BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Self Financial Inc.
State: OK
Product: Credit 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:
I have a self XXXX credit card account I only use the account to pay bills and to buy my things at XXXX I have XXXX XXXX XXXX XXXX  years worth of statements to prove this this is my second account with them in XXXX years anyway XX/XX/XXXX I was awoken to a fraud alert which I immediately called my card company and in that process canceled that card and had another XXXX shipped to me it was XXXX online purchases to XXXX XXXX which I'm not a drug addict I don't buy things like that never have never will and all my credit card statements for XXXX XXXX XXXX XXXX years show that I can not obviously get the account for the XXXXXXXX XXXX XXXX XXXX years before that anyway I even offered to take a state blood test to prove that I don't take these items and at that time my credit card company did hold or suspend that payment I received my new card in the mail on XX/XX/XXXX the very next day the XXXX payments from the XXXX XXXX was posted to my account causing me to go negative on my credit XXXX account I immediately called the company again and they said that they verified with the company that I had made to purchase my town has had XXXX and XXXX of news reports and things on credit card skimming from XXXX and other places and I told these people that I did not make that and they should know I've been with them for 5 years and nowhere on any of my statements does it show any kind of activity like that and that I would show them proof with a blood test from the police department or anywhere they said the merchant proved that I made it by giving my information and they will not suspend this transaction while they are looking into it again I tried to call the company that it says I was billed to and in XXXX the name it brought up over XXXX phone numbers I started calling them out of the first XXXX that I called only XXXX of them were actual numbers which I left voicemails at but of course no response I even asked my financial institute self for the information that they had to get a hold of those people they would not give me that information and then they say they've sent a mail out to me for closing out the first time I have received no case numbers to check on or anything about this and no help from my institution that I've had for XXXX years I can not afford {$200.00} in fraudulent charges on my account right now I can't even pay my bills because my account is in the negative which everything that I've read says if there's a dispute they must suspend that amount until the dispute is over with anywhere from XXXX to XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Pro Collect, XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Around XX/XX/2022 I mailed TransUnion a challenge letter disputing hard inquiries on my report that I did not authorize. On XX/XX/2022, they mailed me the attached letter stating that my written permission is not required to someone to obtain my credit report. They refused to scan my files into XXXX XXXX as required by law. The inquiries were not made by me in person, nor online or on my behalf. After contacting the creditors, they stated nothing could be done on their end and to contact the bureau.

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 2023-10-06
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, XXXX XXXX, XXXX, XXXX XXXX XXXX, applied for XXXX credit card with Discover Bank. On or about XX/XX/2023, a complaint was submitted to the CFPB that Discover Bank 's denial violated the federally protected rights of XXXX XXXX as its decision was based on INACCURATE information provided by the credit reporting agencies ; namely XXXX, XXXX, and XXXX. Discover responded by not reversing their decision and stating that their decision " can not be changed '' and once again relied on INACCURATE information in the consumer credit report. Discover Bank has and continues to violate federally protected rights. Specifically, regardless of the reason, XXXX XXXX has the right to credit. Discover Bank was provided the social security number and other identifiable information which gave them access to the securities which were underwritten on the social security number of XXXX XXXX. Denying XXXX XXXX credit, is a violation of the Equal Credit Opportunity Act and Consumer Credit Act. Discover Bank is also discriminating against me and taking a prejudicial and discriminatory action against me based on inaccurate credit information, alleged previous transaction history, and/or financial status. Discover Bank is also in violation of the Securities Exchange Act as Discover Bank lists application " denials '' as " assets '' in their XXXX reports filed with the SEC and is/has securitized my personal information for their sole benefit in further violation of federal codes, laws. rules and/or statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
inquiries that was placed on my credit file was placed with out my knowledge.

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 2020-03-05
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have a Home Depot Consumer credit card through Citi Bank. A few years ago I received a phone call about the card and they asked if I wanted to be set up for autopay and I did. XX/XX/XXXX I went on my Home Depot account online to pay the balance in full before the autopay was to come out on XX/XX/XXXX. The online balance on my account was {$730.00}, so I entered by new bank account information and paid it off. The phone autopay was set up to pay on our old bank account. On XX/XX/XXXX the autopay of {$28.00} was paid. On XX/XX/XXXX the payment was reversed because they tried to deduct it from the old bank account. I received an email XXXX XXXX that my Home Depot Statement was ready to view. Thinking this was odd since I had paid it off in XXXX and had not used the card I went to my online account and there was a balance of {$140.00}. I looked back to XXXX and saw my payment of XXXX and the XXXX payment and reversal. Looking at XXXX, XXXX, XXXX, and XXXX statements we had been charged late fees, interest and processing fees from the XXXX reversal. I called Citi to find out what was going on because I had paid the balance in full online. We were told that the online balance on XX/XX/XXXX was minus the autopay of XXXX that was set to pay on XX/XX/XXXX. We explained that seemed very deceitful and asked that all of the fees and interest be reversed and we would gladly pay the XXXX that we owe. The customer service rep apologized but said there was nothing they could do. We asked to speak to her supervisor, who offered to waive one of the late fees leaving us with a balance of XXXX. We then asked to speak to executive manager. He proceeded to tell us this was normal practice. We argued that we were set up on autopay on many cards, which we paid off online with no problems at all, even another Citi Card. The only resolution we asked for was for them to back out the fees, get it off our credit report and we would pay the XXXX and they would not accommodate. They said they would escalate to their corporate office, but there was nothing they could do. They also have our current bank account information on their website since XXXX. Apparently their autopay set up by phone is completely different than autopay set up online. We communicated to them we would be in contact with our states Attorney General.

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 2023-06-07
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to initiate this disagreement under FEDERAL and STATE LAW. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or some organization utilized my personal information without my consent to apply for products, services, or money and was successful in opening several accounts. The FTC is looking into everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has RE-AGED the length of my credit history from 11 Years 3 Months to to only 4 Months. This practice has resulted a denial of credit, creditor stating specifically that it's because of the age ( 4-Months ) of credit history. I have attached evidence of my credit reports from all major credit reporting bureaus, including Equifax before they did RE-AGING of my credit history a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo says my account is frozen after I was sent {$65.00} to my Venmo account. That was my first and only transaction so far. Email received from Venmo says account is frozen due to account activity that caused an alert of some sort. I am unable to access my funds and Venmo refuses to provide me with information and instructions on how to retrieve the money that is rightfully mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid. A letter of debt satification was provided to me. I have spoken to repesenative for the company and even provided the same Letter of Debt Satifaction. It been almost 2 years since the debt has been paid and it still reporting negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Goldman Sachs Bank is a result of IDENTITY THEFT i have tried to resolve this with the company and XXXX  and no one is willing to help! I have asked both companies to provide proof and nothing has happened. No proof has been received. This account has been removed from XXXX  and XXXX  with no issues but XX/XX/XXXX keeps saying verified as accurate. I never knew anything about Goldman Sachs until I applied for a apple card ( that does belong to me ) that goes through GS BANK and they then told me i owed them some old debt which was a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX XXXX, Capitol one, XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 Sect. 602 A states i have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX from debt collector TRANSWORLD SYSTEMS INC. The letter stated that this collection agency was representing XXXX XXXX XXXX XXXX in XXXX, TN. in collecting the deliquent sum of {$3600.00} that covered six different bills I supposedly owed XXXX XXXX XXXX XXXX. I called the billing department for XXXX XXXX and a representative named XXXX told me I owed no such amount to this facility, had no bill in collections and that XXXX specifically doesn't use TRANSWORLD for any debt collection they do file against patients for unpaid bills. I recorded the entire conversation with XXXX and XXXX in the billing department. I called TRANSWORLD at the contact number on the letter of XXXX. The account number for the false debt is listed as # XXXX. After being on hold for one hour, a TRANSWORLD representative who would not identify themself immediately asked me for my account number which I gave him and he immediately asked me how I was going to pay for the amount owed to XXXX. When I told the TRANSWORLD representative that I had talked directly to the XXXX billing department and had them recorded stating not only do I not owe the amount stated on the letter but that their billing department doesn't use TRANSWORLD for collections in any way, shape or form. The TRANSWORLD representative became belligerent with me on the phone and said the information XXXX gave me was wrong and that if I didn't pay the amount listed on the letter, the debt would be reported to all three credit bureaus and ruin my credit rating. When I asked the TRANSWORLD representative if that was a threat to force me to pay a bill I don't owe, he stated it was fact and TRANSWORLD would do it. I immediately stated I would contact all three credit bureaus about this Fradulent bill plus contact my personal attorney. The TRANSWORLD representative stated he could care less what I did and either pay the bill or have my credit ruined by their company. I demanded a supervisor and the TRANSWORLD representative stated that he wasn't wasting a supervisor 's time on a debt that was owed by me. The representative immediately hung up on me when I asked for a supervisor a second time. Please assist me in stopping this collection agency from ruining my credit with a bogus medical bill that doesn't belong to me and I don't owe to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-13
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo repo my car charge fees and everything when the payment was made

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 2019-10-02
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX i worked with Flagstar bank and their closing attorney XXXX XXXX XXXX. part of my closing costs were to cover my school taxes in XXXX with a total of XXXX. I am just discovering now they were unpaid, since my escrow is once again short, the money is still sitting in a trust fund at XXXX XXXX XXXX. My Attorney ( XXXX XXXX ) got a hold of him and he said he would get a check out to me immediately that was on XX/XX/XXXX and i still have yet to receive a check. This is unacceptable as he has had my money for over two years. I contacted the bank since it is their attorney and they said there is nothing they can do. I also would like to add that none of my school taxes have been paid on time for the past two years causing my escrow to become substantially unbalanced and making my monthly payments fluctuate by several hundreds of dollars. In XXXX the XXXX tax was never paid, resulting in a relevey of XXXX the following year ( a fee of XXXX for being late ) in XXXX my school taxes were XXXX and those too were not paid on time resulting in a relevey in XXXX of XXXX ( a fee of XXXX for being late ). I also contacted my bank about getting this straightened out and they said if they dont receive a bill they dont pay it. this is not a very good practice, taxes are paid yearly, and as my mortgage lender they need to assume the responsibility of paying my taxes on time to avoid the fees. I am filing a complaint to get better results with this issue and to find out who will be paying the late fees since this shouldnt be my problem because it wasnt my mistake.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-05
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We have been having trouble making payments online via the portal. We have been calling repeatedly and emailing for weeks, but we can not get anyone to take our payment. We continue to be redirected to our loan servicing representative, who will not return our calls or email requests to service our loan. We have been told that we do not qualify for forbearance because it has expired, yet we have been trying to get loan servicing help to get it done for all of those months. 

Our insurance was also canceled stating non-payment, yet we received a letter from the mortgage company stating that they were never billed by our insurance company. The escrow account is fully funded, so this was not our error. 

We can not get any of our issues resolved due to our roadblock of a servicing agent, and the process that forces us to use only her with no online resources or alternative contact person. We are just trying to get a new presentative who will actually help us and service the loan. 

This is a VA account and we are surprised at the treatment of a veteran. It feels like an attempt to take our home.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.

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