BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been a victim of Identity theft and there is an active report with FTC. The following inquiries I did not do. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXX/XX/

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 2023-02-11
Company: Factor Trust
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CITIBANK, N.A.
State: NY
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 writing to challenge Citibank 's position on a disputed charge. I placed an order with a merchant. I did not receive my order. I contacted the merchant to resolve the issue. Then I contacted Citibank to resolve the issue when the merchant stopped responding. 

XX/XX/2018 - Order placed at XXXX XXXX XX/XX/2018 - Order had shipped according to tracking number XX/XX/2018 - I contact the merchant because the tracking number indicated that the order was delivered to me, even though it was not. I ask for assistance. 
XX/XX/2018 - I email the merchant again because I did not hear anything from them, and they have no phone number by which to contact them. 
XX/XX/2018 - The merchant informs me that they must open a claim with XXXX before they issue a refund or a replacement. They estimate that it will take 5-8 business days. 
XX/XX/2018 - 9 business days later I contact the merchant to see if there is any update. 
XX/XX/2018 - I am once again told by the merchant that after the final paperwork is received from XXXX, that they will issue a replacement or refund. 
XX/XX/2018 - I ask how much longer the process will take. 
XX/XX/2018 - After receiving no response I reach out again and ask for a refund. 

I placed an order with XXXX XXXX. I contacted the merchant as soon as I realized that there was a problem with the delivery. They had promised to address and rectify the situation several times. I have been sending Citibank emails and screenshots for months now, and I received a letter saying that they can not resolve the dispute in my favor because they have not received a " credit slip or chargeback approval from the merchant to prove they agree '' I am due credit for this charge. The merchant would not help me in the first place, which is why I had to resort to contacting my credit card company.

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 2023-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, XXXX formerly XXXX acct. # XXXX ..., XXXX XXXX # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. store/ XXXX  XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX ..., XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX  acct. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 explanation
Consumer complaint received 2018-08-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I noticed on XX/XX/2018 that my checking account had - {$49.00} and that the reason for this was because the credit card company deducted the full ( {$670.00} ) credit card statement from my checking account instead of the minimum amount ( which I had set up to be deducted monthly using auto pay ). I immediately called the credit card company the same day to reverse this payment, which they said they wouldn't be able to do until the payment was out of " pending ''. Once the payment went through on XX/XX/2018 I called again because the funds still were not transferred back into my account, to which they said, it would be one more week until that would happen. I asked if there were any way to speed that process up. They told me the funds would go back into my account within one to two days if I faxed them a screen shot of my bank statement showing the {$670.00} that was deducted with my accounting and routing numbers attached. I sent them this information the same day. I called again, Saturday XX/XX/2018, because it had been three days since I last called and the funds were still not in my account. They told me they would not be able to begin the investigation process until the following Monday because they are not operational on weekends. I called back Monday, XX/XX/2018 to see If they had started to correct the issue. The supervisor told me it would take up to five days from XX/XX/2018 until the payment would be transferred back into my account. That was today and is the reason for my complaint.

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 2022-05-26
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
I have not owned the property that this mortgage was attached to in XXXX of 2019. The property with the mortgage in question was sold at a judicial tax sale. The tax sale was held and administered by the XXXX XXXX XXXX XXXX XXXX. Once the property sold at the tax sale, the lienholder continued to pursue me for the debt. 

I have spoken with them countless times on this matter. I have made no progress. They have continued to report negatively to the major credit bureaus. I do not know what else to do. 

The Mortgage company is SPS Loan Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: GA
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:
Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX 2021-ok, then XXXX XXXX 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and Experian yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX XXXX they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am filing a complaint against the 3 credit bureaus for having my bankruptcy on my reports. Transunion, XXXX, and XXXX all have my bankruptcy listed on my report yet the courthouse in which I filed does not report to the credit bureaus. If the courthouse does not report bankruptcies to the credit bureaus, where would the credit bureaus get this information from.

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 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$17000.00} XX/XX/2020 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
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: Account status incorrect

Complaint:
Collector is : Castle Credit Company Holding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX : I am writing concerning an account I co-signed on with my stepfather and how you are reporting this account. This was done back in XXXX. My stepfather per my credit report did not pay on this account since XX/XX/XXXX. This home was sold and a new owner in XX/XX/XXXX so I am not sure how this account was not settled and why it is still reporting open and active under my credit with 120 days late payments for the last 5 years.

I have been harassed for the last five years by this company, they call my cell phone, place of work and have been told on numerous occasions that my place of employment is not a place I may be contacted at, as I am not an office employee and have no access to speak on the phone with anyone. 

I have tried to talk to them to fix the way they report this but instead continue to report inaccurately. The only way they are willing to close this account and report correctly per my phone conversations with them, are if I pay the full amount owed by my step father. They continue to threaten to report inaccurately until I pay a balance that was settled when the home was sold, they have also refused to give me further account information unless I provide a payment. 

I need help settling this and would like for this to report accurately on all three credit bureaus. What is being done to me is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I disputed a charge on my Capitol One Quicksilver Visa by a streaming company ( XXXX ) because their service stopped working. Initially they removed the charge. Later I received a letter from Capitol One informing me that they reinstated the charge. The letter stated they received notification from the vendor that the goods were received as described and in good condition. 

The supporting evidence provided by XXXX states that " we continue to move forward on a resolution. We have been working in good faith with our vendor... .we do not have a timeline '' for resolution. 

In a later second communication they state " we are so sorry the service interruption has continued ''. 

This outage went on for weeks and despite what they say the service wasn't received as described. 

XXXX also provided sign in logs. You are able to sign into the site, but once logged in you can not access any programing. The sign in logs are meaningless. 

Despite this Capitol One Quicksilver Visa sided with the merchant. 

I decided to close the account because to continue to dispute the charge I would have to spend too much time jumping through Capitol Ones hoops. All they have to do is read the information that the vendor provided to realize that they haven't delivered the service as provided. When I tried to close the Capitol One account I was told I couldn't because the dispute was still open. When I tried to close the dispute they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
5 days ago I called Mr. Cooper and told them that I recently got Covid in the month of XXXX, 2022 and requested them to give me a forbearance for 7 months without affecting my credit, I was told by the last agent I spoke with that she will send me an application by email and on my account in Mr. Cooper website, I still haven't received that Application. 

I was told that it will take 30 days to process the application but still I haven't received the application. why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them repeatedly to stop calling and to correspond with me through mail. Was told I owed a debt and I had to pay it, and it's not their fault I can't my my bills on time. Was asked how much I make a month because there's no reason I can't pay them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023 I woke up in the morning and {$300.00} was missing from my cash app account. When I reached out to cash App, they said that it was a glitch in the system and they never took out the money from my original purchases months prior. When I explain to them that was not correct, and that the money was taken out my account right away when these purchases were made, and now another XXXX was taken out of my account, They told me I could not dispute it and kept hanging up the phone on me. I have wrote several complaints about this to cash app support including talking on the phone with support. No one has been able to assist me with getting my money back or even hearing my complaint. I literally just woke up out of nowhere and {$300.00} was missing out of my account from Cash App. 
I also reached out to the XXXX, and consumer.ftc.gov to address my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATION/XXXX XXXX XXXXXXXX Account name XXXX UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes 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 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