BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My complaint is that the credit reporting agencies are breaking the law. By not excluding negative information, and transaction history. These are excluded according to Law. My complaints, against Transunion, 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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND MACYS HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK MACYS TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.

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 2023-11-01
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received refund Federal income tax refund check {$31000.00}. On XX/XX/XXXX I received confirmation of my Citi Priority XX/XX/2023. When I tried to get cash out I got 3rd degree from fraud department every single time. They let me deposit {$500.00} check from a XXXX in North Dakota who pays me cash rent & never had any problems, but when it s Federal Income Tax Refund, they treat me like I am a common criminal. I have told them that I am a XXXX and bill collectors are calling day after day. 

I just don't need added stress. Fraud department phone number XXXX Routing number XXXX Account number 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 2021-01-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from Hurricane Harvey after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See XXXX attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an XX/XX/XXXX is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I tried to put in for a loan my bank informed me that they could not pull up my Equifax report. I don't have a freeze or a lock on my credit file however I did call and question Equifax and they told me that I did have a freeze. I have sent them all the information and still to no avail. I really do need this freeze off of my file so that I may move forward with my bank loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX XXXX response, she neglected to address the following concerns in complaint # XXXX : XXXX. XXXX XXXX purchased a semi-truck through XXXX around XX/XX/XXXX, for {$61000.00} + {$3900.00} less {$10000.00} ( down payment ) = {$55000.00} o Yet, we were recently informed that the beginning balance with Financial Pacific was {$95000.00}. How is this possible? Where is proper documentation of this purchase agreement? This should not be turned around to make it appear as if I am asking for the payoff amount. 
o Also, the purchase price affects the monthly interest charges. 
o Purchase agreements should be easily accessible and available to provide in less than one week, and we are going on 2.5+ weeks since requested ( XX/XX/XXXX ). 

2. Proof of Insurance Coverage o According to the most recent email sent on XXXX XXXX XXXX, and confirmed again via email on XX/XX/XXXX by XXXX XXXX, proper evidence of coverage was provided on XX/XX/XXXX and XXXX cancelled the monthly insurance charges as of that date. Although XXXX ( XXXX Supervisor ) says proper document was not provided. If that is true, why have they stopped charging insurance charges? 

3. Insurance Charges o From the first billing statement to the present date, insurance charges have been included on the invoice in the amount of {$260.00}. If proper evidence of coverage was not provided, it is obvious why insurance charges continued to appear on the monthly statements. However, the account history provided by Financial Pacific shows only 3 insurance payments ( from XXXX ) were made totaling {$1000.00}. Now, thats fine with us if they want to add more of the money received towards the balance but again, that brings me back to point # 1, the balance. 

4. Referring to the Vehicle Payments as a Rental Payments o Why is XXXX XXXX referring to the vehicle payments as rental payments? Since everything else is not transparent, please clarify what is meant by rental payment. This may be another new piece of important 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
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with fraud alerts or security freezes

Complaint:
The companies that are involved are chase bank and XXXX by XXXX XXXX. 
On the letters it said this all start XXXX and XXXX They all were savings accounts and transfers. I called both companies to let them know that I did not apply for any credit cards, nor did I open saving accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: ACIMA CREDIT, LLC
State: SC
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:
There is a late fee shown on my consumer report. 15usc1681a ( i ) a2 transaction history is EXCLUDED meaning it is not to show up on the report I did not give wet ink signature consent to place on my consumer report.

I am the legal consumer and I control what is listed on the account.

15usc1666b timing of payme n't SHOULD NOT be reporting.

Where is the WET INK SIGNATURE validating this account. IF you can not provide a wet ink signature it has to be remove.

I disputed it and it was removed and then it came back, therefore this is a violation and is compensated at {$1000.00} per violation on my consumer report.

15usc1681b no permissible purpose to place on my report.

Please remove the 1 time late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: GA
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 DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Un-authorized inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20, I logged in to my son 's account to send him money for his text books & saw a large check amt deposit of {$15000.00}. I immediately contacted TCF to alert a fraudulent transaction and was told the account will be frozen & an investigation started right away. However it was never frozen & the hackers ended up withdrawing over {$10000.00}. 
I called the bank for a consecutive 3 weeks straight and every time it's 2 hours on the phone being transfer from one dept to the next. I finally received a letter stating the the hack was my son 's fault bcuz his device was used to access his ATM card & XXXX. The bank then started moving money from all my family 's account to cover the fraudulent check that was deposited & how they came to this conclusion. I asked for proof of the check to see where it originated but never received it. They kept sending me the same info about how they can't reimburse me on the disputed acct. 
If an investigation was done, why haven't the docs i've been requesting provided. On top of withdrawing all my hard earn money, over {$8000.00} of all my savings, they also took over {$2000.00} from my oldest account & then froze all accounts & disabled our ATM cards. I've been with TCF bank for over 24 years & this is what it all boils down to.. I need my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/XXXX at XXXX got a collector bill on a medical Bill 's I had not seen. Called and left a message with my phone number to call me back. I had not heard from them regarding this bill. It's the XX/XX/XXXX I still not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any 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 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a statement balance due XX/XX/XXXX of {$1800.00}. I had a credit of {$44.00} applied XX/XX/XXXX and made a payment of {$1800.00} on XX/XX/XXXX. I was still charged a {$14.00} interest charge even though monthly balance was paid. I called Capital One ... .and they won't remove the interest charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been an a XXXX  of XXXX XXXX for a few years now. (  XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.

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 2021-01-12
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Homepoint financial has not responded to my phone calls or messages for the last year over an issue with loan for a home in XXXX, CA. 

They operated with two different portals and at first said they did not have any of my information as the co borrower, for their failure to inform me of any issues regarding of late payments or the home entering foreclosure. 

We tried to remedy the issues with an explanation of why we were not informed including credit disputes but they were insisted on proceeding with foreclosing and not interested in providing on little to no information as to co borrower rights. I finally discovered Home Point had no information for the co borrower in regard for communication and had to provide them with everything all over again. Still they would not allow me to pay over their online pay system and had to make payments over XXXX XXXX. 

No communication was sent or afforded with proper time to prevent fees, hardship, negative credit reporting, and preventing future dealings after the account has been paid in full and dealing with all these issues from Homepoint financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions 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:
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove 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