BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became XXXX from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD  and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said 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 2021-10-11
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern, I took out a SBA loan ( EIDL ) for XXXX. Loan was approved the money was sent to my Citibank personal checking account. ( The reason it went to personal and not business ) The loan was done as a Sole proprietor. I used around 25 to 30 thousand dollars out of the XXXX. There was around XXXX left in the account. Citibank decided to close my account for no reason given. They said that they can close account at any time they want. I had no problem with that. The only problem I'm having is that they kept the money. They don't want to issue me a check for the remaining balance. They don't want to sent the money back to the SBA either. So the bottom line is that I have to start making payments on a loan of XXXX ( which is close to XXXX with interest ). And citibank is holding onto XXXX of my money and making interest on it for over 12 MONTHS.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries.

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 2021-03-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX 2021 my Best Buy card was used by someone who we dont know Best Buy online account for purchase for {$840.00} and order was shipped to different state we dont live or have anyone we know this order was ordered on my sons name I and my family we live in California and all previous purchases was orders and delivered ONLY in California we never lived in any other states ONLY IN CALIFORNIA this purchase was delivered to state of Illinois my son is XXXX years old born and lives with me in CAand he is my dependent and he doesnt have any access to my online account this purchase was made over night of times difference I found out about my account was used by Best Buy email Thank you for your purchase on XX/XX/2021 at XXXX XXXX my California timeI called Best Buy credit card right away and reported the problem explaining what did happened do my online account was used, despite claims were opened and after all I received letter from Best Buy Security Operations on XXXX letting me know so I am responsible for this charges, same time second issue happened with my account from Best Buy, I order a XXXX XXXX for my mother I made that purchase on Best Buy online account on XXXX XXXX on XXXX XXXX I received email same day and same time when I received email about {$840.00} email said my tablet was delivered and after all we never received a XXXX XXXX so second I opened two despute claims for {$840.00} what I didnt purchased and Tablet cost is {$100.00} what I never received after all letter what I received stating I am responsible for the payment of {$950.00} I am not paying a XXXX for what I didnt purchased and didnt received, also I have unauthorized VISA CARD witch is not my Visa card on my Best Buy online account on MY TOTAL TECH SUPPORT account this Visa card ending in XXXX NOT MY CARD ON MY ACCOUNT I dont know who this card belongs to so my Best Buy online account was used by someone one and I want that person be found and be punished charges for {$950.00} I am not responsible for this charges are not mine 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 monetary relief
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Hello, I have a few UNAUTHORIZED HARD INQUIRES on my credit report that I have NO KNOWLEDGE of ive contacted the companies of the hard inquires and get the run around. I also called TRANSUNION XX/XX/XXXX and let them know I am a victim of fraud and they are refusing to remove the inquires, stating there is no way for them to remove them. 
XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

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 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.

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 2023-09-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
We have a Buisness Loan with Wells Fargo ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). During XXXX we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXXXXXX There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I had been to my local Wells Fargo Bank in XXXX every week since this occurred. The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( XXXX XXXXXXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint XXXX XXXXXXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. I went back to my local Wells Fargo Bank and asked what to do. This went on for a month. 
Finally, I got a call from XXXX XXXX ( Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Telephone : XXXX Fax : XXXX. 
He took care of everyone but, I had to pay {$2000.00} as a code XXXX interest payment. We were told our mortgage had been extended/modified until XX/XX/2023. We made the requested payments. We were given doxumentation in writing that there was no fee for modification, no penalty & the paymenrs would remain the same. 
We just found out that Wells Fargo charged us 10 % per month or 120 % per year for not making our mortgage payments. This is extremely unfair if not ridiculous. It took a month for me going to the bank almost every wekk to get them to recoginize there was an issue.

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 2023-10-31
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is in reference to the dispute filed against XXXX XXXX  from XXXX On XX/XX/23 I was contacted by a local plumber service- that then quoted the amount & then I gave the gentleman my contact number were XXXX XXXXr XXXX XXXX This is who XXXX XXXX is! XXXX They quoted over the phone - also text messages from the picture attached. 
{$110.00} then the service call to be added {$63.00} a total of {$180.00}. 
I sat the appt upon arrival I was met with a gentlemen who gave me an XXXX which I signed for service. The quote was {$180.00} to repair a gasket around a basement pipe. I sat upstairs for the XXXX min until he repaired the service after the ladder arrived- his partner then ask for payment- I gave him my PNC debit card for payment of {$180.00} that I was quoted & at that time he said it was declined???? I then ask how much did he run it for bc at that current time there was {$390.00} in my account. 

He proceeded to tell me {$1000.00}!!!!!! I said no sir!! Are you insane- this was not approved or authorized- not to mention quoted. Basically when he swiped the card he took every DIME TO MY NAME bc the {$1000.00} wasn't in my account. So it took what I had which was {$390.00}! These XXXX can't even give you a tital bc they made it up!! They said {$390.00} bc if you will look that's what I had to take & all I had to take!!! 

This is a total scam & rip off! We then had words & I ask him to leave my home immediately- I placed a call to the police at that time- they finally left! Services not completed fully either!!!! 

I then called PNC where I was directed to call back after the charge post to my account which posted XX/XX/23! I went 2 days with no money due to this company!! 
I was given a provisional credit & told I would be emailed or mailed a letter to provide my side of the story & any evidence! Especially bc he lied about the total when arriving and singing then swiped my card for what they wanted to which WAS AM ENTIRELY DIFF AMOUNT and not what was promised & quoted!! 

I have been a customer for MANY MANY years WITH PNC! I have family that bank here bc we live all in the same community- I'm very disappointed I was done this way! I woke up Saturday XX/XX/23 to find {$270.00} was deducted from my account with no prior notices- emails- calls- mailed letters! ( Oh by the way the letter PNC mailed was in the mailbox that Saturday morning from PNC when you took the $!!! ) How terrible to do your loyal customer this way? I didn't get to provide any of my truths- evidence or side of the story on top of what I was promised! Just 3 months down the road PNC comes into my account & takes out the provisional credit that was given!!!!! Now Im overdrafted of {$270.00} now after you applied the other monies to the merchant! I have been with this bank 10 years - as well as my family and business associates!! Shame XXXX XXXX is a FRAUD & SCAM!

Company response to consumer: In progress
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on 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 2021-03-21
Company: Experian Information Solutions Inc.
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.

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 2021-03-21
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payment made XX/XX/XXXX for {$1200.00}. System said no payment due until XX/XX/XXXX. Payment system automatically took another payment on XX/XX/XXXX for {$1200.00}. Phone call placed to USBANK to correct this, and I was offered a return check that would arrive in 2 weeks or that the additional payment be applied toward principal. I opted for the XX/XX/XXXX payment be applied toward principal on phone call on XX/XX/XXXX... I still see no reflection of this in the ledger as of today although an agent confirmed over the phone that it was done again properly today XX/XX/XXXX. 

I want all applicable interest returned to my account as a credit. I am being overcharged.

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 2020-12-18
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I returned a vehicle to XXXX XXXX  off lease and picked up a new leased vehicle from the same dealer on XX/XX/20. The car was clean and dent free. Today I received a call from a collection agency ( XXXX XXXX ) stating that I owed {$660.00} on the returned vehicle. I never received any prior notification or report of any damage to returned vehicle. I was threatened with a judgement if I did not pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
File a dispute with Equifax regarding XXXX collection account verification in the amount of {$130.00}. On XXXX XXXX. Once the account was verifiedI contacted XXXX XXXX ( the creditor ), and was told the account would be delted from reporting upon full payment of the balance owed within 30 days. 
I paid the amount of {$130.00} in XX/XX/2023. However, didn't recieve the account deletion letter. 
On XXXX XXXX I filed another dispute with Equifax to remove the account as of today XX/XX/2023 it is still under re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: CarMax, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an automobile loan with Carmax Auto Finance ( Carmax ) The loan is due on the XXXX of each month and the funds come out of my account on the XXXX of each month. I have my payments made through my XXXX XXXX  automatic bill payment process. I have used this process since XXXX without any prior issues. 

The problem is that Carmax says that my payment for XXXX has not been made. However, my online checking account statement shows that the payment was sent by XXXX XXXX  on XXXX. I also have proof of payment documentation from XXXX XXXX  showing that the XX/XX/XXXX payment was made on time. On or about XXXX, I started getting calls from Carmax Auto Finance regarding the so-called " late payment. '' On XXXX, I called Carmax Auto Finance to tell them that the payment had been made and that I had proof of payment from my bank. I asked the customer service representative ( CSR ) if I could send them this proof in order to resolve the matter. The CSR stated that she had no way of taking that information. She advised me to call back Carmax in XXXX business days to follow-up. She stated that it would take that long for the accounting team to research the issue. I asked her to not have Carmax contact me about the late payment anymore because I had proof the payment was made in a timely manner. I also stated that my account should not be charged any late fees or penalties because the payment was made in a timely manner. 

On XXXX I called Carmax again to see if they had resolved the issue. The XXXX said that they had not had time to finish their review, although the CSR I spoke with on XXXX said it should be resolved in XXXX  business days. 

On XXXX I called Carmax again to see if they resolved the issue. The CSR said the payment had not yet been found. I asked to speak with a manager to see if there was a way I could sent the proof of payment. The CSR gave me a fax number. I again asked to speak with a manager to try to resolve this. After a brief hold, I spoke with a manager named XXXX. He gave me an email address to send the proof of payment, which I sent within the hour of our discussion. 

As of this date, XXXX, XXXXXXXX XXXX, XXXX, the matter remains unresolved. I would like the CFPB to help me resolve this issue. Specifically, I do not think that I should be charged any late charges or penalties and I do not want any adverse information reported to any of the credit reporting companies.

Company response to consumer: Closed with explanation