BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2023-09-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I walked in to Citi Bank the XXXX Branch to do a wire transfer Im buying a house and needed to wire the money to escrow a white male asked me if I needed help I told him I wanted to do a wire transfer, so he sat down on his desk and he said our wire system is down and he was going from one place to another and refused to help me and he said call customer service they will help you and I asked him whats the number he said look at your card its on the back, complete discrimination, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive dealt with so many Banks and Banker but never felt so disrespected in my life and distressed because I had a dead line and he didnt help me.

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 2022-02-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were in COVID Forbearance for XXXX. We came out of it in XXXX. Our payment before the forbearance was {$1400.00}, after the forbearance we did a modification to {$1500.00}. We paid that amount for 2 months. We went to pay XX/XX/XXXX mortgage and it had {$1700.00} due. We have received no notice that it was being raised another {$200.00} dollars. Upon calling Loancare we were told that there was a shortage in the escrow. They informed us that they had paid the escrow based of XXXX. I informed them if that was so there should of been an overage authentication taxes and insurance was lowered. We made $ 20k less in XXXX and can not afford an extra {$200.00} along with our other obligations. This is not helping this is harming us.

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 2018-06-12
Company: Experian Information Solutions Inc.
State: MO
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 following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.

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 2023-01-28
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX : XXXX XXXX date : XX/XX/XXXX To whom it XXXX concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, XXXX XXXX negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and TransUnion ) XXXX shall be sent to me immediately. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Fraudulent Inquiries XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: KY
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 XXXX XXXX  XXXX, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-09-15
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name Your report says XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX Midland Credit Management I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX owe $ XXXX off XX/XX/XXXX Dept of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I owe $ XXXX off XX/XX/XXXX There is also an unemployment claim taken out in my name in XX/XX/XXXX. I have been consistently working at my job since XX/XX/XXXX 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX, capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CashRepublic Holdings, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
A check was sent to me but to my parents house in XXXX XXXX it was dated for XXXX XXXX. My Parents are retired military and do a lot of traveling so by the time I got the check it was voided the amount was XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Student Loans were discharged under the XXXX XXXX XXXX XXXX XXXX program as of XXXX XXXX. XXXX, which is the company that manages the loan and discharge has already discharged all loans adding top to {$79000.00}. Aidvantage has not cleared the discharge as paid as agreed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that was sold to XXXX XXXX. The balance has not change since they got the loan. I have sent them copies of the Promissory note and copies of the statement how the loan was process at XXXX XXXX. I have called several time requesting a reason why the balance never change and was told it is under Investigation. on XX/XX/XXXX I call and was told the loan had not been paid in over a year and that they we going to start refusing payment because the loan was past due. on XX/XX/XXXX I spoke XXXX from Selene I made a payment and told her of my concerns and explain to her that I have a XXXX XXXX and that this was getting very stressfull. She went over the file and stated that she could see the payment and did not understand why the account is showing late. The amount of the loan is {$3300.00} since XX/XX/XXXX I have been sending XXXX monthly.I have my statement showing the payment from XX/XX/XXXX to current. History showing the org. loan was not a interest only loan and the payment history before the loan was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX after making three ( 3 ) identity theft reports with the Federal Trade Commission, I was directed to Equifax located in XXXX XXXX. at XXXX XXXX XXXX XXXX. I Stated the reason and circumstances for my call. I.e. Identity theft. I took photos of my License, Social Security Card and selfie, then denied the credit report I was, under the Fair Credit Act of 1970, entitled to. Their word, not mine. And handed a list of hoops of fire needed to jump through before I could obtain what should have already been in my possession. Yes I am XXXX and feel once again violated and ridiculed. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2022 I ordered a special order kitchen from XXXX XXXX. I called CitiBank XXXX XXXX XXXX for a credit increase to cover the kitchen. Kitchen price {$29000.00} so available credit was XXXX. 

XX/XX/2022 I received a bill. I was surprised because I am being made to pay when I will not get a kitchen install un til at least XXXX but I made the payment of {$290.00} on XXXX. The promotion was to be pay balance within 24 months to get differed interest and it was not. The premotion was incorrect at 6 months. 
XXXX XXXX XXXX Citibank agreed that it was input wrong and said it would be correct next bill. 

XX/XX/2022 I received my next bill. To my surprise CitiBank charged me for a whole other kitchen. Same dates of charge but 2 kitchens. The original purchase with my payment deducted AND a whole other charge of {$29000.00}. This other charge is for 24 month promotion. This has inflated my payment from {$290.00} to {$580.00} and have overdrawn my account to {$58000.00} I caled CitiBank and talk to XXXX and XXXX who try to tell me it is XXXX XXXX fault and they need to fix it. I call XXXX XXXX at XXXX XXXX manager for XXXX XXXX XXXX. XXXX XXXX didnt do it. 

On XXXX I finally get CitiBank to admit it was their fault and it would get fixed. 
On XXXX I make my payment for the kitchen I purchased, {$290.00} - I did not pay the {$580.00} because I did not order 2 kitchens and I still dont even have 1. Citibank was to remove the charges they put on my account and should have corrected the over minimum. 
If you didnt order the item you should not have to pay for it. 

I received my next statement There was a late payment of {$29.00} and a past due amount for {$290.00}. Both of these charges are on something I didnt order that CitiBank billed me for fraudulently. 

I have called every 3 days since. I have been told it will be taken care of. I have been told I will get a call back. 
I have been hung up on. 
I have been called for " collection of a debit '' and told I will be sent to collections. 
Citibank did manage to remove the {$29.00} fee BUT Im sure it will be back next statement. 

XXXX I made my payment of {$280.00}. 
I called XXXX at XXXX Citibank and was told, citibank will not remove this and that i just need to pay it and that this WILL affect my credit rating if i dont. 

I have a call into XXXX Installs to cancel the kitchen. I still dont have a kitchen and have been paying. CitiBank has made this whole process a nightmare.

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 2023-02-06
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had ordered from a company called XXXX feet. I had XXXX transactions that equal {$180.00}! It takes a while for us to get the product so we had to wait a couple months. The owner of the company stopped sending refunds for the product and did not give us the merchandise! She has flat said she will make sure we dont! I have sent emails to Arvest bank of me not getting a refund or product and whats going on and they will not give me my money back because they said its passed 120 days old! I waited because she said thats when the product would be in and it never came! She scammed people out of thousands of dollars! XXXX should be getting 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 2022-06-17
Company: Genesis FS Card Services, Inc.
State: GA
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 this credit institution or bank has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: ACIMA CREDIT, LLC
State: NC
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: Problem with personal statement of dispute

Complaint:
I submitted a complaint in reference to Acima kept reporting my account as 30 days late. For over 4 months, after I was told they would not report my late payments because I had loss my job because of XXXX a natural disaster. They responded that I declined a deferred arrangements with them on XXXX XXXX which is not true. I am requesting a copy of that phone call where I said I did not want to keep my credit straight by doing this. If I would have done this then I would not be in the situation I would not keep filing complaints against them. I had a 24month lease which I paid off within 7 months. They also said that it is only on XXXX well it do not matter weather they do one Credit Bureau or ALL 3 it is still harmful to my XXXX account. Late payments does matter and it show a person is not paying their bills. I didn't pay the bill, my fault that we had a natural disaster and I loss my job and had to file for unemployment and once I received it I paid the account off. I WANT THE PHONE CALL, SINCE THEY RESPONDED THAT THEY LISTEN TO THE CALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2107 Mr. Cooper conducted an escrow analysis and stated that I had a surplus of about {$3500.00} and would not dispense the surplus because the account was under a disaster forebearence. Six months later, the conducted another analysis and claimed that I was short and sent a check in the amount of {$2300.00}. They applied the check to the principal instead of the escrow. I have called mutiple times to resolved the issues and they have not resolved. They are now saying they will reverse the {$2300.00} to the escrow account. However, they escrow surplus was applied, yet they are not desmonstrate where the {$3500.00} was applied, either to the principal or the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
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 

Dear Sit/Madam I am a XXXX XXXX  resident in XXXX and XXXX with XXXX dependent son. My state pension was stopped on XX/XX/XXXX, and the XXXX refuses to come up with a solution to rectify the problem. Yes. I do understand their argument that they used Citibank for their transaction services, and that Citibank now refuse to service cash transactions to XXXX, including those to XXXX XXXX residents. 

Please understand the seriousness of this situation, as I am sure the intent of sanctions is not to starve ordinary common people from surviving with an income. Also, please understand that as a resident I signed an agreement I will not be in debt and will pay taxes to the XXXX  government, I can no longer do that, with the serious problem of where the next loaf of bread will come from. When I get deported, can I bring my wife and son? not that I want to. I would sooner stay here and receive this. 

There is a solution, I do have a bank that is not sanctioned and will accept international cash transactions in XXXX XXXX and dollar, ( I have those separate account numbers ) and that is XXXXXXXX XXXX  ( XXXX ) registered in XXXX. I have informed the XXXX XXXX, but they are ignoring this solution to directly pay My pension to XXXX XXXX. 

Could I work? Yes, and my wife and I did as freelancers. But unfortunately the agency contacts we had cant pay, due to sanctions. We are owed money but dont know if and when we will be paid. The work we did depended on payments from international customers, so freelance agents are also suffering due to sanctions. I have contacted the XXXX XXXX in XXXX, and the XXXX XXXX XXXXXXXX and they were no help at all. 

Please understand the seriousness of this situation, nobody can survive without income and the banking ability to receive cash. 
Your faithfully XXXX XXXX XXXX Contacts The XXXX  Service 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

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