BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
I sent the proper paperwork to the company and all XXXX credit bureaus to remove XXXX XXXX from my credit report and its has not been 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 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraudulent activity on my fathers bank account for XXXX and they closed the account & he never received the money back, I Became my fathers POA XX/XX/XXXX, he was dying of XXXX XXXX, he asked me to look into his account there & find out about the {$2900.00}, he also had CDs, A Savings account I went to the branch several times filled out paperwork, received a letter my POA was approved went back to the branch several times, called customer service never got any help. I put a complaint in & Even from Capitol One complaint dept & told me this should have never happened. He had me call another number. My father passed away on XX/XX/XXXX, for the first time I got any info was on XX/XX/XXXX from a XXXX saying I couldnt get info because I was not POA when his account was opened & I could have called with him or went to the bank when he was alive & got all the answers. Thats was over a month that he passed away. I would like to know where my fathers money is. I have all dated paperwork proving they should have gave me his information and I could have gotten his money back. It feels like Capitol One stole from a dying man.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: DISCOVER BANK
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:
As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to, 15 U.S. Code 1681n - Civil liability for willful noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to have my loans consolidated into XXXX payment on a income based repayment program. I received a letter on XX/XX/ stating I had 10 days from the date on the letter to call them with any questions or they automatically consolidate it. The letter is dated XXXX so thats already 5 days even though I just received it. So I called on XX/XX/ as soon as I received the letter as I am confused about certain things and I am not sure if I want to go through with the consolidation. I was on hold for 3 hours with no one ever answering the phone. So I called back today XXXX right at XXXX XXXX eastern time as soon as they open and now I have been on hold for XXXX minutes and counting without speaking to a real human. I am nervous I am not going to get through because no one ever answers and I only have a few more days to speak to someone before they automatically consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Expanse Financial Technologies, Inc. f/k/a Prepaid Ventures, LTD
State: PA
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 XXXX Account # 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

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
For some reason my Line of Credit has 3 account numbers : XXXX / XXXX and XXXX. XXXX & XXXX charge 3 % interest and XXXX charges 10.69 %. My problem is that when I pay the request amount due on account XXXX only a portion of that payment is posted to XXXX, the remainder is posted to one of the other 3 % interest accounts even though I had requested on line, in person at the Truist Bank and have written on my checks that the payment is for the XXXX account only. 

This has been done several times. The Truist Banker in XXXX XXXX XXXX had spent 1 hour with me as she spoke to 5 people at the Truist Processing Center with no satisfaction. The banker told one of the Processing Center people that she did not understand the problem and could understand how the customer was confused. 

For example on XX/XX/2023 Min payment due on account XXXX was {$120.00}. I paid by check {$120.00} with a note that the payment was specifically for account XXXX. When I received my statement I found that {$9.00} went toward the principal, {$29.00} toward interest and {$2.00} for hazard insurance. Where did he remaining amount go? At this rate I'll never get the XXXX account paid 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 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo was charging my large expenses first and then running every little charge even though they should have went through first so they could hit me with as many overdraft fees as possible. After going to the bank and getting some help but that's when I realized what they were doing. Not long after getting some of the XXXX fees dropped it started happening again and put my account in the negative during COVID-19 and I didn't have a job because they had shut down the 90 day XXXX I worked for, I hired a company that was supposed to get all the fees refunded and it would have put my Wells Fargo account back in good standing. But while the company was negotiating with Wells Fargo about all the fees I received Wells Fargo closed my account with no worming and the only thing that they said was that the account was in the negative and that they had the right to close it. They only decided this after I hired this company to work with them to refund all of the overdraft fees and they were expecting Wells Fargo to work with them and once they closed the account there was nothing else the company could do. I have seen many lawsuits against Wells Fargo for this exact same reason and I think I deserve to have those fees dropped and a check from Wells Fargo to open up a new bank account that I can trust.

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 2023-08-05
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:
During the XXXX pandemic, I fell victim to identity theft. I followed all the procedures, filing identity, theft, affidavit, police reports, submit it to the collection, agencies and credit bureaus, which all have failed me and was just generated a random generic validation. Ive reached out to each individual credit report bureau that is reporting these fraudulent accounts on my name, and they have failed me yet unable to give me validation of how they were verified. Other than there was an online application, submit it and verified that is their only verification of the debt, they have failed me as a consumer to investigate and block these fraudulent charges as I requested and did all of the steps they had asked me to do. I have no more faith as a consumer in our credit reporting agencies is a report, false information, and on my part fraudulent information.. In 2021 there was an account with fair collections XXXX for a real estate company for a lease for a home. I have dispute it with them which they have failed me and also the credit bureaus Im being ignored from this point as Ive sent them, my identity, theft affidavit, and my police report, proving that in fact, my identity was used without my permission, and I resided in the state of Florida during the time of these fraudulent accounts. All three XXXX XXXX, XXXX and Experian are reporting false and fraudulent information on my report which is causing me harm to my personal life, and I am unable to live my daily life financially due to the fact of these accounts being on my reports, and Im not able to move to another home because of these accounts on my name. I think you in advance for investigating the situation with the credit bureaus and exercising my rights as a consumer. 

Fraudulent account XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX, MD XXXX Account XXXX Account to 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 2023-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have to constantly change my number because Portfolio Recovery Services calls me constantly. I tell them to stop calling I even have recorded phone calls telling them to stop but they won't. They even called me when I'm at work sometimes they will back to back call me. I will block their number they will use different numbers. I have to change my number constantly I had phone numbers XXXX XXXX XXXX and many more in the past all because this company harassed me. The information they got as well is not correct and I got 2 times that they called me outside of XXXX XXXX  cut off limit. One is at XXXX XXXX  and the other is at XXXX XXXX. Almost XXXX XXXX  at night when I have to work next morning I can't get any sleep. I have recording after recording asking the telling them to stop. They won't atop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: PA
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 XX/XX/XXXX someone else used my credit card fraudulent to purchase an XXXX XXXX XXXX XXXX without my consent at an XXXX XXXX XXXX XXXX XXXXXXXX. 
The credit card was in my possession at all times. After finding out that my card was charged fraudulently I contacted Citibank ( the card is theirs ) and let them know on the same day that my card was charged for the amount of {$1500.00}. They replaced my card with a new one and a new account and the amount was put on hold due to the fraud investigation. 
On XX/XX/XXXX the charge was reinstated. Contacted credit card and their answer was that the charge on my credit card was valid and myself picked up the merchandise from the XXXX store based on the answer from XXXX. This charge is not valid. I was not ordering anything and i did not pick up anything from that store period!!!. Of course XXXX said it was me because they do not want to be left empty handed!!! Shame on them!!! 

If this is the way that a credit card company is protecting their consumers then they are very WRONG!!!!.

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
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, my name is XXXX XXXX XXXX, my XXXX is XXXX. The first day i was opening my account banker scan my documents and after wrote over they, that's why they are not correctly in the Database, thats why they are no legible, thats maybe the cause of all this situation. I have send the documents more than 5 times, including through the one of their managers. 

Now Chase retein my funds from XX/XX/XXXX till now and nobody give me and straight answer, last call they was saying that the funds where in OFAC but is imposible because i have OFAC confirmation and they don't have my funds. 

Today they was trying to tell me that is my fault, because i don't have a legal document, in that case, why they open the account in a first place...? Is not my mistake. 

But honestly is not correct, i have I XXXX and I'm legally working and living in this country. 

They told me now 8 times " We are gon na send the check next week '', the first time was in XXXX, but never happen and the story start over and over again without and end. 

I'm really upset, because i have tell they that i wan na close my account but i don't know why in 6 months they don't close it, whats is rare because in the Branch they have a note saying that i can make a withrowal but they can not make the overwrite in the system and thats it. 

I have call more than 20 times, every call 1 hour or 2, they have call several times with a different version of the situation, i have been in the Branch several times, more than 15 times, in differents Branchs actually ... what i need to do to receive my funds??? 

I have my son and wife suffering this horrible situation and i have been paying everytime XXXX plus my rent payments because Chase have my Funds and i have delays. 

I need a Senior Manager and the solutionplease... ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Bread Financial Holdings, 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:
An inquiry dated for XXXX Mastercard on XX/XX/23 that I did not do. I have no more information about the account. I got that information from my XXXX credit report. As well as US XXXXXXXX XXXX that I did not inquire either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I am reaching out today inquiring about a traumatic experience that happened to me some years ago and is past the statue of limitations period. I reached out to the fraud division years ago also reaching out to our Attorney General 's Office. Multiple times. 

I was the victim of an elaborate housing market scam in late XXXX during the housing market collapse. I was presented an opportunity with a person whos portfolio seemed solid and since I was very young I trusted them. At the time I was working for the state of Delaware as a pay grade XXXX or XXXX barely making XXXX, working with this person who informed me that flipping homes is a great investment and they would help me with whatever I needed. 

At the time I did not have much credit, but it also wasnt poor credit either, this person was able to scam and forge documentation to the point I was given a XXXX loan to flip a property at the following link. 

XXXXXXXX XXXX XXXXXXXX The person attended the closing with me, the lawyer kept asking me if I was SURE this is what I wanted, but I trusted them and said yes. After closing was complete, I never saw or heard from this person again for years. I also found out that the person who helped me was working with the seller of the home. Home was never finished, and when going to the county for answers I found that the property did not have water pipes, and was not even a residential property at all. I have found out that others have also been scammed and records show the father of the person who scammed me was the seller.

Also documents will show a misuse of my middle and hyphenated last name which proves that documents were forged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MI
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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