BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called XXXX. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called XXXX and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from XXXX and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.

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 2022-02-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I can not get a current statement from my lender. Four a while they would not give me a statement at all. I second day air my payment. So I have proof that they received them. So they started moving the processing date up. They always have the payment on the first or second of the month. But when you receive the statment it says I owe two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, ONLINE

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 2021-04-03
Company: EQUIFAX, INC.
State: MD
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 submitted a dispute to equifax.com about unauthorized credit inquires listed on my equifax.com credit file. They never investigated them. I submitted documentation and they never investigated them. I have a right under the fair credit act to have them investigated by each company. I sent the letters for them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Under the Fair Credit Act, they should not be reported misused information to my Credit Report.This Account is Fruadulet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-12-18
Company: CREDIT ACCEPTANCE CORPORATION
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:
Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted credit acceptance many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my 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 2023-01-04
Company: CITIBANK, N.A.
State: IN
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:
Regarding the account, ending in XXXX. On XX/XX/2022, I wrote Citi about the referenced account, ( a copy is attached ). I asked them to put into dispute two charges from XXXX XXXX totaling {$540.00}. I did not receive a reply and Citi continues to bill me. On XX/XX/2022, at XXXX XXXX  I called Citi. I spoke with Customer Service. The lady I spoke with assured me credit for the two charges, interest, and late charges would be credited within 2 or 3 business days. I wrote Citi again on XX/XX/2022 ( copy attached ). In the XX/XX/XXXX letter I pointed out the time limits in the Fair Credit Billing Act, and they had exceeded those time limits. Again I received no response to my letters other than collection efforts, which I continue to receive. XXXX XXXX  XX/XX/2022, received as collection call from Citi. I read to her my letter of XX/XX/2022,. She referred me to the Fraud department, they referred me to Customer Service. Customer Service referred me to Billing Disputes I spoke with XXXX. XXXX in Billing Disputes said the problem was I had disputed the charges in a letter. The correct way to dispute charges was by phone. On XX/XX/2022, I received a collection call from Citi. They transferred me to the dispute department. The Gentleman I spoke with said the dispute was closed because they had not received the requested documentation. I assured him I'd never gotten a request for further documentation. He said he would reopen the dispute. I told him I had never received an acknowledgment of the dispute. At XXXX XXXX  on XX/XX/2022. I receive a collection call from Citi stating the account was 2 months past due. I talked to collections and I told them I had disputed the charges. Collections transferred me to Citi 's Fraud Department. Fraud attempted to transfer me to the Billing Disputes department. Fraud Department came back on the phone and said Billing disputes were closed today. XX/XX/2022, at XXXX XXXX  I phoned Citi. I automatically was transferred to collections. Collections transferred me to Security where I spoke with XXXX. XXXX XXXX XXXX said she would check with billing disputes. She transferred me to XXXX in billing disputes. XXXX in billing disputes said she is going to resubmit to get the charges under investigation. I continue to receive collection efforts and past due notices I continue to receive collection calls, emails, and text messages from Citi attempting to collect. To the best of my knowledge, these items have not been put into dispute and investigated by Citi. 

I've scanned most correspondence, but I'm unable to scan and submit the frequent collection o text messages I've received from Citi.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-20
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I made a payment of {$7100.00} the last week of XX/XX/XXXX, the company posted a payment in the amount of {$5200.00} on XX/XX/XXXX, they then processed {$1900.00} on XX/XX/XXXX, this is a lease vehicle I paid the balance down to zero. They are reporting me with a balance, I've contacted my leasing company which is ( Chase ) asking them to report me properly which should show paid to zero, lease open the lease ends XXXX of XXXX, however they are reporting me with a balance which I no longer have a balance, can someone please assist? what they are telling me is that they are holding my money and applying payments monthly, that's wrong. My money isn't accruing any interest they are aware those funds were to pay the balance of my lease off. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im submitting you this XXXX complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-24
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
XXXX XXXX this account is over seven years old and Synchrony bank still reports this account in my credit report. This account is too old please remove it from 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 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the Title Co ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX : XXXX Scammers account info : Routing : XXXX Account # XXXX Capital One is stating that they have not received an Hold Harmless Agreement from my Bank ( XXXX ) in order to start working on this matter. I will attach the signed Hold Harmless Agreement to this form that XXXX has sent to Capital One Several times. 

Reference complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC.1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -, XXXX XXXX XXXX -- --. 
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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. Of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive provided this company through certified mail and return receipt, a written cease and desist notice, and a conditional acceptance if they can produce a validation of claim. This company stated they received information from the creditor, therefore they are a third party stating I owe them something. 
Return receipt was signed for on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
A bunch of purchases out of state occurred Ive sent pictures with all dates and times of the events down below and my card was being charged and even went over balance and now i have to pay back and ive reported it to capital one, it is a capital one XXXX XXXX credit card for students

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The Federal Loan website myfedloan.org has been down and isn't accessible. I can't access my tax information, because their website is unavailable, their app is also offline with a " System outage '' that was reported by MyFedLoan on XX/XX/XXXX as " technical difficulties '' that is STILL out on XX/XX/XXXX. The app error says " System outage : The PHEAA server is currently undergoing maintenance. We appreciate your patience. '' For SEVEN DAYS? This is critical information that has been out for nearly a week. Information vital to payments, taxes and other financial matters. How is it acceptable to be shutdown for this extended amount of time without any updates or ETA of availability?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is telling me I owe them {$6500.00}. This is originally from a Capital One credit card. As Ive explained umpteen times to Capital One, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CAINE & WEINER COMPANY, INC.
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: Information belongs to someone else

Complaint:
I reached out to Caine and Weiner via phone call and asked them to verify the debt belongs to me They listed and address that isnt mine and something pertaining insurance with progressive but I dont have any cars in my name. They told me to file a police report and itll be removed it, it hasnt been removed and below I have an updated copy of the filled police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: SC
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 used my credit card to pay for business services. The service that I was supposed to receive took longer than 6 months. After this time I understood that I was scammed. I contacted this bank and filed a complaint. They closed my complaint and said they couldn't investigate this case because it happened more than 6 months ago. I lost my money and feel absolutely not safe with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation