BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have called Capital One multiple times regarding crediting the interest charges for three months due to impacting by recent hurricane Irma in Florida for all three of my accounts and they only gave me one interest charge back when I requesting for three months of interest to be refunded. Also I noticed they reported my accounts to the credit reporting agencies eventhough I was supposed to be on a natural disaster relief program and I was told I wasnt supposed to be reported to the credit bureaus for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. 

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE 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 non-monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We were trying to purchase a Westie pup and transferred {$700.00} through XXXX to the following account/transaction info : Contact Method : XXXX Processed : XX/XX/2021 Payment ID : XXXX This was transferred out of my Fifth Third Bank account. I figured out it was a scam when an email came from the shipper ( XXXX ) saying I needed {$1100.00} in pet insurance ( payable by XXXX of course ). This email was very fishy and the alarm bells started ringing ( I wish they had rung earlier ). 

After I figured out it was a scam I tried to get my money back and of course through the scammer email address and they disappeared with my money and there is no recourse through XXXX. The banks have really set up a pretty bad system with this platform. Scammers are having a field day on it. I should have know better but their social engineering skills were strong and my kids were jumping up and down in front of me wanting a puppy. Now we are both disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A customer since XXXX, I received a letter from American Express, dated XXXX XXXX XXXX. The envelope stated, in bold : " IMPORTANT INFORMATION ABOUT THE THE PAYMENT OPTION YOU RECENTLY ADDED TO YOUR CARD ACCOUNT ''. I opened the envelope with concern, since I had NOT recently added any 'payment option ' to my card, and so feared someone had gained unauthorized access to my account. Moreover, I have always paid my American Express balance in full, every month. The letter stated, however, that I would pay a 19.24 % rate on 'Pay Over Time ' balances, as well as new 'Pay Over Time ' charges - this being the option AMEX falsely claimed I recently added - and that if I was not interested in this, I had to contact the number on the back of my Card by XXXX/XXXX/XXXX. I phoned the number and explained to an American Express representative that I did not ask to add any such option as they claimed. The representative disagreed and then launched into a sales pitch me on the 'benefits ' - that I could make large purchases for the holidays and then make payments over time ( at  19.24 % interest! ) This is an abusive sales tactic based on willful misrepresentation by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A new acct showed up on my credit report from XXXX XXXX, the Army Airforce Exchange service. I am not eligible for an acct from them as I am not a retired veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, XXXX XXXX XXXX, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted AAES directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from XXXX they intend filing wage garnishment against me.

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 2017-11-14
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Wells Fargo on XX/XX/XXXX. I didn't receive an immediate decision and received an e-mail on XX/XX/XXXX stating I was denied due to no bank cards open in the past 6 months. I called Wells Fargo because that made no sense because I closed my XXXX XXXX  card on XX/XX/XXXX, which I've had for quite some time and still had an open balance on. I applied for the WF CC so I could do a balance transfer. 

I called WF and asked if I were to get a denial letter also in the mail. ( Once I received the denial letter it said no open bank cards and no open bank cards in the past 6 months ). I also called XXXX  as that is who they use and confirmed my XXXX account was reflecting ( I have the paper copy now ). I explained to WF I have perfect credit ( no missed payments ) and have a long credit history ( I am XXXX ). I've previously had car notes, a mortgage, and a number of credit cards. I only have one card with a balance and that is my XXXX XXXX.My XXXX  credit score is currently reflecting as XXXX. When I had a home loan it was over 800. WF opened an executive complaint and I was given the case number and told to expect a resolution by XX/XX/XXXX. On the morning of XX/XX/XXXX I received an e-mail they needed more time to review my issue and to give them until XX/XX/XXXX. I called on XX/XX/XXXX but they couldn't do anything. On XX/XX/XXXX nothing had been resolved and I had received no communications so I called again. The man I spoke with said the person 's name handling my complaint was XXXX. I also had XXXX 's number and left a message to call me today and I have not heard anything and it's now the XXXX. 

Someone needs to seriously look into WF practices in regards to fairness in credit card applications. I have worked my whole life to maintain outstanding credit and I really don't appreciate the way I've been treated.

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 2022-03-02
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I had to go to XXXX XXXX Department - XXXX, XXXX XXXX XXXX, XXXX, FL XXXX for domestic XXXX reported to police. I have insurance and I provided my information in the hospital, I also had a bill for {$150.00} dollars in the mail for the XXXX and it was paid. Today XX/XX/XXXX I got a collection letter in my mail dated as XX/XX/XXXX for the amount of {$700.00} dollars with my name but the wrong street, no building letter and no apartment numbers from ; TSI Physical Address : Transworld Sustems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Phone # XXXX Telling me that I am in collections for the amount of {$700.00} dollars from XXXX XXXX XXXX XXXX for the XXXX XX/XX/XXXX with no prior bills, statement or any kind of communication letter, validation letter for that amount. I called and collection agency just offered me to send me a validation letter. I called the hospital multiple times and they didnt answer the phone at all. I have an excellent credit and I never skip a payment in my life. I am very organized person and responsible to let my someone else to damage my credit, and put me in collection with no prior statement or communication having in mind that the hospital collected {$150.00} dollars after Insurance for the same DOS. I provided my driver license and my Ins card. No reason for my address to be wrong in the collection letter and I can proof of need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I filed a CFPB complaint against Equifax because two months had passed since I requested an investigation, and they had not responded yet. Equifax responded to the CFPB complaint on XX/XX/XXXX, and said : " Equifax has reviewed the complaint and its records. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumers current address utilizing our normal dispute process. '' As of today ( XX/XX/XXXX ), I still have not received anything from Equifax. We 're almost at four months now since my initial request and all I get from Equifax is excuses and obfuscation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR MONTH OF XX/XX/2019. I REACHED OUT TO THIS AND THEY WERE UNABLE TO VALIDATE THE ACCOUNT. THIS ITEM IS UNVERIFABLE.

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 2019-06-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I was charged twice for my XXXX membership annual renewal. I disputed one of the duplicate charges as I only should have been charged once for my Annual Renewal. I contacted XXXX and they acknowledged that they mistakenly charged my account twice and I only should have been charged once but when one of the duplicate charges was credited back, they cancelled my XXXX membership number that was attached to my Costco Credit Card. This caused my Citi Costco Credit Card to be cancelled through no fault of my own. 

I have contacted both Citi and XXXX and they have both acknowledged that my account should be active and that the Costco Credit Card should still be open as well. Citi initially offered to attempt to re-open my account pending a Hard Credit Card Pull and I declined that authorization as my account should not have been closed in the first place. I checked my Citi account today and my Visa Costco Credit Card it is still 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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance {$0.00} ; DISCOVERBANK XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate name, addresses and accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX, equifax and XXXX  for the wrong information but no response.

Company response to consumer: Closed with explanation