BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
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:
XXXX XXXX is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to XXXX in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and XXXX  took advantage of me and my finances. Please delete this account right away!

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 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was contacted by an individual to purchase my vehicle. The person sent a personal check that was held and then released by my financial institution. After this money was released into my account, the funds were then transferred to Capital One to pay off the remainder of the loan. Once the loan was marked as paid off, the bank contacted me that the check was fraudulent and that the transaction would not be honored. If Capital One does not stop the payment, I will be sent to collections for the amount of ~ {$17000.00}. My credit union informed me that they attempted to stop the transaction but were unable to. Capital One informed me it will take 3-5 business days to stop the transaction and re open the account, so I should not be responsible for the fraudulent check.

This is the second time submitting this complaint. Their response was that I should get the payment reversed and to contact the office of the President of Capital One. When I contacted them, they informed me they would do nothing, and that I needed to see if the financial institution I deposited the check into would reverse the payment. They did not respond to my complaint, and did not address the issues at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 3 accounts with this subprime credit card company. 2 are due on the same day. I paid the minimum payment on both cards on XX/XX/XXXX. I received email confirmation of both payments as well. This morning I received an email and several alerts from credit monitoring companies that I missed this payment. When I logged in to the website, I got a screen I never saw before telling me that as long as I paid {$98.00} before my next due date, they wouldnt report me to the credit bureaus for missing a payment. I checked my bank account and neither payment had posted. Money is extremely tight at the moment, so I made an additional payment of {$50.00} and figured I would call to ask them to remove the late fee ( Ive never missed a payment ). When I look at my bank account this afternoon, I discover that both of the payments from XX/XX/XXXX have been withdrawn from my bank account. When I call to cancel the {$50.00} payment, they tell me my account is past due. When I press that it isnt, they admit they see the payment I made on XX/XX/XXXX. I reiterate that I want to cancel the additional {$50.00} payment. They keep me on hold for over 10 minutes, and by the time I speak to XXXX, the manager, its now too late to stop the additional payment. He tells me that I can call my bank and request to stop payment. I ask why I would waste {$45.00} on that?? XXXX also tells me that as long as I make another {$3.00} payment before my due date, I will be paid in full. I ask how I could suddenly owe {$53.00} for a monthly payment when last month it was {$45.00}, but he doesnt have an answer. At this point my login credentials no longer work ( but they worked less than 15 minutes before ), and XXXX offers to take my {$3.00} payment over the phone. I tell him absolutely not. He tells me to go to a different website address to login, which takes me to the same login screen, and my credentials work again. Now I can see my past payments and the pending {$50.00} payment, but I still dont see my {$45.00} payment from XX/XX/XXXX. At the least this is bad business practice, but Im fairly certain this is criminal or borderline criminal. They claim to have had a system error on XX/XX/XXXX and XX/XX/XXXX, but all 3 cards that I have run on the same platform and the other two accounts and other payment had no issues. Shame on me for not checking my email before paying another {$50.00}, but I have been working hard on my credit with the goal of being done with these 36 % interest rates, and I panicked when I got the notification that I had somehow missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: CA
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:
This is my XXXX 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX CXXXX XXXX XXXX XXXX XXXXE FL XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX 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 2022-11-14
Company: EQUIFAX, INC.
State: NJ
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 am requesting that XXXX XXXX XXXX XXXX. remove 1 x 30 day late dated XX/XX/2020 from XXXX, Equifax, XXXX. This payment " late '' due to 2 extenuating circumstances beyond my control & directly attributable to XXXX XXXX XXXX XXXX XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX XXXX  XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX locked & refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for 40+ years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX XXXX XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX XXXX XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX XXXX  XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXXXXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I entered a contract with Solar Mosaic, Llc in the beginning of XX/XX/2022 for purchasing solar panels from an independent contractor. 

After having several disputes with the contractor, I informed Solar Mosaic not to disburse the funds. I informed them twice verbally, once via email and once via two day with tracking mail. I was informed after the second call to not disburse funds that I would need to sign off on the disbursement. 

I later was informed by Solar Mosaic that funds were disbursed anyway. They are now requiring payments on a solar panels not complete and in breach while also refusing to tell us where our funds went. 

I have asked twice in writing via two day mail with tracking for information regarding the funds. When they were disbursed, who they were paid to, How much was paid and to how many contractors. There is conflicting information regarding the installation. I have a long list of complaints regarding the installation and financing. 
They are now refusing to speak to me when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Commonwealth Financial Systems, Inc.
State: CO
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:
Common wealth financial services continues to flag my account... 
They have continued to do this even after XXXX of there accounts was removed from my report ... .I need them to take this XXXX of my report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX & XXXX 2011 XXXX XXXX, XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights XXXX 

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 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/2022. 
XXXX ) For XXXX, XXXX and XXXX of 2022, I entered into a hardship program with XXXX. My payments were interest payments around {$78.00} agreed upon by the XXXX XXXX XXXX. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at XXXX keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, XXXX can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

XXXX ) Once in May 0f 2022, my bank ( XXXX  ) returned my payment, Once I became aware, I made restitution right away. XXXX went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

XXXX ) XXXX blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting

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 2023-10-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Please excuse any typos Im dictating this on my XXXX. Ive got XXXX. XXXX XXXX XXXX XXXX and I cant type very well my XXXX. 
Im about to Im about to purchase about {$10000.00} in new furniture for Macys in the past Ive like doing business with them because they have a good selection, good financing terms, and their sales people are generally very good, my latest experience is much much worse. I cant get a straight answer on promotional terms. I cant get a straight answer on what my credit limit is. Can you get a straight answer on delivery I get emails every day about delivering furniture that was supposed not supposed to be delivered till all of the furniture came in The sales people seem insular to these issues and dont want to solve them blame them on Macys them selves and asked me STS to call customer service which is totally unhelpful. You cant understand most of them. They dont speak English very well. Ive done business in the technology sector for 40 years globally, and I understand accents from just about every country in the world and I cant understand these people are working in the US for Macys in the customer service department there. Totally understandable insular dont care of the customer cant understand them dont provide a solution dont even say oh Ill get somebody else to talk to you they just transfer you another number so you can start all over again with somebody else. He doesnt speak very good English. The whole experience has been very, very frustrating, but my main issue is they are not revealing the terms and making it very difficult to find out what the terms are and they need to hide the word customers like myself. How can I turn down a {$10000.00} purchase when youre practically bankrupt. This company is very broken. Your Board of Directors needs to be revamped and people with real customer service experience put on it. I repeat from my last complaint button where you asked to publish. This does not work properly. I have a new XXXX. I keep pressing the button and nothing happens. Fix this problem. Its your website problem its not XXXX problem. Do you have a Customerservice problem yourself fix 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2022-11-14
Company: EQUIFAX, INC.
State: WI
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 XXXX major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXXXXXX XXXX XXXX  XX/XX/1922 ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) EQUIFAX MORTAGE SERVIXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 
Account name:XXXX  XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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