BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.

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 2019-05-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I found a listing on XXXX for a XXXX XXXX. I contacted the seller and was asked to pay through XXXX. I agreed after receiving an invoice to send the payment through XXXX. I sent the {$200.00} dollars and shortly after was blocked on XXXX and the phone number I was given to communicate with. That same phone number was used to send the money through XXXX along with multiple emails and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
Dear Consumer Protection Bureau, I hope you are doing great!

I found accounts that I do not recognize. It seems for me like a SPAM items. Its a fraud and I do not want to have them in my profile. Can you please investigate them? Its identity theft for sure and let me know who used my personal information? and after you check them please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XX/XX/2018 - XX/XX/2018 - XX/XX/2018 and XX/XX/2018, Capital one has made inquiry 's on my credit thats wasn't authorized by me and it's affecting my credit and making financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX, XXXX {$260.00} This is not 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 explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: PA
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:
Exprian has nort sent me a full report with score information missing few pages no score the typical run around

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 2020-06-27
Company: CITIBANK, N.A.
State: NM
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:
I have two disputes that involves the purchase of a XXXX XX/XX/XXXXticket on XX/XX/XXXX from XXXX in the amount of {$670.00}, The tournament was cancelled on XX/XX/XXXX. The second dispute was the purchase of event insurance for the XXXX XXXX Ticket at the same exact time on XXXX website in the amount of {$50.00}. The event insurance was purchased on their site through XXXX. Ive filed disputes on XX/XX/XXXX for both charges because I contacted both companies numerous times. XXXX kept putting me on hold and even cut me off one time, but they finally agreed to a refund and sent me an email stating that. XXXX automatically refunded me for 4 other tickets to the XXXX XXXX but not for the Tickets for the XX/XX/XXXX in the amount of {$670.00}. After going back and forth with XXXX and them promising me a refund both on the phone and via email, I still did not receive a refund from either XXXX or XXXX so I filed a dispute with Citicard regarding the charges on my Citi MasterCard on approximately XX/XX/XXXX. Although I provided Citi with ample proof of the XXXX XXXX being cancelled and the emails sent by both XXXX and XXXX assuring me of a refund, Citi later closed the dispute in favor of the merchant. Nevertheless after persevering to getting the matter resolved with XXXX and XXXX, they issued the money back to my account, Thinking that the ordeal was solved, I received another notice regarding the XXXX dispute for {$670.00} dated XX/XX/XXXX again stating that the dispute was resolved in the merchants favor, although a credit had already been issued by the merchant, and that the dispute for XXXX was still open and being resolved, although I received a credit from XXXX as well. It seems like my problems are not with the merchant but with Citi who refuses to honor the credits already submitted by XXXX and XXXX so they can charge me the money and get the interest and finance charges. This is the second time that Citi has claimed to do everything that could in my favor to resolve the issue only to side with the merchant and not the customer who is completely justified in having the money credited back to my account due to cancellation of these services, thereby not receiving the services, having rock solid proof in writing from the companies that I would be receiving a refund as well as apologizing for the inconvenience. This is total disregard for the customer, and, quite frankly, a case of the lowest depths of greed and misconduct on Citicards part.

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 2018-12-29
Company: Franklin Collection Service, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i wrote them on XX/XX/2018 about this inaccurate account which states that my account has been closed with 60 days late payments, haven't heard from them them concerning this negative item on my credit and i would like it resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: NC
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:
An unauthorized amount of money {$600.00} was withdrawn from my bank account. This resulted in an overdrawn account and fees for return of all my bills set up on automatic deduction. I contacted the company, was ensured I would have my money right away and never received it. The fees continue to be charged to my overdrawn account and has created a nightmare on top of leaving me no gas money to even go to work, no money for groceries and no money for food for my pets. I am extremely irate.

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 2020-06-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agencies transferring a debt I do not owe and ruining my credit. Their original client XXXX XXXX fraudulently extended a contract after the person had moved to other citty and had returned the equipment. The fees were paid automatically thru a credit card and it was stopped when the person ( my aunt ) due to severe illness was moved from XXXX XXXX to XXXX and later passed away. 

I have extensive correspondence with the collection agency and the credit bureaus but since the deb was transfer to one and another my credit is being impaired. 

I will be glad to supply all the correspondence sustained with all concerned. And like I asked the collection agencies, lets take it to a court of equity and let a judge decide. I think this is the way we settle conflicting matters. In this case I ask for your help to protect my cretit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2021 at XXXX I called TransUnion to tell them I been a victim of the inquiry issue, they gave me a hard time and would not help me with the negative inquiries reporting on my credit report. 

the inquiries were : XXXX date : XX/XX/XXXX XXXX XXXX date : XX/XX/20XXXX XXXX  XXXX date : XX/XX/2XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/202XXXX XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/202XXXX XXXX XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/20XXXX XXXX date:XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2XXXX XXXX XXXX date : XXXX XXXX XXXX date : XX/XX/2021 XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX date XXXX XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2021 Thanks for your time and 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 2018-12-29
Company: HANCOCK WHITNEY BANK
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i submitted a letter to XXXX XXXX concerning this negative item on my credit on XX/XX/2018 and XX/XX/2018 with no response to neither one of them.i would like assistance with this matter, obviously they has disregard the 30 days time allowed by law.my balance is incorrect and it should be XXXX XXXX and i'm asking them to verified it bearing my signature as well. 

usps XXXX this is the certified letter from the postal service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX paypal held my money from am XXXX  sale. Finally got the hold lifted verified my identity and then they locked me down can't send money can't withdraw can't add nothing this has been 5 days now. Also they have XXXX still being held I can not access. They just keep saying that I failed a security check. Which is XXXX. Can't get any help they continuously say wait 48 hours and I do then get told the same thing again XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently living at XXXX XXXX XXXX XXXX, louisiana and Select Portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX have seized the property and I have 20 now 14 days to get vacant the premises. I have written them to inform them that the state of Louisiana is in the midst of a pandemic and made partial payments that were returned. now that the property have been seized I will become homeless. I have been living at the residence since 2015 and have sent t hem proof of my residency. they state that since the mortgage holder has passed that I have no rights to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2017-07-31
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive lawn service from XXXX XXXX XXXX. Recently I had an unpaid bill that I was unaware of. I received a collection notice from Transworld Systems and I called XXXX to insure that my bill was paid in full. I provided a credit card and paid my open balance in full. It is now 2 weeks later and in spite of my debt being paid, I still get regular calls from Transworld Systems in spite of the fact that the bill is paid and I have repeatedly let them know that the bill is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
HSBC Bank USA has begun charging a fee when you pay your Mastercard bill, on time. 
This was written in small print to begin XX/XX/2018 without any reason given. Though only a dollar ( on my credit card bill ), it could increase without warning. 
I went to the bank, spoke with the banker and the teller. They claimed to know nothing about this. When I phoned, only robot offers given for responses. 
HSBC gives very little interest, even on a {$40000.00} savings. The Mastercard web site mentioned that the bank is responsible for the fee, as the issuer of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: HYUNDAI CAPITAL AMERICA
State: AL
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:
In XX/XX/2020, I received a credit monitoring alert that my account with Kia Motors Finance was reporting a repossession and the account was closed. However, I was making on time monthly payments, the car was not repossessed, and I never received communication from KMF that my account was closed. My payments were made directly from my bank account, so it wasnt until this time that I discovered KMF was not generating any monthly statements for my account. In XXXX and XXXX, I called KMFs customer service to determine what was happening to my account and to ensure my payments were being correctly reflected on my account. In XXXX, I filed an internal dispute about the credit reporting and was also assured that I would begin to receive monthly statements. After waiting a month, I still was not getting a monthly statement and my account was re-reported a closed/repossessed. In XXXX and XXXX, I emailed two of XXXX XXXX executives with the above information, asking for immediate clarification and correct reporting. A few days later in XXXX, I received a call from someone in the corporate office offering to help me. She was able to finally get statements reporting starting in XXXX, but I am still dealing with inaccurate credit reporting. Between XXXX and now, I will get an alert the account is reporting as repossess/closed. I will eventually get Kia to report it as open, and then the next month it will go back to reporting as closed on at least on CRA report. The most recent incident occurred with my XXXX report on XXXX XXXX. I should not have to spend hours on the phone to ensure accurate monthly reporting on 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 explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My XXXX year old mother-in-law, XXXX XXXX passed away in XXXX after a lengthy illness. In one of her purses, we found four unused {$25.00} Mastercard Gift Cards. We believe she received them as a gift either for her birthday or XXXX in XX/XX/XXXX. Today I went to " register '' them online and found they were worth nothing because there is a $ XXXX inactivity fee charged. So for each of the four {$25.00} cards, $ XXXX was deducted on each one. Since it has been a year, they are worth nothing. I think this practice is reprehensible. I've never heard of a gift card that charges $ XXXX for inactivity! On the package it says " Gift Card - The Perfect Gift use anywhere Debit Mastercards are accepted. '' Card information for each {$25.00} card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN XXXX Can something be done about this? It seems like this is a complete rip off. Thank you for any 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 monetary relief
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: PR
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:
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.

Company response to consumer: Closed with explanation