BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I have sent in countless letters to Experian, XXXX, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. Experian, XXXX, and XXXX please delete the account before I seek 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 explanation
Consumer complaint received 2023-09-18
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I got a call from Radius Global. They called to collect a debt that my husband owed before we got married. I am not liable for any debts from before our marriage, which was last week. This debt was two years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i called XXXX XXXX XXXX XXXX on XXXX and did not allow me to close my account. 

i also do a chat on the website and they did not close my account on XXXX. 

they will not allow me to close me account until i travel 2000 miles to a location branch in texas to close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft fraud and I have filed multiple disputes with this company and the credit bureau, yet it remains on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are inaccurate adverse accounts that are negatively impacting my livelihood.

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 2022-01-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During the period of XX/XX/XXXX to early XX/XX/XXXX it was determined that I had become the victim of identity theft as someone was attempting to open a bank account using my information. Immediately I worked with Citi bank ( the only credit card company of which I had an active balance ) to review any outstanding charges. I also immediately demanded that my account assoiated with the then card endind in XXXX be terminated and a new card ending ending XXXX was issued to me. As part of this investigation I noticed an unrecognized amount of {$240.00} had been charged to my former CITI account ( ending XXXX ) on XX/XX/XXXX with a description of " XXXX '' from XXXX, FL. As of XX/XX/XXXX, I notified CITI bank that I had NOT made this purchase and that I was not at all aware of this Company. CITI then placed a " SECURITY CREDIT-ITEM UNDER INVESTIGATION '' credit on my new account for the {$240.00}. I have now received a letter from CITI dated XX/XX/XXXX stating the merchant provided them with my address as proof of purchase and, therefore, they threaten to re-charge this amount to my account. However, there has been no such purchase made, the entity/merchant name provided does not exist online nor on record search. I have also made sveral requests to receive an invoice copy of this purchase/charge to no avail as I have not received a response from CITI regarding my several requests. Obviously, I do not believe there is an invoice copy to send to me as I have not made a purchase with this merchant. A invoice ( proof of item purchase ) is demanded for payment to be considered.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2017-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage ( original Charter One Bank ) now serviced by Citizens One XXXX. The loan is a XXXX ARM with an interest rate of 2.500 %. About a year ago Citizens One contacted me and asked why I was making payments on the XXXX day of each month instead of earlier. The terms of the note provide no late charge if paid by the XXXX day of month. I complained that this was sort of like harassment - but changed the monthly payments to XXXX to not hear about this again. A few days ago I received a mortgage statement showing an " overdue Payment '' of {$980.00}. The statement is dated XXXX XXXX, 2017 and does not include any late charge. This seems like a wrongful attempt to obtain payments before the agreed due date. If this is systematic I hope CFPB can investigate and demand they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: UT
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:
Experian as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted Experian to resolve this matter. They said they have verified the debt without fully investigating it.

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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX  - I was in the process of placing an online order on XX/XX/2022, when I stepped away for a few moments to find a code for a bonus item. When I returned to my computer, the order had been processed and I was denied the opportunity to enter the code. I then called customer service to complain, and was told I could not add the bonus item, nor could I cancel my order! The person I spoke to was rude when I questioned why I could not cancel my order since I had just placed it ( within 30 minutes )? 
Comenity - XXXX XX/XX/2022, I went to Comenity online to pay the balance for the order I was forced to accept as there was no plausible way to return it without incurring more expense on my part as the order came piecemeal. I thought that my payment was accepted, however, when I noticed a few days later that I had not received a receipt via email, I went online to find that the payment had not posted. I again attempted to make the payment online and it apparently went through. Their records should show my login and attempts to process the payment well before the due date. 
on XX/XX/2022, I wrote to Comenity with my card enclosed and requested that my account be closed and I be sent a final bill. That request was ignored as well. 
I was alerted to their posting to my consumer credit account from XXXX XXXX. It appears that they refused to close my account, and instead added late payment charges and interest and then reported my account as closed in XXXX, 2022, with a balance of over {$300.00} for which they finally sent me a paper bill! I have been receiving harassing robo calls from Comenity ( sometimes 4 per day ) for months now despite having told them on the phone twice that I did not owe them anything. 
It appears that XXXX XXXX is intent on forcing customers to place orders, then has glitches in their online payment system, then proceeds to trump up late and interest charges while refusing to close the account, harassing people by telephone, and then proceeds to destroy one 's credit rating. 
As I have told them on the phone, all I want is the bogus charges and detrimental credit report removed. I will speak to a lawyer before I pay them another dime for an order I could not cancel!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In the winter of XX/XX/XXXX I went to Wells Fargo for a Pre-Approval letter to purchase a duplex investment property. The loan person XXXX spoke about what good investments rental properties are and said I would need to put up 20 % as a down payment as oppose to VA loans. She gave me a letter stating just that on Wells Fargo letterhead. I negotiated the sell price based on this information, went under contract and submitted it to the bank. Well after ratifying the contract, I got a email from XXXX listing addition items needed to proceed. The last bullet was a note saying " by the way, it 's not 20 % but 25 %. Needlessness to say, I was neither happy about the content, the mis-information or the manner in which it was now being made known. I complained to every level of Wells Fargo and told that nothing could be done but as a token appeasement for this multi XXXX dollar error, the bank would refund me the cost of the appraisal at closing. That did n't happen either. It toke about XXXX weeks. Flash forward to XX/XX/XXXX. I get a escrow shortage letter like none I 've ever seen before for this property. First of all, I have only had the mortgage a year. Secondly, the letter states that even if I pay the lump sum of nearly {$700.00}, my mortgage will still go up about {$70.00} a month and if I do nothing over {$100.00} increase! So I called for an explanation. First I was told that the shortage was caused by tax and insurance increases. I challenged that and the story changed. I have been told that the real reason is that at closing I paid for my flood insurance up front as I was directed to do. Wells Fargo was to escrow for the following year over XX/XX/XXXX and did n't. This is again a bank error and I should n't have to pay for it with a substantial monthly rate increase. I have again complained and have had communication with Wells Fargo 's corporate office. This process has been going on for some time and XXXX of deadlines for resolution have been extended. The last XXXX was XX/XX/XXXX. Got the the call. New date XX/XX/XXXX. It did n't take long to make these mistakes. I have been with this bank for 20 years and deserve better. Please 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 2023-09-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my Macy 's and Home Depot accounts in retaliation for my request for a discharge on the Sears Mastercard. Both accounts were in good standing and the Home Depot account had a XXXX balance. Citi discriminated and retaliated for a prior complaint I filed with the CPFB in reference to their illegal refusal to remove a late fee from the Sears Mastercard and their default in dishonor for refusing to discharge or mutually offset the balance on the Sears Mastercard. ( The complaint was filed on or about XX/XX/23 and the accounts were conveniently closed on or about XX/XX/23 ) Citibank claimed they perform routine credit checks with XXXX, however I never gave them permission to check my credit. In addition the routine check was purposely done earlier than what it should have been. These checks are usually done every six months. In these cases, they did the routine check right after I filed a complaint for calling them out for their refusal to do a discharge or mutual offset on the Sears Mastercard. Citibank never provided a notice of dishonor from the US Treasury or any federal laws that refute the request for a discharge.

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 2023-04-28
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me all day making their area code to match that of my area code when I ask them to remove my number off their list they hang up immediately they call me all day and it is harrasment considering I asked them to stop. They call from numerous different numbers but all with a XXXX area code

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX  formerly Transferwise offers a multi-currency account as part of their services. 
After transfering funds from my wells fargo account to my multicurrency wise account they deactivated my account. I have no access to the account and they are holding my money without any explanation. No refund yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-08-16
Company: EQUIFAX, 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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX 3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.

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