BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
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:
XXXX Equifax, and XXXX are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.

Company response to consumer: In progress
Consumer complaint received 2023-08-08
Company: Nelnet, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/, I contacted Federal Student Aid and logged a complaint that my student loan has been forgiven through borrower defense however it is still showing a full balance on my credit report. Additionally, my account was never transferred from Federal Loan Servicing to Nelnet and I wanted to know about the finalization of my loan being forgiven and if applicable, any refunds that I am to receive. 
On XX/XX/2023, I received a reply from a representative of Nelnet, XXXX XXXX, that my request is being reviewed. I was informed to allow up to 30 days for it to be reviewed and if I have not received notification of review after 20 business days that I may check the status by replying to the e-mail. 
On XX/XX/2023, I have not received any updates from Nelnet in regards to my account and contacted XXXX via the e-mail originally sent to me as requested to inquire about my credit report, refunds, and account. 
On XX/XX/2023, I reached out again after not receiving a reply from Nelnet. I informed Nelnet that I have passed the 30 day period within the guidelines of Reg V for the fair credit reporting act and would like to at least know an update on my credit report since I believe Nelnet has violated Reg V guidelines. 

I am still waiting for a reply from Nelnet and therefore reaching out to CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Affirm Holdings, Inc
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased a set of tires and had them installed on XX/XX/2023 at the XXXX XXXX, XXXX XXXX location. I also purchased an oil change. I used Affirm to pay for the majority of the tires. I then see a similar loan for {$420.00} set of tires for XXXX XXXX, XXXX, XXXX, XXXX location. I have disputed this with both Affirm & XXXX. XXXX can not produce any proof of me picking up the tires although they claim i did. Also they couldnt provide any XXXX XXXX on it. At this point if i dont pay for the false loan my credit rating will suffer. What other recourses do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Around the end of XXXX XXXX of XXXX, I contacted Home Depot Credit Services for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to Home Depot and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' Citi bank states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my 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 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: CO
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 am writing to formally dispute and bring to your attention the inaccurate and unauthorized information present on my credit report. Upon reviewing my credit history, I have discovered five delinquent trades, numerous installment delinquencies, and revolving delinquencies that I believe are erroneous and the result of unauthorized activities. I did not provide consent to these companies to run my credit or open any accounts in my name. Furthermore, the charges attributed to these companies are entirely unknown to me, and I have taken immediate action to address this matter. 

The companies in question are as follows : XXXX XXXX XXXXXXXX ( unknown charges for products I did not order or receive ) XXXX  ( unknown charges for products I did not order or receive ) Expansion XXXX XXXX XXXX I have made diligent efforts to contact each of these companies to rectify this situation and obtain more information about the unauthorized charges. I have kept records of all correspondence, including dates, times, and the names of representatives I spoke with. Unfortunately, my attempts to resolve this matter directly with these companies have not yielded satisfactory results, leaving me with no alternative but to seek your assistance. 

I respectfully request that the Federal Trade Commission conducts a thorough investigation into these unauthorized charges and false reporting of delinquencies on my credit report. I understand the importance of accurate credit reporting and its impact on my financial well-being. These erroneous entries have adversely affected my creditworthiness and financial stability, potentially preventing me from accessing fair credit terms and opportunities. 

Enclosed with this letter are copies of all relevant documents, including correspondence with the aforementioned companies, in support of my claim. I kindly ask for your prompt attention to this matter, as I am eager to resolve these discrepancies and restore the accuracy of my credit report. 

Thank you for your time and consideration. I look forward to a timely resolution of this issue and appreciate your efforts in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: XOOM CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The customer kept telling me he was going to xoom a XXXX service or direct transfer to my XXXX XXXX account but once he did the transfer, I be expecting it to come in or go to XXXX to get and he would make so it never was received by me. The total he owe 's me is {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 bank with Capital One.. XXXX XX/XX/2021, there was {$500.00} transferred out of my account through XXXX without my authorization. I called the bank and filed the dispute. They informed me who the transfer went to and asked if I knew the person and/or authorized the transaction. I informed them I did not know the person and did not authorize the transaction. I changed my password to my online account. On XX/XX/2021, I received a call from an unknown person asking for a code saying they were with a loan company. I did not provide a code but asked them to send the information to my email which they did only asking for the code. I did not provide my email address yet they already had it. I contacted Capital One and let them know someone had contacted me asking for a code. They then informed me someone had tried to change the password on my online banking. The employee helped me change my password again as well as my username. I tried to provide the information about the caller asking for the code and the email address that the email was sent from. They did not want the information. On XX/XX/2021, my account was put on restriction. When I called, I was informed my account was considered a risk because it had been accessed by several different devices and they could not verify my story that I had not provided my login information for online banking. I told the employee that was exactly what the dispute was about. XX/XX/2021, I received an email that my dispute had been denied. While I can not " prove '' or " verify '' that I did not provide my online banking login information, I can prove that I was not in the locations that my account was being accessed from. The bank has not been helpful or willing to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached FTC Report that includes XXXX XXXX. This is in response to a previous CFPB complaint. Please remove the XXXX Account. It has already been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: NC
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:
Consumer Financial Protection Bureau XXXX # XXXX Please see prior case number. Citi agreed that the charges are fraud but never reimbursed me. 
I have been charged three times and reimbursed either once or twice ( two transaction numbers but both for XX/XX/23 on different statements. 

Charged {$2000.00} on XX/XX/23 Charged {$2000.00} on XX/XX/23 Reimbursed {$2000.00} on XX/XX/23 ( XXXX - XXXX statement reference ID ) Charged {$2000.00} on XX/XX/23 It is possible that I was reimbursed twice on XX/XX/23 as I have a line on my XXXX statement and my XXXX statement with different transaction IDs ( XXXX is the reference for XXXX ). However, I can not get a view where I can see both together so it may be a duplicate. Regardless, I am still waiting for at least one reimbursement.

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 2021-06-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX and TransUnion are reporting inaccurate information and keep saying that XXXX XXXX is verifying not only is that not true but XXXX XXXX have provided me complete documentation showing there is no such information and have asked the XXXX and Trans Union to remove any such information. They are not doing reasonable investigations and are violating FCRA. I have sent in disputes and phone calls and still they are submitting dispute or even getting information. XXXX XXXX has not verified no such information and XXXX  and Trans Union is intentionally caused me great damage and embarrassment also with emotional distress. 
. Enclosed is the proof that i have no such public record and that i am a victim of identity theft. Came from directly from XXXX XXXX. This will be my last attempt before i am forced to take legal actions on all parties

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 2024-01-18
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit 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 was billed for an XXXX stay in XXXX of XXXX for around {$880.00}. During this stay I had to come out of pocket for things that were to be in the unit. And for other things, I just didn't have during my stay even though they were advertised. I requested a refund of {$100.00} ... to cover out of pocket expenses. The host approved the refund but I believe there was a typo as it was only {$1.00}. XXXX will ONLY allow you to escalate from there directly to them. I did just that. XXXX refused to assist, I was passed to so many different representatives and told so many different things that after 2 weeks I decided just to dispute the amount with my Barclays card. After submitting my dispute online, I was told by a representative to submit the correspondence either with fax or mail. I have not had a fax since XXXX so I mailed it over a month ago. I messaged them in their secure messaging asking for confirmation one way or the other if they received the physical copy that had receipts/correspondence to back my online dispute and they refuse to give me an answer on whether they would assist with this dispute and protect my purchase. I was never even credited the amount while being looked into. I have had contact about this issue with Barclays no less than 5 times ( online, messaging, phone/chat ). I will have this card paid in full within the next week and have locked it from any other use but I still want my {$100.00} back on my purchase/refund, they can mail me a check. I have attached the dispute in print ( only taking out my full account number ), along with all of the info I send to them including my receipt. Please let me know if there is anything further you need from 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 2024-01-18
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Good morning, Due to employment loss, I need to catch up to five payments on my loan. I gain employment in XXXX. XXXX, 2023, and ask in XXXX for a forbearance period so I can resume making payments on my home loan. I intend to keep the home and would like to continue my monthly payment. I received a denial forbearance letter from the bank informing me the flex modification doesn't meet the necessary seasoning requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a Vanilla gift card XX/XX/XXXX at around XXXX XXXX  from circle k. I tried to activate it and i couldnt. I contacted the company and waited on hold for 20 minutes, they activated it right away. the following day i attempted to use the card. I couldnt. I then tried to use it at a different merchant and then in person. The card was declined. I did this several times to make sure it was the merchant and then yesterday XX/XX/XXXX I called the company. I waited on hold for an hour and was told it was locked for suspicious activity. The man ask me to verify my attempted transaction. i did. he then said they needed to open an investigation. it would take 10 bussiness days and i needed to send the reciept, a form of proof of residency and a copy of my id. I told him no, I am not doing that, let me speak to a supervisor. He then out me hold where no one ever came. at about 2 hours on hold I hung up. I then called again this morning XX/XX/XXXX and spoke to a rep, went through the same thing and finally got a supervisor. i listed every single merchant I attempted to use but one i couldnt remember. she then told me the same thing. This is not the first time and i have spent over 4 hours dealing with this, being embarressed and upset. I only put XXXX dallors on this card and regerstered it online. This is rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: KY
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:
Im submitting you this XXXX complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation