BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights .

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-05
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Caller 's ID is : Client Services. The automated calls to my home phone number come in XXXX times daily. 
The area code for Client Services is ( XXXX ). 
The following are the ( XXXX ) exchanges + a total of ( XXXX ) different phone numbers so far : ( 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 and ( XXXX ) XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Initially, I was receiving a large number of emails about being qualified for " Netspend Premier / Debt Card, and after a couple weeks of these emails, I receive an actual " Debit Master Card. 
The enclosed literature informs me that XXXX HAS OPENED an account under my name with a routing # & account #, None of which I authorized. 
Having been previous victims of Identity Theft, I don't care to have any solicitations that I have not initiated. 
Your assistance in this matter is greatly appreciated.

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 2020-04-08
Company: Receivables Management Group, Inc. (MN)
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The payday loan debt was sold to RMG Systems, XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX,. RMG fraudulently reported to XXXX  credit reporting agency that the debt was for a revolving credit account and had the account added to my credit file. The debt was for a payday loan. I contacted RMG and was told they can not remove the information. I would like to know what can be done to a business that fraudulently labels accounts to have them added to consumer credit reports.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, The story is very long and complicated and we have already written before about our situation hoping that all would be resolved. 
In brief we received a COVID exemption on our mortgage during the COVID pandemic. We were given three different COVID relief packages and gratefully took them. Wells Fargo said we would add the back mortgage payments to the final payment at the end of our tenure as owners of the house. 
When the covid relief ended we requested a loan modification and were approved. We sent in the documentation requested, the final signatures and were told that they were being upgraded to the system and all was fine. After a strangely long time and our attempt to contact someone with knowledge at Wells Fargo without any success, we decided to just go ahead and pay our old mortgage payment and proceed until someone contacted Us. 
Much to our surprise, we were unable to pay the mortgage and wells said we had gone into foreclosure. 
Letters had been mailed but not received and we were totally dumbfounded. This was not only consistent with the covid relief statements but it was also double tracking as we were in the process of an approved loan modification. 
Again we spoke with great difficulty to someone at wells fargo and were told that a mistake had been made that the foreclosure was not happening to proceed with our loan modification and make mortgage payments. We promptly made a mortgage payment which was accepted and eagerly awaited news about the second time asking for the loan modification. 
Now we have received in the system a note that we have thirty days to do a shortsale. 
This is illegal but the stress and anxiety that it is causing me and my wife and daughters is extreme. 
This is not honest, professional or legal and we need help. 

Please advise.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER XXXX XXXX CODE XXXX THE ITEMS SHOULD BE BLOCK AND REMOVED.

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 2020-04-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.

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 2023-09-20
Company: TekCollect Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Tek collect called me and texted me. I never agreed with the lender to be contacted by a 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XXXX I bought a system for {$1900.00} at XXXX, but their system didn't work as promised. I learned about this on a XXXXXXXX XXXX 30 days later I asked for my refund back, and they wouldn't give me my money back. Even though they had a XXXX money back guarantee refund. I told capital one about this on the phone a few times and proved to them I was telling the truth twice through fax. But they told me through snail mail that I lacked the evidence to win my dispute and decided just to give my money to this scammer instead. When I tried to repeatedly to follow up with them about the status of my dispute on the phone. They kept pretending they didn't get all my documentation I sent them through fax. And kept wanting to put me on hold, until they eventually hung up on me and wouldn't call me back like they should have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: FL
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 am trying to recover funds for charges made on my Visa card. 

All charges were made by XXXX XXXX  for the same amount of {$500.00}. 

Dates of charges : 1 : XX/XX/2020 2 : XX/XX/2020 3 : XX/XX/2020 4 : XX/XX/2020 5 : XX/XX/2020 6 : XX/XX/2020 7 : XX/XX/2020 8 : XX/XX/2020 9 : XX/XX/2020 10 : XX/XX/2020 11 : XX/XX/2020 12 : XX/XX/2020 ( 1st charge on this day ) 13 : XX/XX/2020 ( 2nd charge on this day ) 14 : XX/XX/2020 ( 1st charge on this day ) 15 : XX/XX/2020 ( 2nd charge on this day ) I contacted CitiCards in XXXX to dispute these charges. They appeared on my statement in XXXX as " Billing Disputes ''. In XXXX, the disputes were considered " Resolved '' but I was not granted any refund. I was also charged again for three of the charges. ( Please see the XXXX Citi Statement attachment ). 

I have tried many times throughout the month of XXXX to contact CitiCards and resolve the issue. Sometimes I talk to the Fraud department, who says it is a Billing Disputes issue. Then Billing Disputes says that it is a Security Issue. The Security says it is someone else 's issue. 

I have not been able to work with CitiCards to have these charges refunded or reversed. 

I also tried contacting XXXX XXXX  to discuss these unauthorized charges. They do not have a customer service telephone number, so I submitted an online form to request a call back. They have not contacted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address and inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX , TN XXXX XXXX XXXX GA XX/XX/XXXX XXXX XXXX GA 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 explanation
Consumer complaint received 2020-04-08
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare : XXXX XXXX XXXX XXXX  XXXX VA XXXX, Account # XXXX This is a follow up to the previous complaint XXXX. I received a letter from Loancare acknowledging receipt of the complaint. Loancare removed the 60 days delinquencies record from my credit report. Event though the {$190.00} is their responsibility when they acquired the servicing from XXXX I went ahead and paid it in full so to stop their continuous harassment with robocalls and threatening letters of foreclosure. Only to find out when I received the following statement that they again started me another escrow account and said i owe {$45.00} more!!! In addition they again reported to the credit bureaus that I was 30 days late. I called the person who wrote me the letter after he received my first complaint with CFPB Mr XXXX XXXX, Office of the Customer, XXXX ext : XXXX but of course like his colleagues he does not pick up the phone nor does he return the calls. Even though in his letter of XXXX XXXX he states that my credit report is now corrected and reflects current status.

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 2021-03-02
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid 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:
On XX/XX/XXXX I purchased a dining table, a server, 6 dining chairs, and 4 barstools. The chairs and barstools were delivered the same week. I had a delivery appointment for the rest scheduled XX/XX/XXXX. They did not show and rescheduled for XX/XX/XXXX. Again, no show. The same thing for XX/XX/XXXX and XXXX. When it got pushed to XX/XX/XXXX, I asked to cancel the order and return the dining chairs so that I could purchase furniture that actually existed. They sent XXXX to pick up the chairs on XX/XX/XXXX. The chairs were received by Ashley in the original, unopened packaging on XX/XX/XXXX. I inquired with Ashley on XX/XX/XXXX as to when I would receive a refund to my card. I received no response to that email. On XX/XX/XXXX, I inquired again and was told that the financing company may have a hold on the refund. I verified with Synchrony that Ashley has not issued a refund request, nor is it legal for them to " hold '' a refund. If Ashley had initiated a refund, the refund would have shown on my account in 3-5 days. I am due a refund of {$470.00} as shown in the order details for the return.

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 2022-03-05
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 XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-04-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
In XX/XX/XXXX, I filed a complaint against Equifax. Since that time, Equifax was supposed to be verifying that the information on my credit report was accurate. Unfortunately, after I filed the complaint, my credit score has dropped nearly 30  points, as opposed to the other 2 credit bureaus ( XXXX  and XXXX  ) who both have increased my credit score. There was no reason my score would have decreased so drastically only out of retaliation from my complaint. I have also had a secured credit card with open XXXX  XXXX  XXXX  since XXXX. Equifax has failed to acknowledge that on my credit report now. I lost my credit card in XX/XX/XXXX, and was reissued another card, but Equifax doesn't acknowledge my positive payment history over the last 2 years. Each month my credit with Equifax has dropped, with Equifax and I am unsure why. My credit score with Equifax is XXXX, there is a nearly 70-123 score difference. Equifax also continues to have an address on my credit report that is a fraud alert, as I have never ever lived at the address!!! ... .This is a continued reluctance on the part Equifax to do its due diligence and report accurate information on my report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, 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 2020-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is through Citizens One Home loans and I recently have been laid off from work do to the Corona Virus ( which is out of my control ), I got in contact with my mortgage company to get details on what would or will happen to my account. I was told by one of the representatives their, that I can make my mortgage payments if I can or I can miss the payments up to 3-6  months but then they told me that at the end of the period they allow you to miss I would be responsible for all the payments I didn't make. When I asked if they had the deferral program they told me they do not have the program and that I would owe the outstanding amount for my home when I return to work all at once. I can not make these kinds of payments while on unemployment do to the lack of income based off of unemployment. This kind of action that this company is doing to people including myself puts way more stress and financial stress on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My previous balance was {$1800.00} including interest charged for the month of XX/XX/XXXX and payment due to XXXX.I was fully paid the amount of {$1800.00} on the due date XX/XX/XXXX. 
Now, I checked online my Barclaycard credit account and I noticed they charge me for another interest charged of {$34.00} and due to XX/XX/XXXX. 

I called that company and I spoke the manager XXXX.I told her Im fully paid last XX/XX/XXXX and I dont have any credit balance why I have still interest charged of {$34.00} and due to XX/XX/XXXX. 
She said thats my accrued interest charged and she refused to waived that amount. 

This not fair in my side.How I cant get interest charged again, Im fully paid and I dont have balance in my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief