BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
account number XXXXXXXX XXXX XXXX XXXX XXXX out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXX and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
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:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2022-12-13
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX of XXXX, and XXXX of XXXX ( possibly XXXX in usa as I am in XXXX at the moment ) I have tried to make international transfers which were denied because of pnc trying to call a phone number that was not in service which is not linked to my bank accounts and has not ever been. 

Another transfer was attempted, then put on hold for further information needed, information was given, and I was never given a response confirming the transaction and I was contacted by my friend this week that the transaction was successful despite me not being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ALLY FINANCIAL INC.
State: MS
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:
Ally Financial has violated my rights. they say multiple times they refuse to remove the inquiry on XXXX in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I had a phone plan with XXXX  and after experiencing service interruptions due to device malfunctions I ordered an exchange, After I received my exchange. 

XXXX had emailed me a return label since the one with the exchange was missing one Dated : XX/XX/2022 Tracking Number : XXXX Return Order Number : XXXX Carrier : XXXX You can find that Return Device was delivered to XXXX  on XX/XX/2022 as it shows in delivery confirmation from XXXX. 

I contacted XXXX through customer service number and every time I get a different story device was found in our warehouse or you will need to wait 7-10 business days to get your account to XXXX. 

So, I think XXXX has sold my debt to AMSHER COLLECTIONS. 
Which I disputed with the same proof but didn't get a response from them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TMX Finance LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XXXX I filed for a Vehicle Title Loan as an XXXX XXXX Military Service Memeber and Was approved. 

After Making the payment for Severeal months, I realized that I could not make the principal go down. I asked for relief and they informed me they couldnt because I was in the military. My Vehicle was repossed in XXXX after a military Move because my wife lost her job due to our military move, and I could not longer afford such steep payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my debit card and found lots of fraud transections on my account. I called the capital one customer service phone number immediately. The capital one customer service automatic phone system said their office is closed and asked me to call back during regular business hours. I contacted them during business hours to set up a fraud claim. The customer service agent mistakenly set up two separate claims for this incident. I got the email confirmation for the claim on XX/XX/2022. Claim numbers were XXXX and XXXX. On XX/XX/2022, I got email from capital one saying that they denied my claim. I called them about the claim on XX/XX/2022, and they told me since it was chip enabled transections, capital one is unable to retrieve funds from the atm. They said they are sorry about this but they are unable to retrieve my funds back for this fraudulent activity on my account. I asked the customer service agent about their 0 fraud liability policy and he said the only thing he can do is to file a compliant. They give me a compliant number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX and XXXX XXXX XXXX XXXX have 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 an 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
accordance with the Fair Credit Reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
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:
social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX  XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 an 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 non-monetary relief
Consumer complaint received 2017-08-17
Company: EQUIFAX, 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:
equifax, XXXX and XXXX have a negative report on my credit report which is fraudulent to pg and e colected by affiliated group for {$370.00} .... not my address and my pg and e bill is up to  date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank services our mortgage. Due to various circumstances, including my wife being diagnosed with XXXX during the pandemic, her XXXX classifying her as a high-risk individual, and events involving my job, we were forced to take a mortgage forbearance. 

Flagstar did what it could to ensure we agreed to pay the forbearance amount up front. While we continually insisted that we wanted to place the amount owed at the end of our loan period with an APR of 0 %, applying to that amount as we were legally allowed to do. 

Tactics like offering to refinance our 30-year conventional with a 40-year meant an opportunity for tens of thousands of dollars of extra interest payments over the life of the loan. Flagstar representatives continually called us, demanding we frequently verify that we didnt move out or intend to sell the property. 

Once we could proceed with resuming monthly payments, Flagstar agreed to move the amount of the forbearance to the end of the loan period. We thought we could finally move on without accruing additional interest on that amount. However, things were not that simple. During the forbearance period, Flagstar demanded a payment of {$2800.00}, which we paid out of desperation. 

The transaction history file Ive included indicates the payment of {$2800.00} was applied to the mortgage principal but subsequently reversed, with Flagstar holding {$1600.00} in suspense. Our monthly mortgage payments increased, and its still unclear whether or not Flagstar is still holding {$1600.00} hostage. 

Now XXXX has reduced two of my credit lines as a reaction to Flagstar reporting the mortgage account as being more than 120 days past due. The reported balance is higher than when we initially obtained the mortgage three years ago. 

Upon looking at a breakdown of what is owed on our monthly statement ( the account is paid online where this information is not present ) Flagstar added the amount of the forbearance as a second mortgage, and it appears that they added that amount to the total owed. As of the last reported date of XXXX XXXX XXXX we have no missed payments but have paid off 0 % of our total loan amount. 

At every point, we have seen the ethical shortcomings of the people who pilot Flagstar. even something as simple as removing the PMI on the property due to its appreciation in value was ignored. I need help. My family needs help. Thank you for any you can provide.

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX,2017 I contacted transuion to despute unknown and unauthorized inquiries on my report. When contacted I spoke with a gentlemen by the name of XXXX Who assisted me with my concerns. Once I tried to explain to him I was a victim of their glitche in which inquiries were removed and moved back on to my account he referred that I hold the line for a minute. Once on hold he came back to the phone n stated that I was n't apart of that glitche and in order to remove those inquiries I had no idea about and that were removed then placed multiple time back I would have to contact each company who placed the inquirie and have them remove them.after my unsatified result I then stated I would file a complaint and I disconnected the call.

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 2019-12-01
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX and again on XX/XX/2018 ( for the first time in my life ) I visited the ER at XXXX XXXX XXXX XXXX. While there I gave my insurance information and both days I paid a {$50.00} copay ... {$100.00} total for the two visits. I was seen by a Dr. XXXX on the XXXX and on the XXXX by Dr. XXXX, ( both worked at XXXX as contract ER doctors supplied by XXXX XXXX XXXX. XXXX XXXX. ( phone XXXX ) ) Not too long after this date XXXX XXXX XXXX XXXX closed it's doors and went into Chapter XXXX bankruptcy. Nearly a year later I receive a bill from a Kings Credit Service stating that no insurance had paid and that I was being charged for treatment. I contacted KCS and got no good explanation, they said they knew nothing except that I had to pay. I don't know, but, I suspect that perhaps XXXX failed to submit my claim correctly during their bankruptcy issues. Finding this problem out I quickly contacted XXXX and was told to file a form and that they would investigate. XXXX did just that and supplied me with documentation ( see attachment ) that shows that XXXX has paid these claims as submitted by XXXX. I immediately called KCS with this information. They don't answer their phone so all I could do is leave a voice message and mail info. I felt I had done the work and it was over. But no, Kings Credit Service just days ago again sent me a bill ( each time adding substantial late payment fees ) asking how I plan to pay them. Adding more insult to injury they've now also put a pretty hard hit on my credit score. As I've shared, I have complete XXXX documentation but KCS does not seem willing to even investigate what I have given them. I've done a lot of work to resolve this but I'm now becoming concerned that this maybe some sort of a scam and that the only way to deal with KCS is to pay money to them that I DO NOT owe. I do want them investigated for possible fraud, I want closure, and I really want KCS to do right and get my credit score restored to Excellent, as BTW it has been ALL of my adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On my mobile, when logged into Citibank app, I received the promotion code of XXXX for opening a Savings account with {$50000.00} or more of new money to Citibank, to be maintained for 60 consecutive days to receive a reward of $ XXXX. 

I clicked on the offer and opened the new savings account ( ending with XXXX ). I transferred $ XXXX in to the new savings account and contacted the customer service right after opening to confirm i met all the conditions to receive promotional offer. I was informed that i met all the conditions and my promotional reward will be deposited after 60 consecutive days of account opening. 

I reached out to the customer service department again after 120 days of account opening, at that time, i was informed that i do not meet the criteria of account opening and hence do not quality for the reward. The reason for decline mentioned was I have a Citibank Account Package, and only the Access Account Package was eligible for promotion. I have opened multiple request to review that were declined ( ref : XXXX ) Note : 1 ) The offer was on mobile app and no conditions were listed, my account was opened in less than 5 minutes 2 ) I was never informed on mobile app or in a email/letter that my account does not meet the promotion criteria 3 ) when i called, Citibank customer service incorrectly said that i qualify for the promotion, on more than two occasions. 

Given that, i have kept my funds ( $ XXXX ) in Citibank since account opening ( 6+ month ), I have been a loyal customer of Citibank for more than a decade, and the conditions were not mentioned during account opening or thereafter, I request that Citibank credit me the promised promotional offer ASAP.

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 2019-04-19
Company: Checkr, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I signed up to be a XXXX XXXX today but instead of being cleared via background screening to proceed in the hiring process, inaccurate information reported by the company Checkr to XXXX XXXX Is pending per further investigation. Checkr wrongly reported that I had a criminal misdemeanor charge when in actuality the incident in question was an accident I was involved in that did not lead to a XXXX XXXX. This should have been under XXXX  violations ; not criminal. I was charged with a XXXX * MINOR* XXXX which was for XXXX  ( this has to do with maintaining proper distance between vehicles ). All simple traffic tickets in the state of ohio are considered minor misdemeanor. I did not even receive any points on my driving record. Date of accident XX/XX/2017. Disposition date is XX/XX/2017. Case number XXXX. I have screen shot the case directly from the public court records and will upload the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: MOHELA
State: GA
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 DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief