BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: McCarthy, Burgess & Wolff, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We signed a XXXX  subscription with XXXX company in XXXX with 36 months term ; the contract was expired in XXXX. In XXXX, XXXX, and now XXXX we kept receiving collection notice from XXXX XXXX XXXX XXXX relating to some orders or invoices that we have never known. We spoke to the collection company representative and called XXXX XXXX XXXX, nothing changed. Please help us to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I made a purchase from Bose.com on XXXXXX/XX/2022 for {$500.00} under order # XXXX. 
The order never shipped, so I cancelled the order, however, I was still charged for this purchase from XXXX and the full amount was deducted from my checking account. 

I contacted XXXX and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact Bose to resolve the issue with them. 

I then contacted Bose and was told that XXXX is responsible for the refund of my order and that I would need to contact Bose for a refund. 

Neither company is taking responsibility and I would just like a refund of my {$500.00}. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my credit card to send payment through Venmo on XX/XX/XXXX in the amount of {$3600.00}. That payment was returned to my Venmo balance, minus the {$100.00} fee Venmo charged. I then transferred the balance from my Venmo account to my verified bank account but Venmo is not releasing the funds. 

I have used the same Venmo account since XX/XX/XXXX. I have also kept the same email address associated with that account since then. I have also verified my identity, verified my bank account, and sent photo identification when requested by Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-17
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:
After viewing my credit report I saw that there were multiple accounts I did not authorize. Nor did I benefit from any transactions listed in this report. These items are from unauthorized use of my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank put a block on the account that ends on XXXX because they said that someone was trying to access my checking account. Not, only did they put a block on the account but also removed my login credentials. 

Even though the account was blocked Citibank accepted and XXXX deposit from my employer XXXX XXXX on XX/XX/XXXX. The deposit from my employer was in the amount of {$850.00}. I contacted Citibank regarding getting my money back since they were not supposed to accept the deposit in the first place but rejected. 
I was told by Citibank that they could not verify my identity even though I gave them my social security number, date of birth, phone number, email accounts, current and previous home address. They insisted that they could not verify my identity or tell me exactly what was it that they were looking at. Then, Citibank told me that I was going to receive a letter with a reference number. This was back in XX/XX/XXXX at which time and out of a lot of frustration, I decided to wait for the letter with the reference number to come. It was the first week in XX/XX/XXXX and the letter never came.. I filed a complaint with the XXXX  on XX/XX/XXXX. The complaint number is XXXX. On XX/XX/XXXX a Citibank representative contacted me by phone and assured me that she was going to make sure the letter was sent out to me. 
I contacted the XXXX  letting them know what the lady told me and to close my complaint. The letter never came so I called the Citibank fraud department again and again was told the same the letter will be sent out. 
I finally received the letter call Citibank and gave them the reference number and they had the audacity to tell me that I was going to have to call back because they couldn't verify my identity even with the reference number they sent me or even the code the representative sent to my cellphone. I had been on the phone today 4 times with different representatives that acted as if it was the first time they heard about this issue. Right now it is XX/XX/XXXX and I have been on the phone with XXXX for an hour and 32 minutes trying to resolve this issue. 
At this point I asked the Citibank representative XXXX that I want to close the account and get my money back and I am still waiting on hold for the account to be closed. The thing that really aggravates me is the fact that they are taking fees out of the account. 
I hope you are able to help me because this is very frustrating and a waste of time. 

Thank you 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 2022-11-11
Company: Experian Information Solutions Inc.
State: SC
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 ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By XXXX. I was informed by XXXX the account was deleted on XXXX, and Experian deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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 XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was in contact with XXXX in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. XXXX has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i got fake bill from XXXX XXXX for {$620.00} .i called them at XXXX XXXX XXXX they said w ould refund. but we must run a $ XXXX which came out $ XXXX XXXX. while correcting this the took control of my pc tookmonies from saving to checking andwired {$9300.00} they told when the bank PNC called to lie .thats when i knew it was a scam.i called pnc disputes rig ht away now pnc says sorry you get nothing back cause we didnt. get the money back. i thought our funds were insured pnc LIED and said i cancelled the dispute. i told them to prove it -- no response!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-01-09
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent XXXXXXXX XXXX XXXX  an email on XXXX XX/XX/XXXX at XXXX PM MST in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2023-01-09
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I tried to buy food through an online delivery service app called XXXX. My card was declined, which was concerning since I get paid SSI benefits on the XXXX of each month. I immediately logged into my DirectExpress online account and noticed all of my money was stolen ( unauthorized transactions ). I cancelled my card online and swiftly called DirectExpress to report the unauthorized transactions for a total of {$2300.00}. However, they stated their Fraud Services Department is closed on weekends. 

I spent the following week trying to get in touch with their Fraud Services Department and finally got in contact with them on XX/XX/XXXX. I stated my concerns, opened a fraud investigation, and they said they would mail out a Questionnaire of Fraud ( Form DX-QOF-v.06 ). 

I once again struggled to get in contact with DirectExpress while trying to notify them that I still haven't received the Questionnaire of Fraud. On XX/XX/XXXX I got through to them and they said they would resend the aforementioned form. 

I received the Questionnaire of Fraud approximately one week later and filled it out. I signed it on XX/XX/XXXX and emailed it to their claims department. 

On XX/XX/XXXX I received a letter from DirectExpress ' Fraud Department Services ( dated XX/XX/XXXX -- the day before I even submitted my form ) that stated after a " thorough investigation '' the transactions were not unauthorized. There was nothing thorough about their investigation. Most of the transactions were completed in states I've never stepped a foot in throughout my entire life. Additionally, there's over 3 years of clear spending patterns primarily through food apps, such as XXXX and XXXX. They put in the least amount of effort as possible to assist me during an inflationary period and throughout the holidays. It's disgusting and disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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. I told XXXX, XXXX, and Equifax to reinvestigate the Account Number # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2022-11-11
Company: Supreme Lending
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our home builder partnered with Supreme Lending, requiring us to use them for our preapproval. Once we were preapproved, Supreme Lending offered us a rate lock incentive for a 9-month rate lock with up to three 30-day extensions. We accepted the offer as outlined and had our interest rate locked in with Supreme Lending in XX/XX/2022 expiring 9 months later on XX/XX/2022. Once it looked like we may not close by the initial rate lock date of XX/XX/2022, I began asking Supreme Lending about the 30-day rate lock extensions that were advertised. I was told the extensions were no longer available. We now know we will not close before the initial 9-month date of XX/XX/2022 and Supreme Lending is refusing to honor their rate lock extensions as advertised. I reached out to Supreme Lendings complaint department and was redirected to the Operations Manager in their branch who again told me they are no longer honoring the three 30-day rate lock extensions that they advertised in our model home as recent as XX/XX/2022. We are working to keep the interest rate that we were told was locked in for us for up to one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: MI
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:
XXXX, Equifax and XXXX received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.

Company response to consumer: Closed with explanation