BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
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: Investigation took more than 30 days

Complaint:
On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to XXXX from XXXX. This I was given incorrect information by XXXX. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by XXXX not XXXX pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.

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 2023-07-09
Company: EQUIFAX, INC.
State: PA
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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage through the online services of my mortgage company, 5 days before it was due. 11 days later, the mortgage company sent me an email notice ( after I had received a payment confirmation ) saying I had not paid my bill. And adding a XXXX  dollar late bill. 

I called them, and they said my bank had rejected my payment for lack of funds. My account did have adequate funds, and the bank ( XXXX XXXX ) stated they had NOT rejected any payments on my account. 

I called the lender back, and asked them what account they had tried to charge the payment to, and they couldn't, or wouldn't tell me, so there is no way for me to know what account they attempted to charge the payment to. I asked what I should do, and they recommended I make a payment over the phone, either by automated phone call, or through one of their phone agents. Then I found out they make extra charges, to pay the bill, by phone! XXXX dollars, and XXXX dollars respectively! 

The company, is " Mr. Cooper ''. We also had problems with my first payment, sent by check. They didn't credit my payment for several weeks! 

These practices are not acceptable, and have become very stressful to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Midland Credit Management I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
If on XX/XX/2023, an account review was conducted, and the decision was made to end the banking relationship. Then what happens to the check that I deposited for {$8300.00} on XX/XX/2023 if it is indeed unable to be verified by maker? 

If On XX/XX/2023 a secondary review was completed the decision was upheld to still restrict my personal account, where is the check for {$8300.00}? 

If the check still needs to be verified and you TD bank can not locate the maker as it does not show up as a registered business in the state of NY, why are you still holding on to the money? Return the money back to the check makers account from whence it came from TD said ULTIMATELY meaning : finally ; in the end. 

If finally in the end TD can not locate the maker of the check as they have confirmed then why is TD still holding on to the {$8300.00}? 

In the end, they are unable to find the maker. That sounds like a concluded investigation to me. 


So they need to return the money back to the account from which it came from. Ultimately there is no investigation if ultimately you can not locate the maker. 

TD needs to send the money back to the original XXXX  account from which it came as they have all of the account information there is nothing stopping them. If TD truly suspects fraud, why would they want to hold on to fraudulent funds? I am fine with TD ending our banking relationship and I am fine with my account being closed, not restricted. I do not want an account in my name with restricted access. I am not fine with TD keeping funds that does not belong to them after they have clearly ultimately reached a decision. Please provide an answer as to when the funds will be returned to the original account from whence it came from. Please provide what steps has TD taken to locate the maker of the check? Please provide what information you have used to try and verify the maker of the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-01-29
Company: Duncan Solutions, lnc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Received a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Account # : XXXX, Notice # XXXX, IL Plate # XXXX, Violation XXXX, Amount Due {$28.00}. The letter indicated unpaid toll violation on the 495/95 Express Lane on the travel date of XX/XX/XXXX and the letter is from a debt collection agency. 

1. ) This was an old license plate number which was discontinued usage in XX/XX/XXXX due to moving to Missouri yet the letter indicates travel date of XX/XX/XXXX. 
2. ) I have never been on 495/95 and did not know it was out east until looking it up. 
3. ) Although the return address on the top of the letter is XXXX, VA ( as noted above ) the Address Service Requested reads XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
4. ) May pay by sending in the bottom statement, XXXX, or by phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was trying to pay my XXXX bill and for some reason it kept telling me there was a problem with my card. I knew there was enough money in the bank to cover the transaction so I called the bank or so I thought what it was the bank. I looked up the customer support number on XXXX and I doubt it they answered. I told them that problem that I was having and they said they needed to verify my account. They had me download an app which I didnt understand and they suddenly had all of my information, my bank account number my my home address my phone number they knew how much money was in my bank. They knew which credit cards I had and which other banks I banked with, and they ended up having me do a bunch of stuff from The XXXX XXXX saying that they were verifying my account and then they had me hit a button when I hit that button. All of my money disappeared. I ask what happened to it and I asked her to put it back and she said give me five minutes your account. It will be back in your account in five minutes. Im simply trying to verify your account so I can fix the problem. I didnt understand it I figured she knew what she was doing so I waited well within less than five minutes. She hung up the phone when I called back a man answered. I told him what happened and he said OK I see it heres what were going to do and he hung up I called back three or four times and they would not answer the phone. They kept hanging up on me and then finally I think they blocked me because my car with no longer go through it I went back to XXXX, looked up the number again and found a completely different phone number. I called it and it was the real chime bank. I told them what happened and they said they would check with the fraud department. They came back and said the fraud department refused to give me my money back if they said that I authorized the transaction I did not And I told them that and they said that was too bad and I asked them to at the very least, give me a new account and a new account number and new cards because these people had all of that information they said once I close the account I could not get a new account and they would, but they would gladly sent me new cards will new cards would not do any good on the XXXX these people have the account number, routing number and all of my information. I needed a whole new account and they refused to give it to me so I close the account out entirely whatever money I had left in there they did not give me that back either. It was only pennies, but they still did not send it back to me and I am very disappointed because I think that they couldve at least taken the phone number that I called and investigated the whole thing and found out that I was scammed Im very disappointed very sad that Im on a fixed income and thats all the money I had to my name to pay my end of the month bills and now this is going to totally throw me off course

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi has reduced my card limits multiple times. Ive never been late and rarely carry a balance with Citi thats not on a promo. The major issue Im having are the times in which Citi chooses to reduce credit lines. During a global pandemic which was most recently. And also during hurricane irma. As a XXXX  resident I find that Citi is honestly not for the people. Ive only been late as if recently due to having a son born at XXXX  months who is still currently in the XXXX. The line reduction from Citi has negatively impacted me and caused me to lose my dream home that I had under contract previously. I reached out to Citi and they did not care

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 2024-01-09
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Sub-product: Store credit 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:
My closed Citibank XXXX XXXX was paid off prior to my booked flight. The day of my cruise my flight got canceled. I asked that my money be refunded to my original form of payment. They stated they couldn't do it and sent me several checks for the XXXX flights. Now they are saying I owe them over {$400.00} and they're destroying my credit. I disputed this and they denied my claim. 

Please 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 2023-06-03
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; 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 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 2023-08-28
Company: GOLDMAN SACHS BANK USA
State: CA
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:
This is my complaint for APPLE CARD/GS BANK USA XXXX I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory item that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Account information incorrect

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 This account is showing inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: GA
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 voluntarily surrendered my vehicle to XXXX XXXX in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, XXXX XXXX accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, XXXX & Equifax to update the account status, balance & comments and both times, it came back that XXXX has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted XXXX three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact XXXX to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My reliacard account has been frozen since before XXXX. I have faxed everything I have to prove my identity. Customer service reps keep lying and telling me anything just to get me off the phone. I am facing eviction. I don't know what else to do. Please 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 2022-10-10
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Case Number XXXX is NOT my debt I never had a XXXX credit card and Calvalry is trying to sue me for something that is not mine. I never opened authorized or used a XXXX Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I contacted OneMain Financial asking for a business loan and it was processed as a Debts consolidation loan, when I was very clearly not in debt. 

I allowed a titles loan on my owner/payed out car and continue on to use for business which of course failed and I began struggling with payements. 

Furthermore, my vehicle broke down and I could convince any Onemain Financle tel. Agent to help me with an extra bit of loan to repair the car and remain in good standing with them. ( Getting to work, and if I had no options, they wouldnt repo a broken car ) Ive spoken to other Onemain financial tel. Agents since this problem and they simply apologize. 

In the end I still have a delinquent standing with my loan payements which furthers my issues when asking for help from any other branch. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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:
I am trying to get my credit report accurate, but am having a difficult time. As I have sent in over 20 certified letters, including my drivers license, current utility bill and any other documentation that is needed. This credit agency is reporting inaccurate information which s making it difficult for my daily living. There are inquiries that I have no knowledge of, including a business three/ four times the same day. Also, there is a bankruptcy that is being reported, but is inaccurate. I am trying to make sure my credit has correct information.

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