BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a claim in for breach of information and a fraud report filed with FTC. This is verifiable. I filed bankruptcy and it was discharged however this credit bureau still have fraudulent inquiries on my report and accounts that were included in my bankruptcy and should not be showing delinquent and or on my report at all. 

The inquiries are as follows : 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 XXXXXX/XX/XXXX I also, have asked them several times why is my score so low because I feel it is a form of retaliation because I do not have any bad accounts, lates and the inquiries are wrong, I DO NOT HAVE A STRIDE BALANCE and The amount on my XXXX  account is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX charges started occuring on a weekly basis for XXXX dollars from XXXX on a card I had the account details stored on the XXXX XXXX XXXX on my phone. I noticed this when it was time to pay the XXXX bill. I immediately called Citibank about it and they said they would investigate. I also contacted XXXX and the charges were refunded to me. 3 weeks later I get letters from Citibank saying the charges from XXXX were legitimate according to XXXX XXXX because they had my e-mail address ( well of course they did they accessed my XXXX XXXX account ). The charges were from an app ( that is no longer available on the XXXX XXXX XXXX XXXX XXXX  ) and recurring on a weekly basis for XXXX dollars. I nor my wife have any idea what XXXX XXXX XXXX is my kids never installed any app that uses coins and surely not at a rate of XXXX dollars a week. The funny thing is these hackers tried using old expired cards that were still stored on that account first and those charges of course didn't go through. Citibank has sided with XXXX on the matter and considers the issue closed.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : XXXX XXXX XXXX XXXX. Contrary to the reported late payment in XX/XX/2023, all payments were made on time. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.

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 2022-10-31
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Attempting to login with existing credentials, active plaintiff in class action against equifax involving data breaches and not receiving promised settlement benefits, unable to display profile and account access is unavailable for unknown reasons for 2 years to current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage for a property in Florida with Lakeview Loan Servicing. When I first acquired the mortgage I was forced to take private mortgage insurance ( PMI ), but the property has appreciated in value exponentially and it now meets well in excess the 75 % property-to-loan value. This company is sending me letters asking me to refinance with them stating the property value has gone through the roof. Meanwhile, when I call them to remove the PMI from my payment, they refuse telling me the property is valued at a much lesser amount than what they state in the letters they send me. Their premise is that, basically, the house has not increased in value since I purchased it 5 years ago, as if they did not know what currently is going on with the Real Estate market throughout the nation.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 US Bankruptcy Court # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I 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 2023-03-06
Company: M&T BANK CORPORATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
M & T Bank denied my claim for charges that were illegally made on my credit card. My account was compromised along with my debits card, social security number and identification card because I lost my wallet with my credit card, debit card, social security card, and id in it on XX/XX/XXXX. I thought I left it at my job at the XXXX XXXX  I work in but It was not there when I returned there on the XXXX. 

The fraudulent transactions : - {$1300.00} from XXXX XXXX # XXXX - {$43.00} from XXXX XXXX XXXXXXXX XXXX XXXX  - {$920.00} from XXXX XXXX XXXX XXXX  Please look into this for me. M & T agreed to reimburse me for all fraudulent transactions. My identity and previous M & T credit card account ending in XXXX has been compromised. I need help with getting reimbursed for these fraudulent transactions.

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 2023-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed multiple letter to XXXX and Equifax to dispute multiple hard inquiries on my report dating back to XX/XX/2022 from multiple car dealerships I did not authorize or give permission for any of those dealerships to run my credit. I have called every month since XXXX of XXXX  and both credit bureaus have not tooken action. I have also contacted those dealerships and companies to report what was happening and now as of todays date XXXX nothing has been removed from my credit report so I am filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.

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 2022-03-09
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted my XXXX application and they clearly did not evaluate any past payments made pre-consolidation. The temporary waiver states that regardless of payment plan, if you were working for a qualified employer that the payments would count if they were made on time and for the full amount. Mine are qualifying payments and they only counted the payments after my consolidation application was processed. I am missing XXXX payments in my payment count, which would qualify me for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Chime Financial Inc
State: OH
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 filed a Dispute with Chime XXXX  XXXX XXXX  and XXXX XXXX  on an unauthorized transaction to a XXXX XXXX XXXX XXXX in XXXX Overseas for the amount of {$1100.00}. My information was stolen from my phone and they hacked into my accounts and changed my information on my Chime Credit Builder account and made unauthorized purchase overseas on XX/XX/2021 Chime member services changed my name to someone else on my account unauthorized. My email and phone number on XX/XX/2021 from this person who hacked my account. I disputed the Transaction and sent them information evidence they sent me threw my new email on my account because had to change old one that was used hacked into.they closed out my cards and sent me new ones on XX/XX/2021. Now I am still fighting for my dispute from money that was stolen out of my account. The Dispute ID # XXXX with Chime The XXXX XXXX  and XXXX XXXX. They keep denying my claim with out sending me information why it was denied. I had a hold and suspicious activity on this account all noted in there systems and emails. I contacted them everyday filed police report, Cyber Crimes report and sent them eviendece 3 times or more and still they denied my dispute. They will not tell me why and hang up on me. This was an international transaction threw XXXX and My international transaction is blocked in my account so I don't see how this happened in my account I think it was an inside job A chime worker who did this. They said on their website that my money was FDIC insured and my data and information was safe but it wasn't safe. I do not trust Chime XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I made purchases from XXXX back in XX/XX/2021 my XXXX account was closed by XXXX before I picked up the merchandise from the hub locker. I was sent severall messages to pick up my merchandise which I never did then recived an e mail stating it had been sent back to XXXX and I would get a full refund. The package went back to XXXX but I never received any refund. I called XXXX and got no help so I filed a dispute with citi bank they invested asked for documents which I sent showing that merchandise was never picked up and they refused to remove the charges every month I keept sending in documents showing that I returned the merchandise interest keept adding onto the card till they tried to get a judgment against me. Then they tried to say I was deceased which i am not. At that time I explained the situation and the charges were removed from my account in the meantime they closed my account I was never late on a payment..its not fair that my account was closed. I want my account re opened.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX XXXX {$870.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}

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 non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXX XXXX XXXX You are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. Please correct these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: WELLS FARGO & COMPANY
State: VA
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:
*NOT A DUPLICATE**NOT A DUPLICATE***NOT A DUPLICATE**** ****READ BEFORE CLOSING***READ BEFORE CLOSING**READ BEFORE CLOSING* THE ORIGINAL DEBT WITH WFDS WAS CHARGED OFF BY ME ON XX/XX/2015, YET THIS ACCOUNT INACCURATELY SHOWS THE ACCOUNT AS OPEN/UNSATISFIED. Complainants Information : XXXX.XXXX.XXXX. XXXX XXXX-XXXX-VA-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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX  Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the 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 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called Capital one to cancel my Capital One Venture XXXX card. There was a {$390.00} annual fee that was charged on XX/XX/XXXX which I was told will be refunded back to me as it was within 30 day limit when fees was charged. I paid in full on XX/XX/XXXX amount of {$420.00}, cancelled the autopay and did redemption of reward point of {$3.00}. Customer service representative went through multiple disclosures to close the account at the time and I was told that check of {$3.00} + annual membership of {$390.00} will be sent to me. I checked my account on XX/XX/XXXX and noticed that account was not closed. I immediately called customer service who told me that the person on that day didn't close the account and there is no way they would refund {$390.00} annual fees that I was promised. I spoke to supervisor which was not helpful. I asked to file a complaint and I was told that they would do it internally and there would not be any communication to me regarding this and also was told that her supervisors do not take any complaints via phone call or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my bank acct with Citizens Bank on XX/XX/XXXX, 2019.. I have the message stating my acct is closed..An automated credit card payment for {$200.00} was put thru 2 months later from XXXX XXXX and I was charged all these fees for insufficient funds. It was put thru 3 times so 3 times I was charged. I now have approximately {$240.00} in fees between credit cd charging insufficient funds and bank charges. This acct should have been closed. I was already paying credit card from my new bank acct. when I stopped auto payments thru credit card it only stopped 1 payment and not all which was very confusing. I called credit card and they stated there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Its been effecting my credit for 7 years now i had my identity stolen and capital one and XXXX XXXX XXXX  kepts showing on my report

Company response to consumer: Closed with explanation