it was so embarrassing that my limit was decrease without forewarning, I ask to be transfer to a supervisors she was very rude to me she indicated to me that my credit was decrease because I was late even though I called 3 or 4 days earlier trying to make a payment and was not able to get through your online system. I finally was able to make my {$28.00} payment. 
Doing this Global Pandemic I understand what we all are experiencing, But I have been an excellent customer with good year tire and I value my credit worthiness I feel I was disrespected and mistreated my Goodyear representatives. Please investigate this matter and please reinstate my credit limit back to {$2300.00}. 
Doing this pandemic even the credit bureaus are not reporting late payments The president of the United States even ask all credit card companies to work with their customers due to this pandemic Please Mr. President on Goodyear tires have your credit department raise my credit limit. 
Sincerely Miss 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 monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
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 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 2021-08-06
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have been trying for the longest to get Shellpoint to correct the incorrect balances and payments reported to the credit bureaus. In the attached you will see that our loan was Service Transferred to them on XX/XX/XXXX. At that time the loan had a balance of {$190000.00} - We had made 17 consecutive payments since that has the account showing no late payments. Yet the account is also showing in the payment history various higher balances that in no way could be related to our loan. Starting from a received balance of {$190000.00} to an transferred balance of {$180000.00} after the last payment on XX/XX/XXXX and before it Service transferred to another servicer.

It has been near impossible to get Shellpoint to correct the payment history, that also shows balances of {$190000.00} - {$190000.00} - {$190000.00} - and several balances of the {$190000.00} amount. These balances are impossible to understand from a starting balance of {$180000.00} to and ending balance when transferred, and there are none of the high balances on any of the monthly statements, yet they continue to report to the credit agencies balances that are not related to our loan. And they not reporting the actual payments amounts that are important to show that the loan has been paid correctly for the 17 consecutive payments that were made that we should be seeing reported to the credit agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-12
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Possible Financial Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been making my payments online every month on time and they are falsely reporting late payments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 


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 2021-08-26
Company: KEYCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/2021, I had two money orders made for payment on a security deposit and 1st month 's rent. Two checks were produced for {$1400.00} and {$2100.00} from Key Bank at their XXXX XXXX XXXX branch. These were mailed using USPS. 

On XX/XX/2021, the property manager for my apartment complex informed me that they never received the checks. I have made significant efforts to stop payment on the checks and have the money returned. I have since made new checks made to my property manager using a new bank. However, I have been unable to rectify my issue with Key Bank. The crux of the issue is that the national customer service has no authority and the local branch has not answered their phone. I have called and left messages ~5-10 times per day from XX/XX/XXXX through XX/XX/XXXX. I have spoken with the specific department as XXXX ( the money order processor for Key Bank ) and they indicated that I must have the local branch initiate the process. I am concerned that the local branch is being negligent of their responsibilities and is effectively stealing this money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Dividend Finance Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX for Solar Panels, Dividend was and is a part of XXXX XXXX XXXX XXXX XXXX They misled their customers by performing fraudulent loans on Solar Contracts with consumers with malice intentions on consumers in GEORGIA! The solar panels never worked for us, we got them installed in 2021! Please research the company before you do business with them! XXXX XXXX XXXX XXXX XXXX have victims, XXXX these companies, you all can verify what I am saying is true! The Solar companies filed bankruptcy and we dont have no one to fix the equipment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a dog training package and put a deposit for such course in XXXX. After careful consideration XX/XX/2021, I decided not to proceed with the purchase and requested for my funds to be returned. Within that same week the dog died. Making it that much understandable that I no longer had use for the service. I revoked authorization to charge with the company and requested for funds to be returned. I never heard back from the owner or any of its said employees regarding the matter. I do not have money to give away and it's not fair for the bank not get my money back when I never received a service and revoked authorization to charge. The bank said that there was no error when if fact there was and I reported this as soon as I was able and have tried numerous times to get the money back from these crooks and its not fair that BB & T is the only bank that has this type of policy where it wants the customer to do all of the work when it comes time to dispute a matter. I work hard for my money and I trust them to do as I say with my funds. They do this every time as if they have no concern to even invest the time to help serve us as the client. I have had other complaints where I had to work hard and get the money returned on my own. They are the ONLY bank that does not formally conduct and investigate and even attempt to retrieve funds back when there is a dispute. Lastly the money was a deposit and not a finally payment and was supposed to be returned either way and that never happened there is no signed contract and I want my money back. I will be filing a complaint with the Maryland Attorney General 's office as well. However, I was told by small claims court to start this process first.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an alert from Experian on XX/XX/XXXX decreasing my score and my credit rating. There were no new inquiries or information stating why. Can not speak to a live representative with 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 explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
50 days ago, I sent a letter to Equifax. In my letter, I identified information that was reporting on eight separate accounts. I asked Equifax to conduct an investigation on the inaccuracies and respond back to me as soon as possible. As I understand it, they are supposed to respond within 30 days. But like I said, its been 50 days and they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I recently made a purchase, using my Capital One Platinum Credit Card. I made the purchase via XXXX to a Seller in XXXX. When I used my linked Capital One Platinum Credit Card, the Seller was charged approx. {$50.00} USD for the money transfer by XXXX. There was no notification alerting me that I would also be charged a fee by Capital One. I thought that I was making a Purchase, but Capital One charged me a Cash Advance Fee of {$30.00}, a Cash Advance Interest on that fee of {$4.00} & listed the purchase as a Cash Advance, which adds up to yet more interest, because it was listed as a Cash Advance & not a Purchase.I do not think that this is fair nor appropriate, because I was not notified in advance that this would be the case. I would appreciate very much if Capital One would refund my account the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Fee Interest & label this transaction as a Purchase, rather than a cash Advance. Suffice to say, I will never again use the Credit Card in conjunction with XXXX  nor XXXX, because it appears that when you do so, Capital One lists the transaction as a Cash Advance. I hope that Capital One will have a heart & just this once consider my position. Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went over my credit reports and I realized that there are some derogatory accounts that are being reported on my credit. These accounts are false and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 1.5 USC 1681 SECTION 602 States I have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instruction. 15 USC 1681 Section c [ a ] 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 conviction of crimes which antedates the report by more than seven years 15 USC 1681-2 [ a ] a person shall not furnish any information relating to a consumer to a consrmer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a account in XXXX and I had money in the account XXXX should be left in the account and I went to withdraw money from my account and I did then the next day they had locked my account and said they are closing my account and dont want to do business then when I talked to a manger at my local bank they told me to leave and that my money will be mailed to me in a check I never received it

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