BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a balance of {$2500.00} on my GM capital one card. The card making monthly payments of a {$100.00} dollars I look at my statement and the balance stays the same so i looked at the interest and they are charging 24.40 % so with paying double the minimum payment i get no were the interest payment alone is {$49.00} so i called them and explained that with my credit score at XXXX i should have a better interest rate they said no interest reduction for them the lady said they cant do anything for me witch if the interest was 15 % it would be too high they get it for about 1 % I XXXX XXXX at {$50000.00} for 2.5 % so that is price gouging for sure I hope you can help me Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY XXXX AND XXXX CREDIT PROFILE FOR 2 YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: IL
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:
Equifax has broking the law again the same account has been put back on my credit profile XXXX XXXX ( LATE PAYMENT ). I filed a complaint on XX/XX/2022 and Equifax removed the account now they put it back for some reason. the complaint number is XXXXThey continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. Equifax violated my consumer right to privacy pursuant to 15 usc 1681b2 Equifax has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX  ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payment removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX XXXX XXXX  and I was in a car accident in which I had a claim number for the party at fault and the XXXX driver and the bill should've been paid by the insurance and party at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute with Experian about the wrong name, address, and employer on my credit report but nothing was done.

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 2015-05-15
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payments were current with XXXX when XXXX sold it to Nation Star Mortgage on XXXX, 2014. Nation Star claimed I did not make the payment for the month of XXXX previous to their taking over the loan, so to protect my credit, and in good faith we made an extra payment. I then provided them documentation proving the XXXX, 2014 payment was indeed made to XXXX XXXX. We have repeatedly sent in documentation to different entities within their company they told us to send it to, and made repeated phone calls to resolve the dispute. All the contacts they provided us ( XXXX. " single point of contact '' & XXXX my " dedicated loan specialist '' ) were repeatedly unreachable by phone and unresponsive, would not return phone calls after we left messages on their voicemail. As of today, 8 months later, they have not properly credited the account, which *should* show as paid XXXX month in advance. The only responses we get are from their " research department '' who we are able to communicate with in writing but still assert the position that the loan was due for the previous month 's payment at the time they took over the loan. This is still wrong and irresponsible for the company to improperly credit my payments. The issue is simple, I made an extra payment in good faith until such time that the company can find their error, provided them with documentation to help them find their error, and have submitted numerous requests for my extra month 's payment to be properly credited to a future month. It appears they are so far incapable of simple accounting or providing a valid contact person to discuss and resolve this over a 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: WA
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. Victim of identity theft please see attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX UNIT XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
For your awareness, I have already tried reaching out to the following three companies ( Citi, XXXX XXXX, and XXXX XXXX XXXX XXXX ) multiple times in attempt to resolve this matter. 

I am writing to dispute a charge of {$3900.00} to my Citi Sears MasterCard account on XXXX XXXX, XXXX. This was a balance transfer charge initiated through Sears Credit Card Services online for the purpose of transferring credit owed on my XXXX XXXX XXXX XXXX " More Rewards '' XXXX XXXX credit card to my XXXX XXXX. The charge is in error because the credit owed on my NFCU card was never paid down the corresponding amount of {$3900.00}, and no such payment or indication of transfer of debt has posted in my XXXX statements. 

At the time that I initiated my balance transfer request with Sears Credit Card Services, I entered the address for payment as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ], however I later learned from my bank that since they directly manage my XXXX XXXX XXXX XXXX the correct address should have been entered as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I have tried to call Sears Credit Card Services to make this correction but was told the balance transfer was already processed and cashed by XXXX XXXX. However, representatives from XXXX XXXX credit card customer services have informed me they have no way of investigating this matter because I have no account at all with them since it is managed by my XXXX XXXX XXXX XXXX bank ( so if XXXX received the check, they presumably could do nothing with it ). XXXX has no record of the transaction themselves which they have attested in writing. As to my knowledge, my XXXX XXXX XXXX account number was entered correctly at the time of my submission of a request for balance transfer. 


Attached are the memo concerning and copy of the check Citi sent to XXXX XXXX, delivered to me as proof they had sent a check out, as well as a statement from XXXX XXXX XXXX XXXX attesting that the balance transfer check of {$3900.00} was never received. I've also included my statement of acknowledgement from Sears to begin a balance transfer, and my Sears account XX/XX/2022 statement showing the new credit owed of {$3900.00} as of XXXX XX/XX/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 explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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 filed approx. 4-5 disputes with Equifax regarding my revolving XXXX account with XXXX XXXX XXXX XXXX They are reporting it as closed as of XX/XX/2022 but the account is NOT closed. After their investigation, they simply come back and say its been verified as accurate. But thats incorrect. I submitted another dispute today, XX/XX/2022 in hopes they get it right and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for $ XXXX at my local Truist location. As she gave me the receipt, she told me that there would be a 10 day hold. I called later to find out why there would be a hold and they said they needed to verify the check. The check came from the XXXX of Minnesota. I asked if we could call together and they said no, they have to call on a recoded line. I asked what number they were calling and they said they couldn't give it to me. I told them that I found a number online with the State to verify checks. They told me they would work on it and get back to me. I called later in the day and they said that no one would help them verify it. I asked which number they called because I called the one on the website and that lady said she could verify and she answered on the first ring. I was told they were too busy to help and to call back tomorrow. I called back the next day and was told again, that no one would help them. I asked if they could verify the number they were calling or if I could give them a different number where I spoke to someone. They said no, and to stop calling. They said they would keep trying and they would call me when they spoke to someone. This is a government check, with multiple verification items on the actual check. This money was for my wedding that is in XXXX weeks and vendors need to be paid. They were rude and because I went to the branch, the XXXX customer service people said they can't help only the branch because the branch is the one who put the hold on. Online it shows the deposit and then right after they removed it and put the hold on.

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 2015-05-15
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We have been consistently XXXX month behind and were contacted by our mortgage company to refinance ... my husband submitted all paperwork and got the rate locked in and in the truth in lending, etc., we were given the estimated closing costs. Our closing date was supposed to be this week. My husband was contacted Wednesday and was advised that person was no longer with the company and that paperwork was missing ; the closing date was now going to be moved ; we had to provide duplicate information ... including confidential information that was ALREADY provided ; and that the information we were given was incorrect and that we would now have to make XX/XX/XXXX payment and the closing costs were now approximately {$6000.00}! We feel this was a bait and switch and they should be held to the contracted amount in the paperwork that has been signed and submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-03-11
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
on the week of XXXX i purchased a course online via webinar that i signed up for through XXXX. it was from XXXX XXXX from the XXXX XXXX XXXX, here is the link i used during his webinar to purchase the product. 

https : XXXX Throughout the webinar, XXXX pitched his product, and during his webinar before even purchasing, he presented a slide which I have attached is a screenshot that shows him offering a 30 day zero risk moneyback guarantee to try the product. 

I wanted to try the product and saw that he offered affirm payments as an option so I used affirm to open a loan for his course After XXXX DAYS of using the product, I felt that it would not work for me and I wanted to return it so I tried looking for his contact information on purchased course website. There was no contact information on the website, so I proceeded to reach out via XXXX on his profile to try and get my refund ( screenshots attached ) instead of acknowledging my refund request, he only tried to sell me something else, and from then on, proceeded to ignore me. 

I reached out to affirm payments and opened a dispute over this, and time and time again they would come back to me, saying that they were in favor of the merchant becasue as they state, the product was non refundable. 

I explained to them that it is conflicting statements to say that a product has a 30 day moneyback guarantee and also be non refundable which in my favor many of the affirm customer support team members ive spoken too are in my favor. 

Since XXXX I have been back-and-forth with affirm payments, disputing this fraudulent and deceptive activity from the XXXX standard academy. 

The merchant tried submitting a screenshot of his check out with a note saying nonrefundable, but it is not the same check out as I used, which is on the live link I provided above ( https : XXXX ) His counter evidence to back his claim, didn't even match where I purchased the product, after I explained that to the dispute team, they began to tell me that I only had 30 days to return the product and told me that it expired in XXXX, I haven't purchased the product till XXXX. 

At that point both the merchant, and affirm are claiming fraudulent things. 

the merchant can not advertise a 30 day moneyback, guarantee, and say that the product is also nonrefundable at the same time that is a deceptive business practice with conflicting statements, AFFIRM PAYMENTS fails to acknowledge that conflict and continues to be in favor of a merchant, thus facilitating fraudulent merchants on their platform

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2018, there was a hard inquiry made on my Equifax Credit Report from an unknown company, XXXX/XXXX. This company had no authorization to access my credit report and by doing so negatively effected my credit score. I contacted Equifax and spoke to customer service rep XXXX. XXXX informed me that I could not dispute the fraudulent hard inquiry because it was a " factual record. '' I was also informed by XXXX that I must contact the company, but Equifax could not give me a contact number. XXXX/XXXX fraudulantly accessed my credit report and I am unable to contact them by phone, the reason for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation