BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: MO
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 sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor. I have filed several disputes with the credit bureaus and they are responsible for the burden of proof and method of verification this debt is not accurate and should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I discovered that the transaction XXXX Card/Account # XXXX has been furnished to the Trans Union XXXX XXXX, and XXXX and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.

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 2022-10-21
Company: TRUIST FINANCIAL CORPORATION
State: CA
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:
Truist purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.

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 2022-03-07
Company: Monterey Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX Tours Agent XXXX XXXX Lied to me and told me I would be able to cancel anytime without penalty. The next day on XX/XX/2021 after signing up, I sent a text message to him telling him that unfortunately after thinking about it, that we would rather not committ at this time, but never received the FREE cruise that was part of participating in the webinar. He sent me the FREE cruise which was not free at all and no options. I then contacted him again on XX/XX/2021 because I started to get harassing calls from Monteray Financial Services saying I owed a balance. I sent him the message stating that I have been trying to email to confirm cancellation of the membership and that I am not able to pay this because of a family emergency and I had been told I was able to cancel and that I cancelled with him back on XX/XX/XXXX and I should not be receiving calls. Also attached is the cancellation policy that specifically says that I can cancel without penalty with in 3 days of the above dates which was XX/XX/2021 and I followed that by contacting him on that specific date ( see text messages ) I told him that I was reaching out to membership services through email as well several times and no one has gotten back to me. He never answer back. Then I sent him another message on XX/XX/XXXX stating again I have reached out multiple times and that I need this service cancelled. I never used an services from them and their financial company kept calling and calling about this debt that I cancelled after being told I could cancel at anytime. The agent, XXXX XXXX, never responded to me at any time and when I finally got in contact with someone, they basically told me that I was a liar and that they would never say that. I still get unauthorized text messages from XXXX XXXX trying to get me to come to another webinar and try to sell me their product in which I never wanted the first place. They can text me about that, but their agents won't get back to me and lie about membership. Then yesterday, Monteray Financial has now reported a huge balance on my credit report in which should not be there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX & XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX & XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: AZ
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:
In reference to my CFPB report XXXX. The Credit Bureau Experian, received a complaint from XXXX XXXX XXXX Rewards Card that I was over 30 days late on the last payment on this account for {$23.00}. All payments to this credit card company had been on auto-pay. My credit score was rated as good until this late payment was received from XXXX XXXX. I disputed this allegation to Experian, but my credit score still plummeted. In my dispute, I explained that this was in retaliation against me for filing a complaint to the cfpb. I further explained that I could not be late on payments because this account was on auto-pay. 
I had written Experian a letter and included three statements from the credit card company showing the statement " Auto-pay ''. 
Experian denied my dispute. 
This was during a time I was attempting to get a Home Owners Line Of Credit on my home and I was denied.

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 2018-09-09
Company: CITIBANK, N.A.
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
I received a letter on XX/XX/XXXX, stating a credit had been issued for a Citibank card that my daughter was rectifying, and that the account was closed. No where on this letter does it state that there was a balance due on the account. Prior to this letter, I had no knowledge there was a balance owed on this account, or that it was in arrears. 
XX/XX/XXXX, I was contacted by a collection agency for a Citibank card for which I did not possess with a balance of {$5900.00}. I did not receive a statement from Citibank for any outstanding charges on this account. 
I contacted the collection agency stating that I was processing a dispute with all 3 credit bureaus. Also, I disputed 2 addresses on my credit bureau reports listed in Maine, and contacted the FTC to inform them of this fraudulent activity. 
I sent a registered letter to the collection agency informing them of the actions I had taken with the FTC and credit bureaus. 
On XX/XX/XXXX, I contacted Citibank and spoke with a representative who informed me that I was responsible for the balance on this card and should pay the full amount. I was then transferred to another department and was told that I could fax a letter to Citibank asking to see a list of charges. 
On XX/XX/XXXX, I received a voicemail from Citibank. I listed to the message 3 times and my husband listened several times but neither of us could understand what the person was saying. 
On XX/XX/XXXX, I sent registered letters to the Chief Compliance Officer and General Counsel listing the information as I know it, and asking for assistance. 
As of XX/XX/XXXX, I have heard nothing. 
However, on XX/XX/XXXX, I received via XXXX a statement from Citibank with no charge detail, just a general billing statement. 
I have no idea what was charged or if there was any fraudulent purchases on this account. No one at Citibank was able to tell me what was charged or amounts for each purchase. 
As of XX/XX/XXXX, the Maine addresses have been removed from my credit bureau 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 2023-07-27
Company: MIDFIRST BANK
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$420.00}, XXXX in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Midland Mortgage , a division of MidFirst Bank XXXX XX/XX/XXXX. They accepted my instrument but did not credit my account. I did call on XX/XX/XXXX and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX, a supervisor ; this call has been recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Please see attachments. I've also sent them readings on the " Banking Act of 1933 ''.

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 2022-10-21
Company: EQUIFAX, INC.
State: SC
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:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation I haven't received any response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/2022 a purchase was made from my account using my debit card in the amount of {$1900.00} and all it said on my statement was " ORDER COMPLETE XXXX TX. '' I keep a pretty good record of what I spend in my account and do know of any large purchases made, however this was not a purchase I made. I didn't discover this transaction until about a month later and panicked, immediately I called the bank, they cancelled my card and said they would investigate the charges. I had just gotten back from a trip around the time this occurred so before I balanced my ledger with all my receipts I thought a few other charges looked suspicious too and included those in my claim. My claim was denied on XX/XX/2022 stating there weren't any false charges. At that time I realized that the only charge that was fraudulent was the {$1900.00} and I called them back, asked why they denied my claim, I assumed it was because of the travel charges that were definitely mine and had those removed. They came right back and denied the claim again stating it was not fraudulent. I asked them for the name of the merchant so that I could try and contact them and get a refund through the merchant, but they could not provide me with anything other than what was on my bank statement " Order Complete XXXX, TX. '' I no longer have the same phone service so I can't tell you what dates I called on, but I called three more times asking again for the contact name and number of who the purchase was made from, all three times, one involving a supervisor, I was told the same thing, they didn't have that information. Why would a bank approve a charge that didn't provide the name of the merchant? They said that I made other big purchases so it was not outside of my normal spending habits. That is not a good reason to approve a charge or to say it wasn't fraudulent. I know exactly what I spend, especially any big purchases, but this was not one of those purchases. I did not spend {$1900.00} and I have XXXX recourse with the bank since Capital One won't investigate further or even provide me the name and number of the vendor when the purchase was made from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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. 
XXXXXXXX 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 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 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 2020-02-05
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX Payoff ordered XX/XX/XXXX. It was even escalated on XX/XX/XXXX. THREE WEEKS LATER WE STILL DONT HAVE IT!!!!!!!!!!!!!!!!!!!!! -- -- -- -- -- -- -- -- -- -- - At this point PNC is well outside Federal and State guidelines for providing a Payoff Demand, the consequences of which include Civil & Criminal Penalties. 

-- -- -I want the Payoff Demand delivered to us without further delay or pathetic excuses. THIS IS RIDICULOUS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chime bank account was closed completely after i filed disputes with them because someone fraudulent used my card and identity. After reporting the theft to chime and providing my supporting documents on XX/XX/2023 they closed my account two days later XX/XX/2023 stating I didnt comply with the deposit account agreement. I have been using chime to receive my paycheck every two weeks which was well over {$1000.00} every two weeks, i used the account responsibly and never misused it. Once they closed my account i was informed my account wasnt eligible for a refund, they just stole my hard earned money. I had two deposits being ready to be refunded from my trip and was told by a representative theres nothing they can do. My account was fraudulent used for almost {$4000.00} i did the right thing and reported it and Chime is acting like Im the criminal. I sent them my police report and my Identity Theft report it went ignored completely. And after looking at all the complaints from consumers i think this is racially motivated all these people are XXXX Americans.

Company response to consumer: Closed with monetary relief