BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
To Whom It May Concern Please be advised that this is my THIRD WRITTEN REQUEST about Transunion reporting inaccurately on my credit report as under the FCRA 15 U.S.C. 1681i whereby all unverified accounts must be promptly deleted. In the event that they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 DAYS NOT 60 DAYS of receipt of my first or or my second letter then you must remove these accounts from my credit report. 
The fact that Transunion has ignored my request to send me copies of the documents that were used to verify the disputed accounts within the time stated by law of 30 days, is evidence that they can not and did not verify any of the disputed accounts like they said they did. Transunion 's failure to delete the disputed accounts shows within the days allocated by the Federal Law also reveals that they can not verify anything, even after two written requests and also evidence of their willful disregard of Federal Law. 
Finally, please be advised that this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.

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 2022-12-14
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX. I do not understand why they are XXXX  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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX 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 2016-08-31
Company: IMC Capital, LLC
State: ID
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an unsolicited credit card for my business, ready for activation upon its arrival. The scary part is that there is an actual card, with a {$150000.00} limit, addressed to a former Board of Director that has not been active in my organization for over 15 years. It is from XXXX, a company I have never heard of. I often receive solicitations or credit applications, but never one like this. I would be very afraid of what someone could do with a card like this to my companies credit, and all of the headaches that would ensue. Thank you for your help with this matter.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: NY
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 believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved

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 2023-04-29
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " US Bank Consolidated '' made an inquiry on XXXX XXXX 2023. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my XXXX account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the U.S. Bank Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the U.S. Bank Smart Assistant. Download our app today. 
Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing U.S. Bank. '' When I tried to call the number for US Bank, it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX 2023. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on XXXX. 

I XXXX " US Bank '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.

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 2023-07-10
Company: Carvana Group, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchase a vehicle online from CARVANA on Sunday XXXX. They sucked the money out of my account today ( XXXX ). I was supposed to pick it up on the XXXX. I was going to upload insurance information but when I got on the app to upload insurance, any record of the sale is gone! The contract I signed, everything vanished including {$190.00} and {$41000.00} from my bank account. I texted with someone who said the sale was cancelled system error, sorry, he wrote he put in a refund request ticket for me. XXXX banking said the ACH is pending and can not be stopped. What kind of business practice is this? Who knows when or if Ill get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, someone walked into Capital One NA XXXX Capital One XXXX XXXX XXXX XXXXXXXX, VA XXXX They held a fraudulent check without an account number, a fake debit card and a fake ID. This person cashed {$2800.00} check against my bank account. The bank indicated that their ID was scanned and showed by information. The teller didn't identify the debit card to be a fraud. 
When the check bounced, Capital One withdrew the funds from my account. I have not been reimbursed for those funds. 

An image of the fake check has been sent to me. It was supposedly written by : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Check # XXXX On XX/XX/XXXX, a person tried to withdraw {$1800.00} from my bank account from Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The teller was able to identify the debit card was fraud and denied the withdrawal. 

I want my money back, but also have a greater concern for the ID that is able to be scanned and used at banks, airports, with the police, etc. I believe the ID is either a RealID or Passport. 

Both of those documents that are mine are in my possession. I have not lost or misplaced them. I have not photocopied them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am the victim of wire fraud which seems to be abetted by Wells Fargo. After wiring {$15000.00} to the recipient 's Wells Fargo account for an automobile purchase XXXX, the vehicle was never delivered. 

I believe my loss was facilitated by Wells Fargo 's failure to properly verify the owner of the receiving account. Wells Fargo failed to respond to my questions on ownership of the receiving account, available balance in that account or any identifying information that could be provided to law enforcement. 

In the end, Wells Fargo suggested I meet with a local, XXXX XXXX, branch manager. When contacted, that branch manager would not meet with me and kicked the can back to the Wells Fargo fraud group who did nothing. 

We are now left to engage an attorney to help us resolve what should be a simple resolution.

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 2017-04-07
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to 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 2017-03-07
Company: Consumer Collection Management. Inc
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have filed numerous times to get these removed. They do get removed and then the Collection agency puts them right back on. What 's worse, this is an unlicensed collection agency. Evidently, XXXX does not require licensing, but in order to collect debt in the state of XXXX, a collection agency must first be licensed in XXXX. I believe this company to unscrupulous. Today while pouring over paperwork I realized the original debtor being claimed is wrong. The account we paid in full is being reported as completely different company in an effort to retrieve monies not owed to them.. I believe this to be fraud, or am I wrong? My husband and I paid this debt in full and the debtor listed with the collection agency is wrong. I have sent a legal request for documentation in writing, but I doubt I will receive a response. They can not produce what does not exist. I stand by my claim that this is fraudulent activity on the part of the collection agency and their client. Our agreement was with XXXX of XXXX, not XXXX. I 'm getting older and it 's hard to keep track of names after awhile, but I eventually I get there and remember.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
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 live in XXXX, and went to a restaurant to purchase drinks. I paid for drinks using my debit card and it totaled about {$32.00}. I gave the waiter my card to charge but did not get a receipt. I didn't think anything about it because I have never had any fraud issues on my account. The next day I checked my account and noticed to large charges from the same place for {$350.00} and {$1100.00}. I Immediately called bank and they froze my account and sent out a new card. 
The bank sent me a letter on three separate occasions stating that the charges were not fraud, but I explained to them that I did not authorize the charge.

-For the first charge, the bank supposedly got a receipt from the restaurant stating that I was charged an entrance and drinks for a total of {$350.00}. I explained again that I did not make those charges. Their excuse was that I gave the merchant the card, then it must have been valid. I also asked for a copy of the receipt, but to date they have not sent it to me.

-I also asked about the 2nd charge of {$1100.00} and they stated that they did not have a receipt, but since i filed it as fraud and they determined it wasn't, they closed the case!

I think it is totally disrespectful how they treat a retired XXXX XXXX XXXX and a member of USAA for over 40 years. This vendor stole my money and my bank is blatantly accusing me of lying. PLEASE HELP OR ADVISE ME ON FOLLOW ON ACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My debit card was used with no auth by me and XXXX was taken out of my account. 
I filed a dispute and was given a date of XX/XX/2022 that funds would be reversed during investigation. 
I have had this account for 3 years and never spent like this. 
It was clear as day unauthorized. 
I have multiple emails to and from the fraud dept basically dragging me along. 

I live on a fixed income and desperately need my money returned as I have a XXXX XXXX XXXX my husband with XXXX XXXX XXXX XXXX XXXX XXXX ... the bank is chime banking..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inquired with Shellpoint Morgage ( Loan # XXXX - Property address XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/XXXX about removing my PMI. They told me I needed to fill out a form to request the removal and might require an appraisal if it is only 80 % LTV. They also told me it is automatically removed at 78 %. I never received the form and since I was close ( XX/XX/XXXX/XX/XX/XXXX ) to the 78 % LTV, I decided the cost of paying it down was about the same as the cost of the appraisal, I'd just wait until I paid the loan to 78 % LTV. 

I inquired in XX/XX/XXXX with Shellpoint about removing the PMI from my loan a 2nd time. I also made a request online, see attached The person I spoke with said they would not remove the PMI, even though the loan was now below a 78 % LTV. He said that since my property was non-owner occupied that the LTV requirements to remove PMI are lower. This is contrary to what I was told previously. My current loan amount is {$100000.00} ( see attached ). They are showing per my Shellpoint online account info. my LTV at 74.34 %. Please assist me in getting my PMI removed from my loan. Thank YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Have received several phone calls from office of D. Scott Carruthers regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had {$30000.00} in loans with XXXX under my parent 's name while my parents were in bankruptcy. I contacted XXXX numerous times to find a way to get the loan out of their name once I graduated. They would not assist my parents or me with either ; deferring my payments or allowing me access to take over the loan. Once my parents finished bankruptcy we were able to consolidate with another company, however I accrued over {$11000.00} in interest. I do n't believe I should be liable for most of this, if not all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TENET HEALTHCARE CORPORATION
State: TX
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:
My   XXXX   credit report shows a collections in the amount of {$150.00} from Synd Offic opened on XX/XX/XXXX . I have made several attempts to obtain information about this claim. I 've contacted both the company and the credit bureau requesting them to send me proof of this debt, and to remove this incorrect information from my credit reporting. I never got a response from neither. In  XX/XX/XXXX  I resent this request as certified mail and still no reply. In  XX/XX/XXXX  I sent a follow-up letter to check the status of my request but no one has contacted me regarding this 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 2022-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting Act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.

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