BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

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 2019-03-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX XXXX Credit Card has been a nightmare to have for the past few years. I have made attempts to lower my debt and pay it off however, they are non-respondent. On XX/XX/XXXX I scheduled automatic payments to be deducted from my checking account. Since they have fooled me before, I took a screen shot of the confirmation AND I also received an email from XXXX confirming my auto payment set-up. Several days later, I learned I had a new late fee added to my total bill. When I looked at my account online, the automatic payment had been deleted. I called the customer service line and after being transferred to 3 representative, I was told that the department that " handles '' my account was closed and that I had to call another day. I called back two days later and was transferred a total of 5 times. First to 3 different XXXX Credit Card Departments, then to Citibank and then to a third party agency, XXXX, who apparently handles the account. I explained to them that late fees are being added to my account unjustly but, they said they have no control of that. They suggested I call XXXX  back. When I explained how I've been transferred many times, they explained that they would send a letter to XXXX  but, there's no guarantee I'll get a response. I have over {$500.00} dollars in late fees from XXXX and NO ONE takes ownership or accountability for the management of the XXXX credit card accounts. 
I initially began calling in XXXX and asking for the insane amount of late fees to be removed but, I have continuously been ignored with no one to speak with regarding the details of 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 monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long

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 2020-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
Inability to log in and trouble making and receiving credit for payments

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 2020-07-29
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act the XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.

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 2023-05-24
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2017-03-22
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Online Collections recently reported a collection account on my credit report. They had already reported this same collection account on my credit report for a period of seven years. However, due to the seven year rule on the Fair Credit Reporting Act, the account simply dropped off my credit report. Recently, Online Collection changed the date of last activity on this account ; I assume so they could put it back on my credit report. But this time, they did not provide a notice of right to dispute before reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
This letter is in regards to my mother, who is a former Capital One credit card holder. She has give me power of attorney so I am authorized me to act on her behalf. 

On XX/XX/XXXX, she called Capital One to pay off her balance and close her account. She was told she had to pay a {$21.00} fee to close the account, and she did so, paying a total of {$1100.00} over the phone. 

She received a transaction statement for the period from XX/XX/XXXX to XX/XX/XXXX, acknowledging that payment and saying that Capital One owed her {$1.00}. Then another statement, for the period from XX/XX/XXXX to XX/XX/XXXX, claimed she owed {$30.00}. The following day, XX/XX/XXXX, I wrote to Capital One, explaining the situation and asking them to close her account and stop billing her. 

A few weeks later, she received another bill. Finally, in mid XXXX, I called Capital One and was told that the first time my mother called, the customer service rep made a mistake and my mother had not been given the amount of interest owed. That interest was continued to grow each month. The customer service rep said that she would erase the interest from the account, and my mother would owe nothing. Last week she received another bill for {$88.00}. 

I called again on today, XX/XX/XXXX. The rep on the phone had all of the information -- knew the entire history about the agreement to waive the interest fees -- and said that the previous rep had not completed the update properly. She assured me that it would now be taken care of and that a XXXX   balance would be reflected on the printed statement my mother receives within one or two billing cycles. Thats the part that makes me nervous because that is what I heard last month. She also said that the waiver of interest would not apply to future purchases or cash advances. However, the account was closed in XXXX, so there will no longer be any more transactionsonce they remove the {$88.00} interest payment from the account. My concern is that Capital One will keep charging interest on the interest it had charged before, in the hopes that my senior citizen mother will just give up and pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14
Company: Oklahoma Student Loan Authority
State: OK
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:
OSLA previously had 3 accounts in my name. All sounds have since be consolidated with another company. OSLA is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency NATIONAL CREDIT SYSTEMS placed a debt that is not mine without my knowledge on my credit report back in XX/XX/2019. I requested proof of this debt to be verified from this collection agency and all 3 credit bureau agencies but no compliance which has decreased my fico score and prevents me from getting a new apartment. They have not followed the law after making 3 attempts to contact. I provided proof that I owe no money. Original creditor is XXXX XXXX XXXX AT XXXX XXXX who I also contacted but they would not resolve. I applied for an apartment with them but was declined and their paperwork stated I would be refunded {$150.00} deposits but I wasn't. Two months latest collection company NATIONAL CREDIT SYSTEMS sends me a notice saying I owe {$270.00} to XXXX XXXX XXXX when the amount to apply which I paid was {$200.00}. So they are trying to commit fraud by not only not refunding my money, but also trying to get more money then destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan is with NAVIENT, I have called several times about my loan and each time they could not offer me an affordable plan so they only offered forebarance of my loans. The interest just kept adding up and now they are almost double. I have called 4 times in an attempt to agree to a payment, each time i call i am given a different amount to pay. The last amount i was given was {$170.00} which was not easy for me but i did not want to continue on this path of not paying. I received several bills for over {$1000.00}. it does not add up. When i call about it they always give me a new number to pay and send a bill for way more than that. Something is not right here and something needs to be done about it. They have also been unable to produce the note to my loan. " it has been coming in the mail '' for quite some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I want to complain about NORDSTROM I received a promotional email from NORDSTROM for a credit card application. Then I log in and apply. The results could not be approved, but I do not complain.

But I still receive credit card offers from the Nordstrom email app every day. I filled in the application again and the result was not approved again. I must complain and complain.

The fact that Nordstrom sent false e-mails to seduce me and cause my credit score to drop led to an additional investigation of my report and a negative impact on me. I was even more skeptical that my personal information was picked up by Nordstrom for other purposes.

XXXX XXXX XX/XX/2018 THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, my wife and I checked our online mortgage account with Mr. Cooper, aka Nationstar Mortgage LLC. We went to our account profile page and were shocked to see that the recipient listed to receive our account information was the attorney for the opposing party in a lawsuit we filed over a construction dispute and lien action ( " Opposing Counsel '' ). The last person in the world who should be receiving our confidential financial information that is a critical aspect of our law suit is Opposing Counsel. This is akin to giving the fox the keys to the Hen House ( ironically, Nationstar had previously locked me out of my own account due to pending legal proceedings ). My wife and I immediately spoke with a Nationstar representative and told her how Nationstar had shared our sensitive information with Opposing Counsel. The representative 's first words were " oh my XXXX. '' That was the appropriate response to Nationstar 's unconscionable breach of our privacy. First thing Monday morning, we contacted our attorney, who informed us Nationstar 's conduct exposed them to potential civil and criminal liability. Our attorney confirmed that Nationstar actually mailed Opposing Counsel our XXXX mortgage statement and he had received it. It gets worse. Nationstar is a named party in a related law suit. They have been working closely with Opposing Counsel against our interests. The fact Nationstar unilaterally changed our recipient information to Opposing Counsel just when critical motions were being heard by the court is no coincidence. Our confidential information was kryptonite to us and the success of our law suit. Nationstar knew this. Their actions are beyond disreputable and merit the most severe civil and criminal sanctions possible. We are tied up with our current law suit and need the CFPB to champion our cause in this matter. To date, Nationstar and their counsel have refused to offer any reasonable explanation for their unconscionable actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money to a friend, XXXX XXXX, though Western Union on XX/XX/2020 in the amount of $ XXXXUSD. Mr. XXXX was supposed to receive the money in his bank account, located within the XXXX, within 0-5 business days. To this day, XX/XX/2020, the money has not been received. I have sent money many times in the last 6 months to the same friend and bank account, using Western Union, and have never had any problems.

I have called Western Union multiple times, and have used their online chat service and I still have not gotten a resolution. Western Union has sent me an encrypted document, which I have attached, with a transaction ID number that they claim the bank issues once the bank receives the money. 

XXXX XXXX has been to his local bank, multiple times and spent countless hours trying to find out where the money went. His bank, XXXX told him that this transaction number that WU provided me comes from a 3rd party intermediary and not from XXXX XXXX. XXXX and Mr. XXXX have also spent hours on the phone, mulitple times, with WU and keep going in circles. XXXX XXXX  says they can not track the money unless WU provides the name of the 3rd party intermediary. WU refuses to give me the name of the intermediary. 

At this time, I have no resolution and I dont know where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was never in the hospital on the date the collection compony claims, I have aske several times to show me written proof.

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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

INQUIRIES XXXX XXXX XX/XX/2017 XXXX XX/XX/2017

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 2023-05-03
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 had a car loan and the vehicle was totaled XX/XX/2020. 
The original balance was {$17000.00}, the financer wrote off/charged off {$17000.00} in 2020. However, experian is reporting that I still owe {$16000.00}. Even when all of this information is in front of them.

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 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother was scammed. She was told by someone she knew he would assist her with purchasing property in Florida. In XX/XX/2012he had her deposit 3 separate transactions from her account into his. Shortly after she informed him that she changed her mind but he claimed he already utilized the funds and would need some time to return it. He continuously asked for extensions. My mother being the nice person that she is would oblige. It's now been 8 years and more than obvious that he has no intention on returning the funds. My mother and I called the bank to find out the full account number, name and to determine whether it was a business or personal account, all information we need to provide to our lawyer. She's doesn't recall from memory. We also wanted to inform them of the crime so they can take the neccessry steps to prevent him from doing it to someone else. He's clearly a liability. The representative stated the information could not be located because it's been more than 7 years. What's puzzling is the representative couldn't even go past 5 years. Additionally, being someone who is familiar with how banks operates. I'm not quite sure this information is accurate. There should be a research department that can retrieve this information. Please see the attached receipts of the 3 transactions.

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