BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: DISCOVER BANK
State: MT
Product: Credit 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:
In XXXX I purchased some items that were not resolved one for {$280.00} and the other for {$490.00}. There were items missing from my order. I tried to resolve with the company and they told me to weigh the box. I finally got them to accept a return of the items. I sent this proof to DiscoverCard and they did not accept this evidence that they received their items back even with the company saying that they got them back.

Company response to consumer: In progress
Consumer complaint received 2019-07-31
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.

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 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital one auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated

Company response to consumer: In progress
Consumer complaint received 2023-04-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a CitiGold account with Gold Debit Card. One of heavily advertised benefits of this account is a Subscription Rebate program, which refunds up to {$200.00} per year for certain subscription services. I am registered for merchants XXXX XXXX and Costco, same merchants I have been registered for the last 2-3 years. 
On XX/XX/23 I purchased Costco membership for amount of {$130.00} after taxes. I was expected to get rebate within days, but as weeks went by, I decided to contact CitiGold customer service. Once again, I was expecting to see rebate hit my account within days, but it did not happen. No one from Citi had even tried to contact me, and after a few weeks when I called them again, I was informed that they decided not to credit me the rebate as they advertise. It is perfectly acceptable for them to stop offering this service for all CitiGold customers, otherwise they do not have a right to pick and choose when they want to pay a customer back and when they dont.

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 2019-06-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a second mortgage on my home in XX/XX/XXXX with maturity date of XX/XX/XXXX, from Household Finance, ( agreement attached ) for a total of 240 payments with no balloon payment. 
I am unsure when but at some point HSBC took over the loan or merged with Household. In XX/XX/XXXX the mortgage was taken over by XXXX XXXX. I have made my XX/XX/XXXX payment and will be making my XX/XX/XXXX regular payment of XXXX as soon as XX/XX/XXXXclears. My maturity date is XX/XX/XXXX and my balance before the XX/XX/XXXX and XX/XX/XXXX payments is XXXX, I do not understand this balance and have been trying to obtain information from XXXX ( which they have been helpful ) and HSBC as to why I have this balance. 
XXXX has sent me payment history from XX/XX/XXXX to present ( attached ) and this shows 10 missed payments as you can see, and they are XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which would be equal to XXXX, but I do not understand why these payments are missing as loan is not showing modification which I believe I would have had to agree to and sign. I have also tried to obtain payment history from XX/XX/XXXX to XX/XX/XXXX and I have called HSBC but they have been very uncooperative and said they do not have access to household accounts. XXXX on the other hand has provided me with the payment history from XX/XX/XXXX to present but for some reason I am having a problem getting XX/XX/XXXX-XX/XX/XXXX. I  would greatly appreciate any help you can give me in determining why I have this large maturity balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 third 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, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts still on credit report

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 2023-08-15
Company: EQUIFAX, INC.
State: PA
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:
Payment History on my account is Still incorrect I sent Proof of all Dates and still they haven't fixed anything, my score just goes up and down when they correct it then they put it right back, why are they getting away with this and nothings being done my next step is to get a Lawyer if this is not corrected. Indigo has been doing this to me for XXXX XXXX years now and my credit score is just getting hit, this should be against the Law, I'm sick of it. All of my other credit cards you can see the consistent payment History I want this fixed A.S.A.P this has been going on for to long. 

I can be reached at XXXX My Address is XXXX XXXX XXXX XXXX XXXX, PA XXXX not XXXX XXXX XXXX XXXX please correct in Data base Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar/DBA Mr. Cooper and their Predecessors have not sent Welcome and Good-bye letters when my mortgage changed ownership. 
My loan originated on XX/XX/XXXX, with XXXX  XXXX XXXX. According to the Pooling and Servicing Agreement, the loan was assigned to a XXXX XXXX Trust on XX/XX/XXXX. I did not receive a letter of notification by either XXXX XXXXXXXX XXXX or XXXX XXXX. 
According to a recorded Assignment of Mortgage which took place on XX/XX/XXXX, the mortgage transferred ownership from XXXX XXXXXXXX XXXX to the same XXXX XXXX Trust. There appears to be a missing Assignment of Mortgage which should have taken place between XX/XX/XXXX and XX/XX/XXXX. If there is no such Assignment of Mortgage, XXXX XXXX  XXXX would not have had the legal standing to transfer ownership back to the XXXX XXXX trust, since it was apparently already owned by XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I did not receive letter notifications from either XXXX   XXXX XXXX or XXXX XXXX between the dates of XX/XX/XXXX and XX/XX/XXXX when these transfers of ownership should have taken place. 
On XX/XX/XXXX, the mortgage was transferred from the XXXX XXXX trust to Nationstar Mortgage. Again, I received no letter notifications from either Nationstar or XXXX XXXX informing me of this transfer of ownership. 
On XX/XX/XXXX, the mortgage was transferred from Nationstar Mortgage back to the same XXXX XXXX trust. Again, I received no letter notifications from either XXXX XXXX or Nationstar. Since XX/XX/XXXX, my mortgage has apparently changed ownership 4 times and possibly 5 times. 
As specified in the Truth in Lending Act, the owners of my mortgage were required by law to inform me in writing of these ownership changes. 
Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of assignees states the following : ( g ) Notice of new creditor ( 1 ) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including ( A ) the identity, address, telephone number of the new creditor ; ( B ) the date of transfer ; ( C ) how to reach an agent or party having authority to act on behalf of the new creditor ; ( D ) the location of the place where transfer of ownership of the debt is recorded ; and ( E ) any other relevant information regarding the new creditor.

( 2 ) Definition : As used in this subsection, the term " mortgage loan '' means any consumer credit transaction that is secured by the principal dwelling of a consumer.

I have requested copies of these Welcome and Good-bye letters many times, but have never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently received my credit report XX/XX/2023. I am writing to dispute the validity of the debt that you are attempting to collect in accordance with 15 USC 1692b. I am referring to the complete credit solutions account. With a past due balance of {$2300.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter. 

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question. 

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, 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 2022-12-25
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my 4th complaint against Contract Callers. A collection was re- added to my credit report on XXXX XXXX. These collection companies must be stopped. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. Is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. Please stop this company from contacting me and harassing me after the last CFPB complaint or I will find a free law service to help me file a harassment lawsuit. My last complaint was filed XX/XX/2022. Why is this activity from this company allowed. I never received mail correspondence from them. This is illegal what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im actually having a problem with the three major credit bureaus not investigating this enough. XXXX XXXX XXXX/ ( also can be found as XXXX ) inaccurately reported a 60 day late back in XX/XX/XXXX/ XXXX when I was doing a consolidation of all school loans with the current lender. They were the ONLY lender, during this process, that did not cooperate and get the information to the soon-to-be consolidating company, and during this time my loan with them was supposed to be forbearance because it was processing as a consolidation and the payout information could not change. I did that process with them, but I had no idea that they did not only not get the info to the consolidator, but they also marked the loan as 60 day late! I can not even express how frustrating this has been to get removed. They no longer exist, and I spoke to them before they were shut down by the Federal Government back in XXXX when they were sued for Millions of dollars because they were not servicing loans accurately, timely and accordingly! They were sued for the very reason Im trying to get this off my credit. You can even look at all my school loans, I never have had ONE late during all this time, except with them. This is totally inaccurate and frustrating because the credit bureaus dont seem to know what they are doing when I have disputed. I just dont get it. Im copying and pasting this article so you can see what Im talking about how they were sued. XXXX XXXX XXXXXXXX Please help me, I want to simply get this 60 day late from all three credit bureaus because its still impacting my ability to get better rates, loans, leases, etc. Please can you help???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2022-06-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo claims International Wire Transfers can't be refunded. I was scammed into making 3 installments using my savings account money, then monies unknown to me at the time, which were transferred from other accounts I had access to under my name but were my mother 's. My brother and I had rights to overseeing her checking and savings. 
No red flags signaled the banker to stop the transactions or question me further. They assumed I transferred monies in large amounts without even a warning, or if this was legit. 
The first date was XX/XX/2022, ( {$19000.00} ) then XX/XX/XXXX ( {$38000.00} ) then XXXX installment was done on XX/XX/XXXX ( {$19000.00} ). 
Along with these scams were others involving XXXX money cards and XXXX gift cards. The whole scam period continued for 10 days, with a confession from one of the scammers on the 11th day. They impersonated a Wells Fargo Fraud agent and a FTC Commissioner. I have made a police report and one with the FTC.

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 2018-11-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a copy of my FTC identity theft report to all credit bureaus to remove items that were fraud and not submitted by me. XXXX & XXXX investigated and removed those items. Equifax investigated and did not remove anything. This is causing negative effects on my life. 

{$1000.00} collection, I disputed with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with Capital One, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

Capital One XX/XX/XXXX XXXX XXXX XXXXXXXX / XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: EdFinancial Services
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my student loan balance of XXXX dollars on XX/XX/2023 to EdFinancial. I recieved a paid in full email from them also. The balance is still showing XXXX dollars on their website and on my credit report. 

I've called numerous times every week trying to get them to fix this but they always give me the runaround. They say they do not see a payment for XX/XX/XXXX but I have sent them bank statements and screenshots of where I paid on their website. I just want them to change my balance to XXXX and get the balance off my credit report.

Company response to consumer: Closed with explanation