BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
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: Investigation took more than 30 days

Complaint:
I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The voicemail was left on Tuesday XX/XX/2022 at XXXX eastern standard time by portfolio recovery. This voicemail was left on my family member 's phone number stating that this is a call from a debt collector for XXXX XXXX. They are not allowed to disclose that they are debt collectors prior to speaking with me directly and confirming that I am in fact who I say. Not on a voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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 disputed in XXXX i disputed unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account that is marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We currently have a mortgage with Cardinal Financial Company , Limited Partnership. We purchased our home XX/XX/XXXX. Our initial mortgage payment was {$2300.00}. We filed our homestead for the property taxes in XX/XX/XXXX which was {$2100.00}. The company analyzed our escrow account in XX/XX/XXXX stating it was short due to the property taxes going to be {$2900.00}. The amount was {$2900.00} but when we filed homestead it came down to the {$2100.00}. We forwarded the necessary paperwork to the company showing that the payment was {$2100.00}. They confirmed that they received it ; however they stated that the paperwork wasn't sufficient enough. They took our mortgage payment up to {$2400.00} and we started that payment in XX/XX/XXXX. We continued to make our payments. In XX/XX/XXXX they paid the {$2100.00} for our property taxes instead of the {$2900.00}. But in XX/XX/XXXX they analyzed the escrow again by anticipating that the property taxes would be {$2900.00} for the XXXX year. We contacted them on today XXXX XXXX and was told we have to submit the homestead paperwork every year. In the State of MS , you only have to file homestead once. They are over charging our escrow account and owe us a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I was about to book a flight with XXXX XXXX and I noticed they had a promotion for a credit card with Citi. Part of this promotion was that I'd receive a {$200.00} credit after booking the flight via this new credit card. The messaging for this credit card application also mentioned that I'd be given a temporary account number with a credit limit to use in the flight I wanted to purchase. The exact phrase in the application was " If approved today, you will get an account number and temporary minimum credit limit to use on XXXX immediately '' I applied and was instantly approved, however I never received the temporary account number to purchase my flight with the new credit card. I called several support lines at Citi, and all they could tell me was " they will no longer give account numbers, even temporary, over the phone '' and told me to wait 7-10 days for the physical card. I applied for the card with the understanding that once approved, I'd be able to use it immediately, yet this did not happen, so Citi XXXX XXXX XXXX effectively ran a bait and switch to get me to get their credit card. Support offered no other recourse, and would not send a temporary account number via text or email, either. I had to proceed to purchase the flights with a different method.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-07-11
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed $ {$2300.00} as of XX/XX/XXXX XXXX took phone for trade in and never credited my account. They never contacted me regarding this outstanding balance. I went to open a new account and was denied. 
Credence Collection Agency currently is the collection agency that never should have had any collection at all. This company is reporting on my credit report that I owe {$2300.00} for a phone that was returned to XXXX XXXX XXXX in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This afternoon at XXXX, I received a call from a phone number ( XXXX ). After I hung up, they called several times back to back. When I finally asked what they wanted, a woman responded that she needed to know where I was at so she can file papers to me, as I had a court order. I was stunned! I didn't know what I could have done for me to have a order against me. 

I was then told that I needed to call the number XXXX, and that my case number is XXXX. When I called, a man told me that he was from XXXX XXXX or something of that nature ( he went so fast I couldn't get the actual name, hence the phone numbers ), and he told me that I was going to be charged for fraud, and that I needed to either negotiate something with them or fight it in court. Obviously I was frustrated, and scared, so I said that I would take care of it with them. 

At first, my debt was around {$840.00} dollars, but then they said since I didn't get any paperwork it would be around {$660.00}. I told them I would do half on the XXXX of this month and the other half on the XXXX of next month. The process was weird ; first off I was misgendered SEVERAL times. I told the other individual that I was a woman and he kept referring to me as " sir '' even AFTER they recorded, which they said they needed to record since that was something they had to do. 

After I gave them my debit card information, and the conversation was done, I did a little research and I found out what they did was against the law! Not only that, but I also gave them my card number which is the main thing I'm worried about, as I am concerned this might be a product of fraud. 

I want them to delete all of my information, not process my card, and if I can get the same amount that they are pursuing, which they threatened to charge me with fraud, I would appreciate it. 

I am filing a complaint to my bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Addresses on my report where I never lived and accounts I never opened.

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 2023-09-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called Credit Acceptance and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX XXXX. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both Credit Acceptance and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that Credit Acceptance was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-11-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX XXXX Visa credit card. When I attempted to use it for a purchase on XXXX XXXX 's website, my card was declined ( my account is not past due and there are no issues with my credit limit ). I then logged into my XXXX XXXX   credit card account online. It prompted me to activate a new card. While I have not received a new card in the mail, I thought I needed to input the information of the current card in my possession. I did this, and it said my card was activated. 
However, the card in my possession would still not work for the purchase. I called the XXXX XXXX credit card customer service. They stated that there had been a security breach in XXXX and that I had been sent a new card and the card in my possession had been deactivated. BUT, I did not receive a new card in the mail. 
This is AT LEAST the second time XXXX XXXX  has claimed to have sent me a new card in the mail, but no card was actually received. 
Additionally, while XXXX claims to have deactivated my OLD card due to a breach and sent me a NEW card in XXXX, I was able to make purchases on my OLD card in XXXX. 
The three primary issues now are : ( 1 ) whether my new card was lost in the mail or never sent, the NEW card ( not in my possession ) is now ( according to XXXX  ) activated because I input my OLD card information when prompted by their website to activate a card. It is a security breach for the system to allow me to input my OLD card information to activate my NEW card that was never actually received. Had I not called them, the NEW card I never received could have remained activated for a third party to use ; ( 2 ) if there truly was a security breach in XXXX requiring a new card, why was I still able to use my OLD card through at least the end of XXXX? 
( 3 ) because XXXX deactivated my card without my knowledge and I never received the new card they supposedly sent ( again, this has happened before ), I am unable to use my card for XXXX XXXX promotions and discounts ( the promotions and discounts require the use of a XXXX card ). The whole point of having this card is to get these discounts and promotions. By the time I receive a new card, the promotion will be over and the products could be sold out by the time there is another promotion. Again, this is a repeated issue with 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 2022-07-27
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an email almost a month ago from venmo that my account was frozen.They asked me to send proof of identity via drivers license. I did that, proof of bank account, I did that. Meanwhile it takes weeks for anyone to respond to my emails or documentation. I only have {$68.00} in the account but I had intended to set up a direct deposit for monthly deposits of hundreds of dollars. Thankfully I never did. Now I can't get anyone to tell me why the account is frozen, unfreeze it or close it. Just last week I sent another bank statement and now they can't read it. I am done. 

I just want the account closed and the {$68.00} refunded to me. I am tired of the games.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My boyfriend and I were scammed out of a dog, I send XXXX from my XXXX  account and he send XXXX from his account. I tried to get my XXXX back through XXXX, filed a police report and reported it as scam and fraud and XXXX still refused to give me my money back.

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 2020-08-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/NewRez and Shellpoint without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX  XXXX XXXX : {$2800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-03-31
Company: Credit Corp Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company called my mother and told her that I was going to go to jail if I did not get in touch with Credit Corp Solutions. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I have filed several on line disputes with Transunion, XXXX and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.

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