BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed

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 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I see multiple CO remarks from XXXX and XXXX and there is no XXXX payment history. I'm pretty sure this is inaccurate reporting and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
my applicant was decline approval base on my location and a negative inquiry was still file offending my score.

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 2020-06-28
Company: EQUIFAX, INC.
State: NV
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:
XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

There are a lot of missing information to sustain this claim. Also the remarks are all OK and it does not show a single CO from any of the reporting bureaus. Delete this incorrect 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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX  XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}

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 2020-06-28
Company: Selene Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dates are included in the attached document. Actions or " actions '' are described therein, too. The amounts were disclosed in the previous complaint ( # XXXX ). In nutshell, I own house, that is my only home, i.e. I will be homeless  if I lose it, that lost a lot of value after 2008, so it is not nearly worth as much as the mortgage on it. The mortgage is not in my name and was not my responsibility, but my ex-wife 's, who abandoned the property and defaulted on mortgage. The previous servicer ( XXXX XXXX  ) was negotiating with me the loan modification in my name, until they sold the mortgage to Selene Finance, that promptly put me in foreclosure. They refuse to negotiate with me, and are trying to eschew the mandatory legal process. They are not notifying me, my attorney, or the mediator about their actions, and instead send their decisions to my ex-wife who does not live here, hoping that I will not receive them and respond to them. This illegal behavior MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
i called the company because i did not ask for credit from them they have an inquiry on my report with 3 credit company, when i called its a advertisement for tv 's or XXXX XXXX XXXX   cable and wanting to sell you something, there no way to speak to anybody other than a sales rep. 
im trying to have this deleted from my credit report '' s this is a complaint. HELP. 

Coaf XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan and the funds came out of rescission on the XX/XX/XXXX, the title company wired the funds to the lender on XX/XX/XXXX for the payoff but they had transferred the servicing to loan care at this time. So onXX/XX/XXXX XXXX wired the funds to Loan care. On XX/XX/XXXX I called Loan care and they could not find the wire so I called XXXX back and they again confirmed that they wired the funds to Loan care on the XX/XX/XXXX. I was told I had to get the wire confirmation from the title company to help Loan Care located my funds, which I did and they were able to " find '' them. They told me the payoff would post that night on the XX/XX/XXXX. I told them that they needed to backdate the payoff for the date that they received the wire, and not the day that they found it. They said they do not have to and wont. I asked to speak to a supervisor and he agreed that the payoff did not have to be backdated. The funds were originally received for the payoff on the XX/XX/XXXX by XXXX and sent to Loan Care on the XX/XX/XXXX. I should not have to pay interest because they couldn't find my payoff.

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 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Two charges of {$9.00} and {$49.00} that happened on Sunday XXXX, Capital One post them like if they happened on Friday XXXX and charges me fees total of {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
FRAUD EQUIFAX CREDIT BUREAU LOCKED MY CREDIT REPORT WITHOUT MY PERMISSION AND SENT NOTICE TO OTHER 2 BUREAUS XXXX OR XXXX  TO BLOCKED MY CREDIT REPORT. AFTER SENDING NOTICE TO UNLOCKED MY CREDIT REPORT FRAUD EQUIFAX CREDIT BUREAU DIDN'T UNLOCKED MY CREDIT REPORT BECAUSE THEY ARE FULLY FRAUD CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Inaccurate information on 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 2019-03-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Chase XXXX Rewards card that has been in good standing. This card has had varying balances since I opened the card. I recently made a large payment of {$3500.00}. My total credit line was {$4000.00}. That left my account with a balance of apx. {$600.00}. Almost immediately after making this payment I get a letter stating that my credit limit has been reduced to {$900.00}. This takes my utlization of this card from 15 % to 80 %. This is ridiculous. I have not had a late payment with them or any other card on my portfolio and I have recently paid off over {$9000.00} in credit card debt. All of the reasons stated in this letter are false. I have called several times to get this looked at and customer service keeps telling me to call back another day. I was inquiring with them why I would make such a large payment only to have my credit line decreased when I have never been in default. This is ridiculous and now they keep saying to call back in two days ect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was recently reviewing my bestbuy credit card statement and noticed that my balance was not decreasing at the rate it should. It turns out I have " end debt protection '' added to my account and it been hitting me with fees going back to XX/XX/XXXX. I never signed up for this and over the years I estimate they have collected more than {$3000.00} from me and THAT WOULD HAVE EASILY PAID OFF THE DEBT. But it went to this fee instead. Best Buy says that I signed up for the service ( which I deny ). I currently work for bestbuy and have been for the past 3 years. This service is explained no where. Its a scam. Best buy and Citibank refuse to give my money back because they say a service provided. ( A service I never asked for. ) But BESTBUY acts like its my fault. I never even wanted the card and never would have gotten it XXXX know it was laced with hidden fees from them and CITIBANK. I'll never promote another card again.

Service started XX/XX/XXXX Service Ended XX/XX/XXXX Bestbuy credit card member since XX/XX/XXXX 0r XX/XX/XXXX Contacted bestbuy to dispute XX/XX/XXXX They responded saying my fault too bad ... 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 2020-06-28
Company: Experian Information Solutions Inc.
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2021-05-06
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: Information belongs to someone else

Complaint:
ON XX/XX/XXXX I WROTE AND SENT A LETTER EQUIFAX, XXXX, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/18 XXXX called the work place of XXXX XXXX from XXXX. XXXX then disclosed information to a co-worker. XXXX never should have called the place of employment much less disclosed information. After this she threatened XXXX by saying " now i know were you work AND where you live! ". These are not acceptable practices by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: TX
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:
Approximately 3 weeks ago I tried using my CITI card but it got declined? I called the company and was transferred to the Fraud department. Apparently some one had hacked into my card? I went over all the pending purchases with the representative to ascertain all my charges. There was only one fraud charge at a XXXX in XXXX, TX. A few days later my electrician called and said my payment had been denied for {$3000.00} and in addition he was charged {$150.00} in fees? I called the company talked to XXXX XXXX on XX/XX/XXXX. She informed me that 3 charges had been rejected by the fraud dept? {$150.00} to a restaurant and {$27.00} to a butcher and {$3000.00} to my electrician? She was going to look into it and call back. OnXX/XX/XXXXXX/XX/XXXX I messaged CITI online spoke to XXXX who suggested I contact the fraud dept. On XX/XX/XXXX I  called the fraud dept and was transferred to a lady in XXXX who advised me the charges would be reversed in 3 to 5 days. On XX/XX/XXXX I called CITI and requested to speak to a supervisor, nobody was available and I was told some one would call me back? No one did! On XX/XX/XXXX I called the fraud dept talked to XXXX # XXXX  he advised me the charges were NOT going to be paid and I had to call customer service about the {$150.00} fee charged to my electrician? On XX/XX/XXXX I talked to XXXX a supervisor and was told it could take 45 days to pay the electrician? I reside in Texas its in the high 90s and the electrician who was installing a new unit refuses to come out till he gets paid in full as the {$3000.00} was only a half payment down. PLEASE HELP!

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 2021-11-04
Company: Experian Information Solutions 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 did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

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 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used Capital One 's VentureOne to transfer XXXX miles to XXXX XXXX XXXX on XX/XX/2020. The transfer should be instant but the website does say it might take up to 24 hours. 3 days later and the miles have not shown up in my Aeroplan account. I've called the customer service line multiple times but they do not understand and either can not or will not remedy the situation. As it stand, I am out XXXX miles currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is what the CIT Bank wire transfer form says Signed and completed forms may be securely submitted to the Document Center in Online Banking. Sign in via www.CITBank.com and click on Customer Service to access the Document Center. You may also submit by fax at ( XXXX ) XXXX. Submit forms prior to XXXX XXXX   Pacific Time ( XXXX XXXX Eastern Time ) to have the wire transfer reviewed the same day, subject to the Terms and Conditions below ( excluding federal holidays ). I submitted a form on XX/XX/XXXX around XXXX XXXX EST for the transfer to happen the next day. 

On XX/XX/XXXX around XXXX XXXX EST, CIT calls me and starts asking me the information that I had already provided in the form that was securely uploaded to their Document Center. I spoke to XXXX and XXXX XXXX from XXXX, CA. The business day was almost over, and they were calling me at the end of the day. XXXX said that their cutoff time was XXXX PST, and they had to initiate the transfer ASAP to make it the same day. I had submitted the form 24 hours ago, and they were calling me 30 mins before the cutoff time. When I told him that, he lied on 2 things 1 ) I was supposed to call CIT after sending the form ; nowhere in the form does it mention that. It explicit says For security purposes, CIT Bank will contact you to verify the information that you provided within this request. We will be using the telephone number ( s ) we already have on file. 2 ) They had called me before and I did not respond. My call history proves otherwise and I would like to challenge CIT to prove that they called earlier on XX/XX/XXXX. So, after sending the form on XX/XX/XXXX, almost 24 hours before their cut-off time, I still do not get the funds transferred on XX/XX/XXXX. It ultimately happens on XX/XX/XXXX. What is pathetic is not just their lack of process and incompetence but their lack of knowledge and denial of any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation