BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There have been numerous amount of contact with Transunion regarding reporting the fraudulent accounts reporting on my Transunion credit report some accounts were deleted in my favor by submitting all necessary documents such as my FTC reports, Identity theft affidavit, previous CFPB reports, verifiable electric utility bills at the time any fraud account was opened to validate my ACCURATE address which is not the address the fraudulent accounts are reporting from a residence that was previously obtained and havent accurately be reported by me since the first month of XXXX  at the age of XXXX and current electric utility statement to verify my current address, screenshot of MISSOURI PUBLIC RECORDS FOR CASES that connects me to my previous address not the address attached to the fraud accounts which will also verifies my accurate address at the time the fraud accounts were opened, and SSN CARD/ STATE ID ( all documents will be attached to my CFPB report. Transunion has been delegating my file number ( XXXX ) fraud disputes between 2 main internal departments Consumer Relations and special handling department. My most recent reinvestigation included XXXX whom is notoriously known for having consumer lawsuits brung against them for inaccurate reporting, resulted in the fraudulent account being DELETED in my favor but its collection account still remains and within my efforts to gain clarity as to why the collection account remains after the original creditor account had been deleted due to fraud after the special handling department claimed that the XXXX  account still remained on my transunion report while Transunions consumer relations department confirmed otherwise that the XXXX  account was indeed deleted amongst other fraud accounts I also can confirm my transunion credit profile being obtained through XXXX XXXXXXXX XXXX XXXX, XXXX XXXX that also confirmed the fraud account was indeed DELETED!!! Transunion special handling department has given me a VERY HARD-TIME SEEKING CLARITY on why two separate internal departments are claiming conflicting information which also clearly proves the investigation process by Transunion is not properly being handled blocking these fraud accounts!!! Every phone call should have been notated by each department to validate my current claims and any communication with Transunion during this STRESSFUL PROCESS AS A FRAUD VICTIM. This will be my last attempt to resolve this without bringing these issues to a court of law with INTENT TO SUE violating my consumer rights.

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 2023-03-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. XXXX is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

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 2021-11-04
Company: Nelnet, Inc.
State: MN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NELNET LNS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} XXXX NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This complaint is about the Bluebird by American Express prepaid card. I am not the only one experiencing this issue. Today I was scheduled to have my paycheck direct deposited onto my card as I have done for months, however the card website, smartphone app, and phone hotline are all down. I am unable to see my balance, use my card or even check to see if I received my direct deposit. This has been going on for hours, with no explanation from American Express. I have gone to their social media pages, mostly XXXX  to ask about the issue and I have seen countless others experiencing the same issues - no access to funds, no login capability and generally no explanation or customer service. Customer service representatives do not know what is going on, what the time frame is to have the issue resolved, and have been extremely rude (even hanging up on callers). It is detrimental to my life and finances to be unable to access my funds, and I have no idea when and if I will be able to. It is 5 days before XXXX, I am a single mother living paycheck to paycheck and I am absolutely livid at this situation. I would like to at least have an explanation but the company only posts that they are "working to resolve the issue, and that we can use our cards in the meantime" - which is not true. No one is able to make any purchases or withdraw any funds from their cards. This is absolutely unacceptable. I am immensely stressed out about this, not knowing where my money is, not knowing when I'll be able to use it. I feel like something needs to be done, the company should not be able to do this to people with no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11
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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused.

I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX  Account # XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

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 2022-08-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I moved in a XXXX XXXX XX/XX/XXXX I fulfilled my lease and and stay for about XXXX years so it was getting close to time for me to renew my lease but I informed my office that I had feel very ill due to XXXX and I will not be renewing my lease so, so in about XXXX or so of XXXX when my lease was coming to a end my now fianc had us a house and so I started moving but stuff from my unit slowly because I did not have to be out of the unit so XXXX day i arrived home and my carpet was tore up with XXXX in my sink no call or letter from office as to why my unit was accessed so when i finally spoke with XXXX she stated oh there was leak and mantaince had to come in so i inofrmed her i am ok with them coming in but as far as place trash in my kitchen sink that is nasty and why would they leave it there so she apologized XXXX times nobody still never removed the carpet and trash out so i at this point am just ready to move so i continued slowly moving my things i also continued paying my portion of rent and housing paying the remainder so i emailed XXXX and asked her how much was last month of rent and she stated prorated is XXXX so i paid my XXXX month turned my keys took pics and did my walk thru now here it is XXXX years letter and i get a bill from XXXX XXXX XXXX XXXX stating i owe and balance of XXXX i reached out to creditor who by the way was very rude so and i also tried talking with nanacy but at this point im livid bc why do i have a balance if i am on housing and have emails that stated my move out was perfect i owe no balance and nobody can tell me why and this is now affecting my life and i need this corected immediately because i do not play about my credit and its damaging my life at this point especially when no one can give me a dirrect answer also might i add i also emailed the coporate office over the apts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/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 2019-12-20
Company: LCO Financial Services, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Original Loan was {$870.00}. I was told that if paybacks were made on time that total cost of loan would be {$1200.00} ( Im approximating ). 

I have paid {$110.00} on schedule every week totaling XXXX I though I was almost done. I call in and they say I still owe another XXXX if paid by XX/XX/XXXX. 

I do not understand the legality of a {$870.00} loan turning to a {$2000.00} loan when all payments are being made on time. This is not what I was told with the online approval.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Yes this company could not provide verification of debt. They have me settled for deletion and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of inaccuracies that were claimed verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: STERLING JEWELERS, INC.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019- I was at Kay Jewelers inside of XXXX XXXX XXXX in XXXX XXXX , Kansas . When I was in the store we were shopping for products. The sales lady was trying her best to get us to purchase a ring. When we were seated at the counter she asked started talking about their store credit card. As she was talking to us she suggested we see how much credit we might be able to get. After asking a bunch of questions she stated that since it was a 1 day only event that if we wanted to keep the ring we had chosen that we could just buy it to hold it and then if we didn't it then we could return it. At this point I stated that I was still unsure about the pricing {$3000.00}. She then told me that it wouldn't be an issue since she had already opened a card in my name. At no point had I ever seen any credit disclosures, or signed anything that said it was okay to open a card. All of the information she was asking for had been typed in on a screen that I was never shown and never got to sign. Then they put the ring on our account to hold it, which resulted in my account being charged the full amount of {$3000.00}, but never asked me which of their financing options that I would like to use. As a result they charged me interest, {$5.00}, on an item that I went back and cancelled the order a couple of days ( XX/XX/2019 ) later because of the way they had acted. I was unaware of the interest charge until XX/XX/2019 and they also charged me a late fee, another {$5.00} because I had not paid the interest charge on something that I had thought to be cancelled.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: American First Finance, Inc.
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check made out to the XXXX XXXX. I am XXXX XXXX and do business as the XXXX XXXX. I endorsed the check as XXXX XXXX XXXX the XXXX XXXX. I made the deposit into my checking account that I've had with bok for 30 years. The check was presented and paid by the issuing bank. But bok refuses to give me the money. In Oklahoma you do not have to file as a dba with the state. They refuse to give back to the bank that paid them. They have said they will just keep the {$4500.00} if I can't prove that I operate as the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I filed a complaint on XXXX/XXXX/XXXX and have progressed up to the following steps. 1, I have been given complaint number XXXX - XXXX. 2. My complaint had been received by CFPB and CITIBANK N.A. XXXX. 3. CITIBANK had submitted their response to CFPB and me 4. I have completed draft of my Feedback for The Company 's Response. However when I was sending it using the field in CFPB form, i.e. before I copy paste my draft all of a sudden the system was closed and so my complaint was closed. 

Iam now requesting a repeat for me to submit my Feedback for the same complaint I filed in 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 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
In accordance with the fair credit reporting act, the creditor Capital One has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B : A creditor my 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