BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Tuesday XX/XX/, I had about 19 outstanding odds pre approvals for loans, about 7-9 of them were from onemainfinacial for up to XXXX. I applied for the loan due to outstanding odds and excellent pre-approval rates. When I applied, i immediately got an inquiry on XXXX, yet the rep told me they can't process my application " due to a county wide flood watch " " in my county New York, due to the hurricane, one main was not allowed to process loans in my area " I live in XXXX with credit score well over 700. I called back and asked how was that possible when I was referred to apply for a loan from a family member in area, they said send a tax return and said they can't approve it due to tax return. I told them that I along with millions of other Americans had minimal work during the Pandemic ( I still worked briefly and paid taxes which reflects on my return ) and they said that doesn't matter and it's understandable for me to complete the application ( I got a inquiry and was basically denied and discriminated against before my application fully processed ) .after denial I'm still at excellent approval odds for a loan double the amount. Clear lies, deception and unfair lending practices. I'm taking this level of discriminating and unfair lending practices to court to seek monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CITIBANK, N.A.
State: VA
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:
Hi, This is a complaint against Citi Bank credit cards. On XX/XX/XXXX  I placed an order on XXXXcom for a device in the amount of {$220.00}. At the end of XXXX I asked the company for a refund, because the product had not been shipped. The customer service representative agreed to refund, but no refund was ever issued. So I contacted the credit card company and disputed the charge. They " investigated '' for about two months and a week ago they sent a letter saying that they will not refund me the money. So now, three months after the purchase date, I have no product and no refund. According to Citi Bank there is nothing I can do. I believe Citi Bank is violating the Fair Credit Billing Act. They don't provide consumers any protection against merchants who take their money and don't ship the products. 
Please let me know if there is anything you can do. I have attached the order invoice, and the letter from Citibank saying they will not reverse the charge. I have also attached the communication I had with the company asking them to cancel order and issue a refund. I have sent them several emails since XXXX, but there was no reply thus far. 

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 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I had unauthorized debits made when my card was stolen I made a police report and talked to capital one 360 and they gave me XXXX dollars for a pay they didn't even make the payment but debit me and they got my balance at - {$620.00} on my personal account and now they never gave the XXXX $ back to my joint account witch is for me and my wife please help me out! I just would like my money back I been loyal to capital one 360 for 2 years straight I'm very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Regional Acceptances is harassing me on my job about my past due loan. My son died in XXXX, I was out of work for several months due to this and the same for his dad and older brother. 

My older son lost his job, he is working again now. My husband lost his job, working two part time jobs. I just paid 2 payments. 

I have asked them on multiple occasions to NOT call my work number and they just did today at XXXX on XX/XX/XXXX. At my work # XXXX. XXXX with Regional Acceptance has my cell #, they have my email address and admitted to calling me everyday and emailing me. They also made me agree to allow them to do the automatic calls to my cell #. I am tired of the harrassment, especially at work. They just ignored my prior requests to NOT contact me at work on the job. 

Thank you, 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 2021-10-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
PENFED Credit Union Keeps Telling me I need to send them the title in there name Colorado is an ELT state and took the tile. I am not able to get the ELT as State said that is PenFeds Job now they raised my interest to 14 % and now I can not afford the car payment Should I Sue Them ..... I have called them many times in the last week and been told ok yep that is what we need and every time i call back it is not.. I have gone to XXXX and Called they did there job now PenFed Needs to due theirs is what i am being told..

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 2020-04-29
Company: Experian Information Solutions Inc.
State: FL
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:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : XXXX file Number : XXXX XXXX  CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX  Acoount number XXXX XXXX, XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please 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 2021-07-09
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had collections with XXXX XXXX, which they hire Peter and roberts associates to come after payments, I paid all accounts that was on my credit. They had told me once I paid these debts will be removing from my credit report, so far everything I paid is till on my credit report, its hurting my credit to the core, my credit is not going up until these collections have been remove, Im stuck and cant move forward. I need to purchase a home and because of these collections not being remove on my credit report is causing me to wait for the collections to be remove till I can buy the house. 

Please I need help, I wrote them letters to remove these collection that I paid and they still not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized online transactions were executed on my Chase Bank savings and checking account on XX/XX/21. Reported to Chase on XX/XX/21. I was told that new checking account was opened few days ago using my information that I wasnt aware of, and that money from my savings and checking is being transferred to the new illegal account. Chase bank rep promised that they will freeze all activities from fraudulent account to protect my money. It didnt happen few days after I lost XXXX $ from my savings and checking account. I was told by claim department that I have to wait until they run all the investigations. It has been 2 months and still in the dark no explanation from Chase what happened with my money. Identity theft was reported to the police department. I feel neglected, uninformed and unprotected by Chase bank in a such sensitive matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent in a letter to correct my personal information on file. sent all proof they need please up it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Personal information incorrect

Complaint:
My personal information section is incorrect.I would like my information updated because it is wrong 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 explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX Report Number : Transunion file Number : XXXX XXXX CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXXXX XXXX XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please 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 2020-04-27
Company: LEXISNEXIS
State: OH
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 had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$3900.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$500.00} -This is not my account. 


-- XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: XOOM CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Between XXXX and XXXX of this year I sent myself several transactions to the XXXX XXXX worth more than {$4500.00} dollars, to pay for the treatment of my health problems affected by XXXX, the money transfer company in the USA, XOOM .COM always sent me notifications of available money, but his partner in the XXXX XXXX never gave me the money, under the allegation of confirmation of funds, this after seeing my documentation and the notifications of available money that I received from XXXX, The question is that they always marked the transfer as delivered, but I never received a single dollar, They XXXX took more than {$4500.00} dollars from my account in the USA without having a receipt that confirmed the delivery of the money in the XXXX XXXX, product of This when I return to the USA I opened a claim for this case, XXXX denied my claim without comparing the signatures on my documents and the signatures on the supposed receipts that his partner in the XXXX XXXX XXXX. XXXX, the question is that the signatures are not the same, not even similar, I made a second claim and it was also denied. I spoke with my bank in the USA and they managed to return about XXXX XXXX dollars to my account, but that is a process that can be reversed if XOOM.COM refuses to present evidence of the case. Now at this moment Xoom.com is charging me my own money and they threaten to damage my credit, I think this is unfair, because they denied me my own money to pay my health expenses and now they are charging me for money that I never received. Sorry if I made any spelling mistakes, it's that I don't speak or write much English.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ENCORE CAPITAL GROUP 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:
Midland Credit Management has placed a collection on my XXXX & XXXX that I have no knowledge of. I have not recieved any validation or correspondence from Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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:
Filed complaint XX/XX/20 XXXX Experian Credit Bureau. Received response along with credit report dated as ( Report # XXXX for XX/XX/20 ). It states I made a statement that is FALSE & FRAUDULENT on " Active Military Duty ''. I have never been in any branch of the military and definitely would not have told this lie. When I talked to someone who identified themselves as " XXXX 's '' ( Experian ) this issue was notified as been fraudulent and I wanted it removed from my report. I was not aware of this until my Banker was reviewing for financial matter. I could not Believe this was listed on my report. This was in XXXX, if not mistaken. Now here it is on my report XX/XX/20. 

To further concern in all of this corruption and fraud, FBI should contact me since these activities initiated from Local Law Enforcement and other locals to " Bring me down anyway they could '' and recruited residents, convicts, thugs, XXXX defendants ... line goes on. I've made reports of all including been threatened, harassment, vandalism, damage to home and me. This was revenge, invasions, privacy in my home and I can include much more. Then they stated I was XXXX XXXX  after their continuous lies were falling back. This lie have spread for last six years after I was able to identify actions of illegal activity. 

I want that fraudulent statement REMOVED from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXL XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date XXXX inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

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