BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
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: Personal information incorrect

Complaint:
Asked XXXX  to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX XXXX nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX and XXXX XXXX XXXX XXXX NC 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 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

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 2018-02-10
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: Information belongs to someone else

Complaint:
IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.

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 2020-09-07
Company: Southern Auto Finance Co
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Though I didn't receive right to dispute notice they have also just recently started " flagging '' my account for charged off as bad debt! 

This has been a right off for nearly 2 yrs. And as soon as my scores started to climb they " flag '' it, when it's already been disclosed as a charge/write off now it's affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking and savings account as part of a mailed promotion flyer. Terms were met and {$400.00} was earned for checking. Terms were met for the savings promotion ( open account and deposit {$10000.00} through XXXX XXXX ), but {$200.00} promotion never provided by bank. Multiple calls to bank branch and spoke with manager. Branch first stated that my savings account was closed when I transferred out the money and that is why they couldn't award the {$200.00}. Branch said that on their end, they saw the account was closed. However, my savings account is in good standing and open and I was able to transfer money to it. Manager agreed and was following up with the district manager/marketing department, but have not received any call back for over a week.

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 2020-09-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
SUMMARY : I placed two orders, two days apart on XX/XX/XXXX and XXXX, 2020 respectively. 
I NEVER received these two shipments. These shipments presumably came during the state Covid pandemic shutdown by Gov. XXXX. I usually placed 3-4 orders per month from XXXX XXXX. ( Very few shipments came whole. Lots on back order. Hard to keep track. Cards would come in the mail stating back order dates had new back order dates. Some merchandise was cancelled to me, but, still sold through their catalog. 

TIMELINE : I got my monthly statement from XXXX XXXX  on XX/XX/2020. I noticed two charges in the amounts of {$170.00} and {$120.00} for which I have no merchandise to show for these charges. These total {$290.00} On XX/XX/2020 I called Comenity Bank who handles XXXX XXXX  charges. They forwarded me to customer service reps, dispute resolution supervisors a total of at least 6-7 people over 4.5 hours on this date alone. The amount of hang ups, wait time on hold, etc was insanity. The last person who spoke to me said everything now is a final sale and I must pay whether I got the merchandise or not. 

On XXXX through XX/XX/2020, I called Mr. XXXX XXXX, CEO of XXXX XXXX XXXX which XXXX XXXX is part of. I never received a phone call, voicemail, email from anyone from XXXX XXXX or XXXX XXXX. My last message stated that if I didnt hear from someone that I would contact anyone who would listen about how they conduct business. Still, no call. 

CONTACTS : XXXX XXXX XXXX Comenity Bank XXXX Mr. XXXX XXXX, CEO of XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) XXXX ====================== IN ADDITION : When I received my XX/XX/2020 statement there were three charges for items I never ordered.The amounts they charged me were : {$91.00} ; {$110.00} and {$83.00} for a total of {$290.00}. 

ALSO : When I went to access my account, on line, they deleted my entire order history with them, going back over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recieved a text from on XX/XX/22 at approximately XXXX XXXX  from PNC bank saying my debit card was place on hold.. I called the number provided. Gave SS number, card number, PIN, security code. 
Then realized i was scammed..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLANIT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion anXXXX XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, on Friday XX/XX/XXXX I accidentally sent {$500.00} to a wrong person through XXXX I accidentally inputed wrong information about the recipient and the money was sent to the wrong person. I tried reaching out to the person I sent the money to but he didn't seem like he was willing to return my money. I also called within 10 minutes of transfer to inform the bank about my situation and submitted an appeal. I really need to get the money back because I'm very short on money right now and it was meant to be used for very important thing. Please help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: SC
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: U.S. BANCORP
State: NV
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:
Yesterday ( XXXX ) via U.S. Mail I sent the CFPB and 2 U.S. Bank locations a copy of what I have uploaded at the time that I am filing this online. The attachment hereto shows an image of a computer disc that contains information referenced in my letter to the CFPB dated XXXX. You are not receiving the cd 's contents via the attached upload but rather should receive it via U.S. Mail. In my attachment I included a copy of the addressed and postage-affixed envelopes that I mailed a copy of what is attached hereto in yesterday to the CFPB and 2 U.S. Bank locations. On this date ( XXXX ), the same XXXX that I referenced in my letter, called me. He stated that they are beyond their timeline with Visa and that there is nothing more that he can do on his end. Since U.S. Bank failed to process my dispute correctly and wasted a lot of time, they are responsible for reimbursing me the {$1000.00}. XXXX stated that I should write the Office of the President at XXXX. XXXX XXXX, XXXX, ND, XXXX and if the president believes the dispute team have made error ( s ), that office can correct it and resolve this matter. I will copy you on what I send to that office and will reference my filing this with the CFPB.

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 2020-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just spoke to Select Portfolio Servicing ( SPS ) 's customer service and they said they will NOT send my monthly statements, even though it is required by law. This is a Criminal Organization, This is the 7th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX Bank via ACH. This company do not send any statement every month. To-date, I have spent {$4500.00} in legal fees. This fraudster Select Portfolio Servicing ( SPS ) is an extremely corrupt company operating like Racketeer Influenced and Corrupt Organizations Act, based on internet inputs from their customers Select Portfolio Servicing ( SPS ) must provide a written statement to the borrower each billing cycle, which is usually monthly. ( 12 C.F.R. 1026.41 ). SPS 's statement must show : the amount currently due, including how much will be applied to principal, interest, and escrow the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information, like the outstanding balance and interest rate contact information for the servicer and housing counselors, and information about delinquencies, if the borrower is behind on payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone using my name getting a lot of credit cards like 7 credit cards with XXXX XXXX and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do

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 2018-09-19
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I was hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control due to delay in my pay. 
In XX/XX/XXXX I spoke with XXXX XXXX, VP, Loan servicing. During this conversation XXXX assured me that when I returned home, got my pay situation handled and got caught up on the mortgage at this time XXXX XXXX XXXX would update the report and change the late reporting to the bureaus as a sign of good faith. Unfortunatley XXXX XXXX is no longer with XXXX XXXX XXXX and I can not get anyone to return my calls. I have made several calls and nothing has been resolved. 
I have been with XXXX XXXX XXXX mortgage for 10 years and have never missed a payment. The only payments that were missed were XX/XX/XXXX and XX/XX/XXXX, however XXXX XXXX XXXX reports 30,60, and 90 day late payments all the way through XX/XX/XXXX. I made full and complete mortgage payments every month expect except for the two months XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: LA
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:
Equifax is refusing to remove fraud accounts from my credit report. Even when I have retained an attorney to assist me in resolving this matter they still will not act. I have sent tons of documents and police reports in support that I have been the victim of ID THEFT and have all the fraud accounts listed. Equifax continues to violate the FCRA. the following items are fraud and need to be removed ASAP. 
1.XXXX XXXX XXXX Account XXXX XXXX  ( acct has been verified as fraud from the original creditor, so how is this still begin reported???? ) 2.XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX   XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX # Account XXXX Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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 have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to 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 2020-10-16
Company: Michael Wayne Investment
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job in XXXX due to the coronavirus and was not able to get unemployment I been filing and calling and appealing my claim but still no money I lost my house and staying with my parents I told this company that and they have a device on the car to stop it with no payment. Do they stop my car I told them that I finally found a temporary job its temp to hire and it starts this Monday XX/XX/XXXX I sent the email and ask please send a signal to my call so I can go sign my paperwork to start they told me Im behind on my note and that they would not be able to send the signal unless I pay XXXX dollars I cried on the phone begging and pleading eith them I told them I didnt have it that my family has helped me since XXXX I can give them XXXX dollars and with my fist check in XXXX I could pay XXXX every two weeks they told me no and the guy XXXX was very rude abs belittling and I ask to speak to the manager XXXX and he told me she was in a meeting and that the information came from her I cried I said please let me talk to her he told me she would call me after the meeting its now XXXX on Friday XX/XX/XXXX I guess shes still in the meeting this is the worst company to get a car from I will never do business with them again I told them to come get the car I have been through too much this year I lost my XXXX to the XXXX  and I lost my XXXX  to XXXX/ the XXXX  I lost my house my job and now my car

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 2018-09-21
Company: CITIBANK, N.A.
State: MA
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:
XXXX late fee. Paid in full on the due date as evidenced by receipt from other credit card company which paid this balance. Have since received another bill, with another late fee on top the late fee originally charged. this additional fee was now for {$26.00}. total bill now {$51.00} consisting of fees. I have spoken to citibank, to no avail. I feel these fees are incorrect and unjust and would like them removed.. My funds are limited, and hoping for your help in resolving this issue. Thank you.

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